In 2026, with Monolith Cards becoming harder to obtain, crypto users are searching for new options to facilitate digital transactions. Options that are Monolith Card Alternatives help users to convert crypto to fiat, earn rewards, and spend at almost any merchant.
There are also high-reward cards such as the Crypto.com Card and the Binance Card, along with self-custody cards such as MetaMask and Solflare. These options provide flexibility, security, and convenience while meeting the needs of most crypto holders.
What to Look for in a Monolith Card Alternative?
Security and Regulation Compliance
Always remember to check the level of security the card provider has. Make sure the provider has a secure KYC, 2FA, and custodianship.
Crypto Support
The card provider should support a variety of cryptocurrencies, popular tokens, stablecoins, and preferably some DeFi products for swaps and integrated transactional funnels.
Fees and Transaction Limits
Make sure to check the card’s issue fee, monthly fee, ATM fee, cross-border fee, and spend limits to avoid any surprise costs when using the card.
Rewards, Cashback, or Staking Options
See if the card provides any program that offers cash back, reward tokens, or offers staked rewards to create an income stream while transacting.
Ease of Use
Look for providers that offer a seamless experience with the cash card and crypto wallet, and that have excellent customer service and a simple interface.
Key Point
| Card / Alternative | Key Benefit (2026) |
|---|---|
| Crypto.com Visa Card | Up to ~8% cashback + perks like subscriptions, global acceptance |
| Binance Card | No annual fee + up to 8% cashback based on BNB holdings |
| Coinbase Visa Debit Card | Zero annual fee + crypto rewards (1–4%) and simple app integration |
| Nexo Card | Spend without selling crypto using collateral + up to ~2% cashback |
| KAST Card | Multi‑chain support + high staking/cashback rewards options |
| Cypher Card | Self‑custody until conversion + physical & virtual cards |
| Gnosis Pay Debit Card | Zero operational fees with cashback rewards |
| MetaMask Card | Direct wallet spending + no annual fee |
| UPay Debit Card | Zero foreign fees + Apple/Google Pay + ATM withdrawals |
| Solflare / RedotPay | Strong global acceptance + simple spend options |
1. Monolith Card Alternative – Crypto.com Visa Card
One of the most popular crypto debit cards in 2026 is the Crypto.com Visa Card. It is a prepaid/debit card that operates through the Visa network. It allows users to transact in a number of different cryptocurrencies, such as Bitcoin (BTC), Ether (ETH), Crypto.com’s own CRO token, various stablecoins, and many different altcoins.
It also has point of sale auto-conversion for other cryptocurrencies. As a Monolith Card alternative, they typically do not charge annual fees; however, users have to stake CRO tokens to access higher tiers and receive more rewards (cashback up to 5-8% in CRO based on the tier) and receive airline lounge access and streaming subscriptions.
Users can spend EUR wherever Visa is accepted, and even though fees based on the cardholder’s tier and country do apply, the card has a great spending limit and rewards.
Crypto.com Visa Card Features
- Type: Prepaid / Debit Card
- Network: Visa
- Fees: No annual fees for lower tiers; higher tiers require CRO staking
- Cryptocurrencies Supported: Bitcoin, Ethereum, CRO, stablecoins, and over 20 other crypto currencies
Crypto.com Visa Card Pros & Cons
✅ Pros
- High rewards of up to ~8% as cashback in CRO
- Visa is accepted globally.
- Additional benefits including subscriptions, airport lounge access on higher tiers
- In-app crypto-to-fiat conversion is seamless.
❌ Cons
- Earning CRO rewards requires token staking.
- Only those who can sink long-term capital into the card should get it.
- Some tiers come with maintenance, inactivity, or account upkeep requirements.
2. Monolith Card Alternative – Binance Card
Another Monolith Card alternative to consider is the Binance Card. It is also a debit card that works on the Visa network and is issued when you open a Binance account.
It accepts major cryptocurrencies including BTC, ETH, BNB, and stablecoins, automatically converting them to fiat currency. While they generally charge no issuance, or monthly fee, users also receive ~8% BNB cash back. But, to get these cash back rewards, users have to complete their BNB balance.
There’s also a virtual card option, and, of course, the card is accepted all over the world. But, it’s not available in some countries, including the US, and the cash back is not as good as the Monolith Card due to the high BNB balance requirement.
Binance Card Features
- Type: Debit Card
- Network: Visa
- Fees: No annual fees, issuance fees, or monthly fees. Only pays a small conversion fee (about 0.9%)
- Cryptocurrencies Supported:** Bitcoin, Ethereum, and BNB as well as stablecoins and other altcoins
Binance Card Pros & Cons
✅ Pros
- Up to ~8% cashback in BNB
- No annual or monthly fee.
- Works with the Binance wallet and ecosystem.
- Useful card for spenders.
❌ Cons
- To get the max rewards, you need to have BNB.
- Not all countries have access to it.
- There may be trading and conversion fees.
