10 Best Wise Crypto Card Alternatives You Can Use in 2026

I’ll go over the Best Sensible Crypto Card Options for 2026 in this post. These cards provide excellent choices whether you’re looking for frictionless international spending, cheap fees, or increased cryptocurrency benefits.

For cryptocurrency fans hoping to maximize their digital assets, these options—which range from Bitcoin cashback to fast crypto-to-fiat conversion—offer flexibility and simplicity.

Key Point & Best Wise Crypto Card Alternatives List

Crypto Card	Key Point
Uphold Card	Offers broad crypto support and up to ~1% cashback.
CryptoPay Card	Provides easy crypto-to-fiat spending with cashback.
Paycent Card	Multi‑crypto prepaid card accepted globally.
Plutus Card	High crypto cashback (up to ~3%) for active users.
Shakepay Card	Free card with BTC rewards (Canada only).
BitPay Card	Prepaid crypto card with instant conversion.
Wirex Card	Up to ~2% crypto back with multi‑currency support.
Nexo Card	Cashback rewards plus integration with Nexo ecosystem.
Coinbase Card	Earn 1–4% back and integrate directly with Coinbase.
Binance Visa Card	Up to ~8% crypto cashback with strong global reach.

1. Uphold Card

The Uphold Card is a crypto debit card that allows for payment and conversion of card transactions into Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), and Tether (USDT), among other crypto assets. It’s possible to spend crypto at checkout or can be converted to fiat.

Cardholders can earn 1% cashback on specific transactions which makes losing money on conversion and transaction fees worth a try. The card is offered globally, and is appreciated for its high security and simple management features. For those considering Best Wise Crypto Card Alternatives, Uphold Card is appreciated for its crypto versatility.

Uphold Card Features

Feature	Description
Wide Crypto Support	Supports many cryptocurrencies and fiat currencies.
Cashback Rewards	Offers up to 1% cashback on eligible purchases.
Instant Conversion	Converts crypto to fiat instantly at checkout.
Security	Two‑factor authentication and strong safeguards.
Mobile App	Easy‑to‑use app for tracking and managing funds.

Uphold Card Pros & Cons

Pros

1. It allows for the purchase and sale of many cryptocurrencies and fiat currencies.
2. Up to ~1% cash back on select purchases.
3. Direct crypto to fiat (USD) conversions for purchases.
4. Excellent security and compliance.
5. Friendly mobile app and security structure.

Cons

1. Compared to many other options, the cash back model is on the weaker side.
2. Services offered in fewer countries.
3. Some accounts may incur trading fees that are higher than other entities that focus on trading.
4. Delays in customer service are less frequent.
5. No bonuses on customer accounts that are classified as lower level.

2. CryptoPay Card

Prepaid CryptoPay Cards support seamless conversions between crypto and fiat. Users can spend their crypto on millions of merchants across the globe and can track their balances in real time on the mobile app. CryptoPay Cards are especially popular according to the EU and UK due to regulatory compliance and accessibility.

Among the Best Wise Crypto Card Alternatives, CryptoPay Cards have the most fast conversions and best customer support. CryptoPay cards offer low-to-moderate fees and 0.5% to 1% crypto cashbacks. CryptoPay Cards support BTC, ETH, and USDT and are best used in conjunction with other cards.

CryptoPay Card Features

Feature	Description
Global Spending	Spend crypto at merchants worldwide.
Crypto Cashback	Earn 0.5–1% back in crypto on purchases.
Supported Tokens	Works with BTC, ETH, USDT and more.
EU/UK Accessibility	Widely accepted in European and UK markets.
App Management	Simple app to view balances and transactions.

CryptoPay Card Pros & Cons

Pros

1. Quick and simple crypto conversion to spend at merchants globally.
2. crypto cash back of 0.5–1% is possible.
3. Allows for many multiple currencies, including BTC, ETH, and USDT.
4. crypto is fun and easy to spend. Only one regulatory and payment activity in the EU and UK.
5. Super easy payments and top-up via the app.

Cons

1. No cash back is provided to the majority of retailers.
2. For certain transactions there are expensive fees.
3. Limited activity on low cap coins.
4. Services are provided in fewer countries.
5. The mobile version is less sophisticated than other vendors.

