I’ll go over the top Gate.io card substitutes for 2026 in this post. These alternatives can be useful if you’re searching for cryptocurrency cards with superior rewards, worldwide usage, and flexible spending possibilities.
Options like Nexo, Wirex, BitPay, Revolut (Crypto), and Monolith offer dependable solutions for regular cryptocurrency spending, from cashback benefits to multi-currency support.
What is Gate.io Card Alternatives?
Similar to conventional debit cards, Gate.io Card Alternatives are bitcoin debit or prepaid cards that let customers spend their digital assets easily without having to manually sell their cryptocurrency.
These substitutes, which include Nexo, Wirex, BitPay, and Revolut (Crypto), include features including real-time crypto-to-fiat conversion, multi-currency compatibility, worldwide merchant acceptance, and crypto cashback.
Compared to the basic Gate.io Card, they are perfect for users who desire additional rewards, accessibility, and convenience because they offer improved security, flexible spending, and integrated wallet management.
Benefits Of Gate.io Card Alternatives
Rewards & Cashback: Alternatives to Gate.io Card like Nexo, Plutus, and Shakepay even provide crypto cashback and reward programs on everyday spending which are even more attractive.
Use Anywhere: Wirex, Revolut (Crypto), and CryptoPay are cards which can be used anywhere that Visa/Mastercard is accepted and will make spending overseas more convenient.
Hold Multiple Currencies: A number of cards provide the ability to hold and spend various fiat and crypto currencies to make spending and holding less of a hassle.
Spend with Crypto Conversion: Cards which allow spending with crypto at the pos and automated conversion will allow consumers to spend without the hassle of manual selling of coins.
Security: A number of cards provide a firm level of security including 2FA, biometric login, and card instant freeze.
In-built Wallets: Many of the cards wallet and portfolio tracking management integrated to make it management in one location.
Fee Structures: Some cards offer even lower fees and fees more competitive than some traditional cards especially when it comes to cross border transactions and crypto conversion.
Cutting Edge and DeFi features: Monolith is one of several options that are non-custodial and provide access to DeFi and control over the user’s assets.
Load & Spending Options: Depending on the card issuer, users may use crypto, fiat, or bank transfer to load the card.
Some Options are Very Simple: Simple and user-friendly options are available for beginners like BitPay and CryptoPay.
Key Point & Best Gate.io Card Alternatives List
| Crypto Card | Key Points |
|---|---|
| Nexo Card | Dual debit/credit mode, earn crypto rewards, no monthly fees, instant crypto-to-fiat conversion |
| Wirex Card | Multi-currency support, crypto cashback, global acceptance, in-app exchange |
| BitPay Card | Direct crypto spending, supports major cryptocurrencies, simple app control, US-focused availability |
| Revolut Card (Crypto) | Integrated crypto trading, instant spending, strong security tools, multi-currency accounts |
| Monolith Card | Non-custodial wallet link, DeFi friendly, Ethereum-based, user-controlled funds |
| Uphold Card | Spend crypto, fiat & metals, real-time conversion, wide asset support |
| SpectroCoin Card | Crypto-to-fiat debit card, IBAN support, exchange integration, global usability |
| Shakepay Card | Bitcoin cashback rewards, fee-free crypto purchases, Canada-focused card |
| Plutus Card | High crypto cashback, DeFi rewards system, staking benefits, EEA availability |
| CryptoPay Card | Easy crypto payments, multiple crypto support, low fees, fast account setup |
1. Nexo Card
The Nexo Card is a flexible option, allowing spending of crypto assets with real-time conversions, so there’s no need to sell prior to transactions. Nexo cards also provide spendable Nexo coins, with the ability to earn cashback of up to 2%.
Other Nexo card benefits include added wallets, flexible payment options, and manageable crypto asset access through Nexo’s exchange.
Security while using a Nexo card includes 2-factor authentication and custodial asset insurance. As one of the Best Gate.io Card Alternatives-Nexo Card provides strong spending protections and gives customers numerous options to sell and spend crypto assets.