3. Alternative to Monolith Card – Coinbase Visa Debit Card
The Coinbase Visa Debit Card is yet another option for Monolith Card and it connects to a Coinbase account just like the Monolith Card. This card is also a Visa Debit card, so you can use it to spend your cryptocurrencies, and it also has automatic conversion to fiat at the time of purchase, just like the Monolith card. This card supports major cryptos including Bitcoin, Ethereum, USDC, etc.
One of the main advantages is the absence of spending or annual fees. Additionally, when users spend, they can gain unlimited rewards in crypto (around 4% cashback), which is awesome! Security is also an upside for Coinbase with functionalities like card freezing through the app, and 2-factor authentication.
Applying network fees and other conversion costs when crypto is transferred off Coinbase however, there is still nothing better for the novice and the people who like to spend, as the card’s fees are simple and its use is accepted everywhere.
Coinbase Visa Debit Card Features
- Type: Debit Card
- Network: Visa
- Fees: No annual fees or spending fees.
- Cryptocurrencies Supported: Bitcoin, Ethereum, USDC, and other major cryptocurrencies
Coinbase Visa Debit Card Pros & Cons
✅ Pros
- Annual and spending fees are zero.
- Crypto rewards on purchases 1%-4%
- Simple to use and easy for beginners
- Good security and support with the Coinbase app are via the support.
❌ Cons
- Rewards are lower than the competition.
- Not as many advanced tier rewards available.
- Limited availability by region (may vary).
4. Monolith Card Alternative – Nexo Card
The Nexo Card is kind of unique in that it is a Monolith Card alternative with a dual-mode (debit + credit) card that is issued under the Visa and Mastercard networks. This means you can spend your crypto with the card in Debit Mode, or you can keep your assets and use the card to access liquidity through the credit.
This is something a lot of alternatives don’t offer. The card works with multiple cryptos and stablecoins in the Nexo ecosystem and the card will do on-the-spot asset conversions. There’s no regular annual fee, and you can also earn an additional ~2% crypto cashback (NEXO or BTC) on your purchases when you have a certain crypto balance.
Other benefits are up to ~14% annual interest on unspent ATM balances and free interest ATM withdrawals. This makes Nexo a perfect everyday crypto spend tool .
Nexo Card Features
- Type: Hybrid (Debit + Credit)
- Network: Visa / Mastercard
- Fees: No annual regular fees. Rewards are given based on loyalty tier.
- Cryptocurrencies Supported: Bitcoin, Ethereum, stable coins, and other coins supported in the Nexo ecosystem.
Nexo Card Pros & Cons
✅ Pros
- No need to sell to spend crypto via the credit feature.
- Up to ~2% back in crypto
- Unspent balances earn interest
- ATM withdrawals
❌ Cons
- Rewards not as high as other options
- Not great if you don’t hold NEXO tokens
- Credit terms differ by country
5. Monolith Card Alternative – KAST Card
KAST Card is a Monolith Card alternative. It is a feature-rich Visa debit card with multi-chain stablecoin support (USDC, USDT, USDe), and global spending capability at millions of merchants.
It is unique in having immediate support for Apple Pay and Google Pay, zero or very low crypto to fiat conversion fees, and optimal reward structures with 3-9% paybacks in rewards of points or tokens, especially when staking SOL or engaging with the ecosystem. Tier structures with free to premium options exist.
Although there may be ATM and foreign transaction fees based on tier, the reward structures are flexible and valuable, making them optimal for everyday reward spending.
KAST Card Features
- Type: Debit
- Network: Visa
- Fees: Different tiers with free and premium. ATM and foreign fees vary.
- Crypto Support: USDC, USDT, USDe and some altcoins
KAST Card Pros & Cons
✅ Pros
- Good rewards (up to ~9% cashback)
- Supports Google/Apple Pay
- USDC, USDT, and other compatible stablecoins
- Active users earn tiered benefits
❌ Cons
- Foreign & ATM transaction fees
- Staking or holding may be necessary for premium benefits
- Limited awareness in some regions
6. Monolith Card Alternative – Cypher Card
Cypher Card is a modern Monolith Card alternative. It offers a unique non-custodial structure to users, and a combination with a Visa debit card, enabling users to spend crypto over 1000+ on the supported coin currencies.
Users can keep control of their assets until conversion with this card, which supports Apple Pay and Google Pay. The fee structure is plan-dependent: the standard plan is free for the virtual card (with some conversion fees) and the premium plan with the metal card will likely have a subscription fee.
However, earning cashback rewards in the platform’s native token along with premium users earning boosted rewards, adds to the card’s benefits. The card’s multi-chain capability along with a non-custodial model provides a much different offering than other competitors to the Monolith Card.
Cypher Card Features
- Type: Non-Custodial Debit
- Network: Visa
- Fees: The virtual card is free; the metal card has a premium subscription
- Crypto Support: 1000+ coins on all chains
Cypher Card Pros & Cons
✅ Pros
- 1000+ crypto and multi-blockchain support
- Non-custodial (you retain control until conversion)
- Supports Google/Apple Pay
- Premium users get cashback
❌ Cons
- Some features may require premium subscription
- Self-custody can be complex for newcomers
- Some fees for conversion
7. Monolith Card Alternative – Gnosis Pay Debit Card
Deciding to use the Gnosis Pay Debit Card, Monolith Card alternative users will receive a self-custodial Visa card. It provides users the ability to control their funds with direct spend from their wallet without the exchange holding funds, which is especially strong in European markets.