3. Paycent Card

The Paycent Card offers cryptocurrency payment capabilities through debit cards, supporting a multitude of coins, including Bitcoin (BTC), Ethereum (ETH), Ripple (XRP), and Litecoin (LTC). With Cross-net, Paycent cards can have cryptocurrency directly streamed onto the card for spendings.

They offer cashbacks on spendings onto the card along with spendings in cryptocurrency. This solution offers greater value along with their integrated apps that offer wallets and manage cryptocurrency. Paycent Card is a part of the best Wise Crypto card alternatives, especially for prevalent systems in transit like in the United States.

Paycent Card Features

Feature	Description
Multi‑Crypto Support	Supports BTC, ETH, XRP, LTC, etc.
Cashback	0.5–1% cashback rewards on spending.
Prepaid Wallet	Easy prepaid top‑up with multiple options.
Global Acceptance	Works wherever Visa/Mastercard are accepted.
P2P Transfers	Built‑in peer‑to‑peer transfer feature.

Paycent Card Pros & Cons

Pros

1. Multiple cryptocurrencies are accepted (BTC, ETH, XRP, LTC).
2. Purchases with 0.5–1% cashback.
3. Fast top-up features on Prepaid cards.
4. Wallet features and P2P transfers are simple.
5. Works anywhere Visa/Mastercard are accepted.

Cons

1. Mid-tier cashback percentages.
2. Some transactions incur extra charges.
3. Not suitable for large scale traders.
4. Some areas have poor coverage.
5. Support is often lacking.

4. Plutus Card

The Plutus Card is a crypto debit card available to European users. Cardholders can spend crypto like BTC and ETH. European users can take advantage of the Plutus card’s 3% crypto cashback on purchases.

This card is an excellent contender for the Best Wise Crypto Card Alternatives. European customers can use the card to make purchases pack to cash on spend anywhere from crypto to cash at minimal fees. The Plutus card focuses on encryption and customer’s peace of mind. Anyone from the general public to crypto enthusiasts can use the card at various loyalty levels across Europe.

Plutus Card Features

Feature	Description
High Rewards	Up to ~3% crypto cashback for active users.
Low Fees	Minimal fees on transactions.
European Focus	Best suited for EU and UK users.
Reward Tiers	Higher rewards through loyalty tiers.
Crypto‑Fiat Conversion	Fast conversion at point of sale.

Plutus Cards Pros & Cons

Pros

1. Excellent crypto cashback (avg. 3%).
2. Most transactions are almost fee-less.
3. Excellent for users in Europe.
4. Managing and converting in the app is seamless.
5. Reward tiers that are beneficial for consistent users.

Cons

1. Higher cash back tiers require either staking or loyalty lock–ups.
2. Support is mostly limited to the EU and the UK.
3. Limited crypto options.
4. Users might feel that there are not enough features in the app.
5. Some users might find the fee structures complicated.

5. Shakepay Card

The Shakepay card is a crypto debit card for Europeans which allows customers to pay with ethereum and bitcoin. This card’s overall fee structure is favorable towards new users because there are little to no fees involved.

Shakepay cards are recognized for a an easy to use crypto rewards system, optimized for Canadian users to spend their crypto. The Chasepay card is a strong contender for the Best Wise Crypto Card Alternatives with an emphasis on finality and minimalism in the tech giving users peace of mind.

Shakepay Card Features

Feature	Description
Bitcoin Rewards	Earn BTC on every purchase.
Beginner Friendly	Simple, intuitive interface.
No Monthly Fees	Free card with no recurring costs.
Instant Spending	Quick crypto‑to‑fiat conversion.
Canadian Support	Designed for users in Canada.

Shakepay Cards Pros & Cons

Pros

1. Free cards that give you BTC.
2. No complicated mechanisms.
3. Spend instantly and convert in Canada.
4. No significant monthly costs.
5. Simple top-ups from bank accounts or crypto wallets.

Cons

1. Used exclusively in Canada.
2. Limited to BTC and ETH.
3. Most cards offer higher rewards.
4. Unsuitable for travel.
5. Basic Features vs Bigger Platforms

6. BitPay Card

The BitPay Card is a prepaid card that works with four different cryptocurrencies – BTC, BCH, ETH, and USDC. Consumers can make instant conversions from crypto to fiat, and make purchases at over a million retailers. There is no cashback option though, but users can enjoy low monthly fees ranging from $0 to $10, as well as a solid app for balance management.