Nexo Card Features , Pros & Cons
Features
- Spend crypto without liquidating it.
- Conversion of crypto-to-fiat in real-time.
- Cashback to a maximum of 2% is earned.
- A customizable debt pay-off schedule.
- Wallet and crypto exchange service all in one.
Pros
- Exceptional rewards structure.
- Zero fees on a monthly basis.
- Comprehensive insurance and safety protocols.
- A variety of cryptocurrencies to choose from.
- User-friendly app.
Cons
- There are restrictions on region availability.
- The reward system is unbalanced for NEXO token holders.
- There is a maximum limit on cashback.
- Full identity verification is necessary.
- The trading features are basic.
2. Wirex Card
The Wirex Card enables customers to spend and use crypto anywhere with its multi-currency card that supports digital assets and fiat. Wirex Card is also recognized as one of Best Gate.io Card Alternatives-Wirex Card. Users also get 2% crypto cashback on select transactions and can exchange currencies through the app.
Users can keep multiple currencies on one app and can convert and spend whenever based on the market. Users can also connect Wirex to their bank accounts for IBAN transfers and direct deposits. With security features like card freeze and biometric login, the Wirex Card is perfect for people who want to spend freely without having to deal with complicated crypto wallets.
Wirex Card Features , Pros & Cons
Features
- Support for multiple currencies (cryptos and fiat).
- Earn cryptocurrency cashback of up to 2%.
- Exchange service in the app.
- Spend globally.
- Support for IBAN.
Pros
- Best in class flexibility with currencies.
- Exchange rates updated in real time.
- Cashback on purchases.
- The app is very intuitive and easy to use.
- Available across the globe.
Cons
- There are some fees on exchange.
- There are different reward tiers based on your region.
- There is a lack of spending at a high limit.
- Occasionally accounts are put on hold.
- It may take time for the support team to respond.
3. BitPay Card
BitPay Card lets cardholders turn their cryptocurrency into USD to spend, much like a regular prepaid debit card. Considered a Best Gate.io Card Alternatives BitPay Card. It is compatible with most cryptocurrencies like Ethereum and Bitcoin, and meshes with BitPay Wallet app.
Cardholders have instant transactions with locked conversion rates to avoid fluctuations. Users can load their cars with either fiat or crypto. Users can monitor their spend and their card can be used anywhere regular debit cards are accepted, making the BitPay card a reliable choice when transitioning to digital and traditional finances.
BitPay Card Features , Pros & Cons
Features
- A crypto debit card with a prepaid feature.
- Conversion at the moment of spending.
- Major cryptocurrencies are supported.
- BitPay Wallet is included.
- It is geared toward US customers.
Pros
- It’s very straightforward.
- There are a lot of places that take it as payment.
- Locking of real-time conversion
- The strong sense of security
- Structure fee clears
Cons
- Global support is limited
- No bigger rewards
- Primary USD only
- Possible reload fees
- No advanced tools for portfolios
4. Revolut Card (Crypto)
The Revolut Card (Crypto) integrates conventional banking services with cryptocurrency options allowing users to purchase, store, and spend digital currencies straight from their banking app. It is recognized as one of the Best Gate.io Card Alternatives Revolut Card (Crypto) since users can transact in multiple cryptocurrencies and the app converts to the local currency at the point of transaction.
With a borderless banking option, Revolut is ideal for individuals traveling and spending in different fiat currencies. The card also has budget limits, price notifications, and safety features tailored to users who want to consolidate their finances, investments, and crypto expenditure.
Revolut Card (Crypto) Features , Pros & Cons
Features
- Buying crypto and spending it
- Accounts in multiple currencies
- Auto conversion at checkout
- Price tracking in real-time
- Tools for budgeting and expenses
Pros
- All-in-one finance platform
- Excellent for travel
- Strong security features
- Conversions are instant
- Easy to create budget
Cons
- There are some restrictions on crypto withdrawal
- There are fees on weekends (fees apply)
- Restrictions on crypto ownership
- country restrictions
- Fewer rewards
5. Monolith Card
A Monolith Card is a type of debit card that is based on Ethereum’s cryptocurrency. Users are provided with a non-custodial wallet which gives them complete management of their private keys and assets.