The card is mainly designed for users in the US and the UK, and also offers support for wallet integrations. It is considered to be the Best Wise Crypto Card Alternatives for its seamless crypto to fiat conversions and the ability to spend to any merchant.

BitPay Card Features

Feature	Description
Multi‑Asset Support	Accepts BTC, BCH, ETH, USDC.
Prepaid Card	Easy reload and spend model.
Global Acceptance	Works at millions of merchants worldwide.
Instant Conversion	Converts crypto to USD at checkout.
Wallet Integration	Syncs with BitPay wallet securely.

BitPay Card Pros & Cons

Pros

1. Supports four of the biggest cryptos: BTC, BCH, ETH, USDC.
2. At any point of sale, crypto can be converted to fiat money instantly.
3. Prepaid and simplistic to reload.
4. Millions of sellers participate.
5. Robust protection and wallet integration.

Cons

1. No direct cashback incentives.
2. There may be monthly fees or activation fees.
3. Some areas of the world are not covered.
4. Average app experience.
5. Not the best choice if cash back is your main goal.

7. Wirex Card

The Wirex Card is a crypto debit card that works with BTC, ETH, LTC, XRP, and a few other cryptocurrencies. The card provides users with a crypto cashback reward of 2% and also offers low fees, as well as added multi-currency account management.

Wirex allows users to convert their crypto to fiat in real-time, and also offers a prepaid card, low fees, and seamless support for the entire region of the EU, UK, and APAC.

Wirex Card is also considered as one of the Best Wise Crypto Card Alternatives for the impressive design, safety, and other features offered. The card allows users to make purchases in crypto and fiat currencies and is therefore ideal for users who travel frequently.

Wirex Card Features

Feature	Description
Crypto Cashback	Up to ~2% back in crypto per purchase.
Multi‑Currency Wallet	Supports crypto + multiple fiat accounts.
Global Usage	Accepts spending via Visa/Mastercard.
Low Fees	Competitive fee structure on many features.
App Tools	Robust app for tracking and managing assets.

Wirex Card Pros & Cons

Pros

1. Approximately $2 worth of crypto back on purchases.
2. Permission for crypto and money in fiat to be in multiple currencies.
3. Overall, less money spent due to low fees.
4. Visa or Mastercard is accepted universally.
5. Good digital tools for management.

Cons

1. To reach higher cashback levels there may be a need for staking.
2. There are limitations to the supported tokens.
3. There are some restrictions based on geography.
4. For some, the app may seem complicated.
5. Some levels have cashback caps.

8. Nexo Card

Accepted by Nexo are BTC, ETH, and NEXO token users who can earn even 2% cash back in crypto. Nexo also lets you convert crypto assets to fiat in-flight, has low transaction costs, and has an app storing balance/transaction tracking.

Nexo has global reach and users are able to spend their crypto in any Visa merchant store. For users needing large cash back, quick conversion, and instant transaction, Nexo is one of the Nexo crypto card competition, and also is cashable from Nexo’s lending/exchange ecosystem, making it even more drawn to crypto users who want to spend their directly crypto assets.

Nexo Card Features

Feature	Description
Crypto Rewards	Up to ~2% cashback in crypto.
Instant Conversion	Converts crypto to fiat in real time.
Nexo Ecosystem	Linked with lending and exchange services.
Low Fees	Transparent and competitive pricing.
Mobile Management	Manage spending through Nexo app.

Nexo Card Pros & Cons

Pros

1. Up to 2% in crypto rewards.
2. Convert at checkout instantly.
3. Backed by a reliable exchange and lending ecosystem.
4. Clear pricing and low fees.
5. Available worldwide (certain regions).

Cons

• You need a Nexo token to earn rewards.
• You may be required to do KYC for some features to be unlocked.
• You might not be able to get as much cash back as other cards.
• You may be able to find some non-crypto usage features lacking.
• Some countries might not have cards available yet.

9. Coinbase Card

Coinbase cards are also one of the most versatile debit cards in the crypto domain, accepting major coins like BTC, ETH, LTC, and fees are also low. With the card, he can immediately spend crypto on over 10 million online and brick and mortar stores, and earn crypto rewards of 1-4% depending on the transactions. Thier app has to-do sheets, and he can choose to receive alerts, and the peace of mind of double authentication.