It was ranked as one of the Best Gate.io Card Alternatives Monolith Card because customers are now able to spend Ethereum based tokens as the card allows on-chain conversions.
As a non-custodial card, customers are able to keep their funds and. use the card to make everyday purchases. The Monolith Card is straightforward and allows customers to keep their funds within the card. It is specially designed for users who appreciate control over their assets and also appreciate the card’s utility.
Monolith Card Features , Pros & Cons
Features
- Wallet that is non-custodial
- Spend token on the Ethereum network
- Conversion on-chain
- Integrations with DeFi
- Keys controlled by the user
Pros
- High control over assets
- Excellent compatibility with DeFi
- Fees that are clear and not complex
- Wallet structure that is secure
- Best for users advanced
Cons
- Only ecosystem of ETH
- More complex configuration
- Fewer features that are fiat
- More limited acceptance
- Less cash-back
6. Uphold Card
With Uphold Card you can spend your crypto, fiat money and even precious metals. This makes it one of the most flexible spendings applications. It has been recommended as one of the Best Gate.io Card Alternatives Uphold Card. It enables instant asset conversion when maintaining a single Uphold account.
Users automatically gain access to the complete Uphold ecosystem which encompasses the instant buying, selling, and transferring of assets. Customers of Uphold Card don’t have to worry about obsucre conversion costs and can take advantage of various security features such as biometric access and multi-factor authentication. Because of the strong security standards and the flexible options the card is best suited to customers who require conversion and spend defacto.
Uphold Card Features , Pros & Cons
Features
- Spend crypto, fiat, and metals
- Conversion is instant
- Support for a wide range of assets
- Unified account management
- Pricing in real-time
Pros
- Spend a wide range of assets
- No hidden fees* Seamless transfers
- Reliable safety
- Strong international presence
Cons
- Conversion fees
- Less generous rewards
- Learning curve for the app
- Regional fee differences
- Lack of card benefits
7. SpectroCoin Card
The SpectroCoin Card is a cryptocurrency debit card that integrates with your SpectroCoin wallet. Its functionality allows you to convert and spend your cryptocurrency to make purchases. The card is noted as being Best Gate.io Card Alternatives-SpectroCoin Card. With the card you can spend a variety of cryptocurrencies, use it to make purchases at a low cost, and get an IBAN bank account if you’re in Europe.
You can add money as crypto or fiat, and the cash withdrawal function works at any ATM. You can also manage your cash and make purchases with the SpectroCoin app. The SpectroCoin exchange integration makes it easy to manage your assets. The card is an excellent option for users to incorporate crypto and everyday purchases with 24/7 customer support.
SpectroCoin Card Features , Pros & Cons
Features
- Crypto to fiat debit card
- Support for IBAN bank
- Integrated exchange
- Withdrawals at ATMs
- Wallet for multiple assets
Pros
- Bank and crypto combined
- Usability in Europe is great
- Methods to load are easy
- Flexibility with currency is good
- Wallet functions are solid
Cons
- Fees for exchange and ATMs
- Rewards are limited
- Focus on regions
- KYC is a must
- Support can be delayed
8. Shakepay Card
The Shakepay Card is a crypto debit card that is Canada-based and offers Bitcoin cashback for users on daily transactions. The card is among the Best Gate.io Card Alternatives-Shakepay Card where users can spend Canadian dollars directly loaded from their Shakepay account and earn Bitcoin rewards of up to 5% at certain locations.
The card’s reward system is designed to attract users that appreciate a simplistic card experience but also want to earn meaningful incentives in crypto. Besides the card, Shakepay enables users to buy and sell Bitcoin and Ethereum without fees. The card is mostly designed for Canadians, but the fast sign-up process, impressive security, and rapid-growth cashback system also appeals to international customers.