Moreover, users find it super convenient to spend coins. Coinbase cards is also one of the many cards powered by Wise. As cards using Wise’s instant chat funds, Coinbase cards users can expect instant crypto transactions. Coinbase is probably one of the best apps to use on the crypto domain and even off the crypto domain.

Coinbase Card Features

Feature	Description
Broad Crypto Support	Works with many major tokens.
Crypto Rewards	Earn 1–4% back in crypto.
Visa Network	Accepted globally via Visa.
Coinbase Integration	Syncs with Coinbase account/wallet.
Security	High security and compliance standards.

Coinbase Card Pros & Cons

Pros

1. Coinbase card supports a variety of significant cryptocurrencies.
2. Users earn crypto rewards of between 1 to 4 percent.
3. Coinbase card can be synced with your Coinbase account.
4. Users can count on strong security and a trusted reputation.
5. Users can spend with the card in any country that Visa supports.

Cons

1. Users will have to pay moderate fees for card transactions.
2. Users may have varying rewards because of specific asset or promotional differences.
3. Users will pay more than the average for high-volume trading.
4. Users may experience limited availability for trading in certain regions.
5. New users may find the app complex and overwhelming.

10. Binance Visa Card

The Binance Visa Card also has up to 8% crypto cash back, one of the highest on the list of Best Wise Crypto Card Alternatives. The card supports BTC, BNB, ETH, and stablecoins, and has the ability to to convert crypto to fiat at all times, meaning you can spend anywhere globally, anytime.

The card has low fees, and you can manage the card and spend using your phone via an app, which has two-factor authentication for security. The card is offered to multiple countries, which is great for crypto enthusiasts who travel. The Binance Visa Card is great for the average user to cash back crypto spending rewards while still maintaining crypto portfolio control.

Binance Visa Card Features

Feature	Description
High Cashback	Up to ~8% back in crypto rewards.
Multi‑Asset Support	Supports BTC, BNB, ETH & stablecoins.
Global Acceptance	Works wherever Visa is accepted.
Low Fees	Minimal fees on many transactions.
Comprehensive App	Binance app for tracking rewards & activity.

Binance Visa Card Pros & Cons

Pros

1. Users can expect crypto cash back of about 8 percent making it one of the highest.
2. Users can spend BTC, BNB, ETH, and stable coins.
3. Users will pay low fees.
4. Users can spend worldwide wherever Visa is accepted.
5. Users can count on security and a feature-rich mobile app.

Cons

1. Users may get higher rewards if they hold on to BNB.
2. Users in certain countries may not have access.
3. New users may find the Binance platform difficult to navigate.
4. Users may experience less frequent promotional changes.
5. Users may have to wait for their accounts to be verified.

Comparison Table

Card	Supported Cryptos	Cashback / Rewards	Fees	Global Acceptance	Best For
Uphold Card	BTC, ETH, LTC, USDT & more	Up to ~1%	Low–Moderate	Wide	Users wanting broad crypto support
CryptoPay Card	BTC, ETH, USDT	~0.5–1%	Moderate	Wide (EU/UK focus)	Simple crypto spending
Paycent Card	BTC, ETH, XRP, LTC	~0.5–1%	Low–Moderate	Global	Everyday crypto spending
Plutus Card	BTC, ETH	Up to ~3%	Low	EU/UK	Cashback‑focused users
Shakepay Card	BTC, ETH	BTC rewards	Free	Canada only	Beginners / Canada users
BitPay Card	BTC, BCH, ETH, USDC	None	Activation / Monthly	Wide	Easy prepaid crypto spending
Wirex Card	BTC, ETH, LTC, XRP	Up to ~2%	Low	Global	Crypto cashbacks & multi‑wallet
Nexo Card	BTC, ETH, NEXO	Up to ~2%	Low	Global	Rewards & ecosystem users
Coinbase Card	Many major tokens	~1–4%	Moderate	Global	Coinbase ecosystem users
Binance Visa Card	BTC, BNB, ETH, stablecoins	Up to ~8%	Low	Global	High rewards & active traders

Conclusion

To sum up, the Best Wise Crypto Card Alternatives provide a variety of choices for cryptocurrency users looking for incentives, cheap costs, and easy spending.

Cryptocurrency is more useful for daily use thanks to cards like Uphold, Wirex, Nexo, and Binance Visa, which offer flexibility and ease. Your selected features will determine which card is best for you, but these options guarantee a safe and profitable cryptocurrency experience.

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