Shakepay Card Features , Pros & Cons
Features
- Cash back on Bitcoin
- Crypto purchase for free
- Focused on Canada
- Set up is simple
- Notifications for spending daily
Pros
- Rewards in Bitcoin is high
- Good user experience
- No fees on crypto for purchases
- Spending is instant
- Security is good
Cons
- Only in Canada
- Limited crypto
- Less features
- No cash rewards
- Fees for ATMs may apply
9. Plutus Card
The Plutus Card is a blend of high cashback rewards, DeFi-style earning mechanisms, and crypto spending. It is one of the Best Gate.io Card Alternatives-Plutus Card as it offers up to 8% crypto cashback and more benefits for staking PLU tokens.
Customers can travel and crypto spend with added perks as they can link various crypto wallets, convert assets on the go, and enjoy partner discounts. The added savings and yield earning features in the Plutus app make this more than just a card. The European availability and strong security features make this ideal for users who need an all in one integrated Fintech solution with high rewards.
Plutus Card Features , Pros & Cons
Features
- Cash back in crypto is 8%
- Rewards in DeFi
- Multiple wallets can be linked
- Deals with partners and travel
- Available in Europe
Pros
- Excellent cash back
- Good with DeFi
- Nice rewards with their partners
- Easy to spend
- Flexible wallet link
Cons
- PLU staking needed for rewards
- Card tiers have fees
- Not yet operating globally
- Reward terms are more confusing
- Support for customers is limited
10. CryptoPay Card
Designed for simple global spending across multiple cryptocurrencies, the CryptoPay Card allows users to make payments using various digital currencies. The card is known for having one of the Best Gate.io Card Alternatives-CryptoPay Card because it offers affordable fees and quick integrations to convert payments to fiat at checkout. The CryptoPay platform also has analytics for spending, instant transfers, and wallet services.
Cardholders can use the card to make purchases at millions of global merchants, and can manage balances and make crypto or fiat tops. The card provides added security with two-factor authentication, as well as fraud monitoring. The card offers great features for both new and advanced users looking to make simple crypto-to-fiat transactions.
CryptoPay Card Features , Pros & Cons
Features
- Support for multiple cryptocurrencies
- Easy to set up
- Keeps competitive pricing
- Spend in real-time
- Merchants all over the world
Pros
- Ideal for first-time crypto card users
- Low pricing
- Quick card issuance
- App is easy to use
- High reliability
Cons
- Rewards are less than other cards
- Basic features
- Low cash back percentage
- Service is limited to select countries
- Not all the benefits are included
Conclusion
Selecting the Best Gate.Card alternatives are based on your geography, reward preferences, and spending patterns. While Wirex and Revolut (Crypto) offer robust multi-currency and worldwide use, cards like Nexo and Plutus stand out for their large cryptocurrency payback and sophisticated incentive schemes.
BitPay and CryptoPay offer simple crypto-to-fiat transactions for consumers who appreciate dependability and simplicity. In the meantime, Uphold supports a variety of assets outside of cryptocurrency, and Monolith appeals to DeFi-focused consumers looking for non-custodial control. All things considered, these substitutes offer greater accessibility, flexibility, and rewards, making them potent Gate.io Card substitutes in 2026.
FAQ
What are the best alternatives to the Gate.io Card?
The best alternatives include Nexo Card, Wirex Card, BitPay Card, Revolut Card (Crypto), Monolith Card, Uphold Card, SpectroCoin Card, Shakepay Card, Plutus Card, and CryptoPay Card—each offering unique features like cashback rewards, multi-currency support, and flexible crypto spending.
Which crypto card offers the highest rewards?
Cards like Plutus Card and Nexo Card often provide higher crypto cashback rewards and additional perks compared to many traditional crypto debit cards.
Are these crypto cards widely accepted?
Most alternatives, such as Wirex, BitPay, and Revolut Cards, use major payment networks (Visa/Mastercard), making them accepted globally wherever traditional debit cards are supported.
Can I use these cards internationally?
Yes. Cards like Revolut (Crypto), Wirex, and CryptoPay Card support multi-currency spending and are suitable for international use with low conversion fees.