There is a focus on limiting fees and maintaining control of private keys up until consummation of the transaction. Self-custodian solutions usually require users to secure their own wallets, and this solution is no different. Gnosis provides users with no issuance and maintenance fees, which is rather rare.
Even though some centralized cards may offer more rewards, the emphasis here is on the simplicity of the spending process, along with enhanced user control. This is ideal for users who prefer control over convenience.
Gnosis Pay Debit Card Features
- Type: Self-Custodial Debit
- Network: Visa
- Fees: Simple with no or extremely low fees for maintenance and card issuance
- Crypto Support: Most stablecoins and some other coins
Gnosis Pay Debit Card Pros & Cons
✅ Pros
- Self-custodial — user keeps the private keys
- Card issuance fees are low or none
- Spend crypto directly with less intermediary
- Good privacy and control
❌ Cons
- Smaller rewards than other options
- Not quite as many supported cryptocurrencies
- Fewer perks may be available (no streaming perks, lounge access, etc.)
8. Monolith Card Alternative – MetaMask Card
The MetaMask Card is a Monolith Card alternative that utilizes self-custody wallet spending on the Mastercard network. This means that crypto users are able to spend USDC, USDT, wETH, and other crypto assets directly from their MetaMask wallet.
It is particularly known for its direct wallet integration and a premium tier called the “Metal” card which is able to offer users up to ~3% cashback on certain qualified spends.
The virtual card typically does not come with any annual fees, while the physical version does charge an annual subscription fee. Competitive fees are offered for transactions and conversions.
Additionally, users are able to keep their private keys throughout the payment process because it uses MetaMask’s wallet infrastructure. This is a primary advantage for users who are looking for an alternative card that is more secure and flexible.
MetaMask Card Features
- Type: Wallet-Linked Debit
- Network: Mastercard
- Fees: The metal card has a subscription fee; the virtual card is free.
- Crypto Supported: USDC, USDT, WETH, and select ETH tokens.
MetaMask Card Pros & Cons
✅ Pros
- cashback Up to 3% on select tiers
- Supports Apple and Google Pay
- Great wallet integration and self-custody
❌ Cons
- Subscription required for metal card
- MetaMask has limited assets
- Lowest tier cards have better rewards
9. Monolith Card Alternative – UPay Debit Card
The UPay Debit Card is a Monolith Card alternative that specializes in global crypto spending with straightforward fee structures and a high level of merchant acceptance.
Your card typically works on a crypto-to-fiat conversion model which enables you to load cryptocurrencies like BTC, ETH, or USDT and spend them wherever Mastercard or Visa are accepted.
Some cards may impose minor activation or recharge fees (ex. ~2% recharge) and ATM withdrawal fees (~2%), however, users typically incur no fees for spending, and can add the card to either Apple Pay or Google Pay.
The simple pricing structure is a distinctive attribute for users looking for basic per-transaction spending in crypto without complicated staking options.
UPay Debit Card Features
- Type: Debit Card
- Network: Visa and Mastercard
- Fees: $2 activation fee, $2 recharge fee, and $2 ATM withdrawal fee
- Crypto Supported: BTC, ETH, USDT, and other tokens.
UPay Debit Card Pros & Cons
✅ Pros
- Spend with a simple fee structure
- Supports Apple and Google Pay
- Used Worldwide
- Spend Easy with direct crypto to fiat conversion and top ups
❌ Cons
- There are some activation and ATM fees (~2%)
- Not as many premiums and high reward
- Some coins may have high conversion fees
10. Monolith Card Alternative – Solflare Card
The Solflare Card is a Monolith Card alternative which merges self‑custody crypto control with a Mastercard debit card, enabling users to spend USDC and select other crypto assets directly from the Solflare wallet without prior conversion.
Launching in the United Kingdom and European Economic Area, the card is equipped with biometric fraud detection and 3D Secure for added security.
Users can be confident that they will keep guardianship of their private keys right until the point of payment due to the self-custodial structure. The card integrates with mobile wallets such as Google Pay (and Apple Pay support will be added soon), offering seamless payments without contact.
While the card’s fees and availability will change as time goes on, the Solflare Card’s wallet integration and biometric authentication make it feel like a safe and borderline revolutionary solution compared to traditional custodial crypto payment cards.
Solflare Card Features
- Type: Self-Custody Debit
- Network: Visa and Mastercard
- Fees: Card tier fees may be higher or lower.
- Crypto Supported: USDC, some stablecoins, and select other tokens.
Solflare Card Pros & Cons
✅ Pros
- Self-custody controls until spending
- card tech and security Biometric modern
- Supports Apple and Google Pay
- Privacy and wallet linkage more robust
❌ Cons
- Some cards provide more competition rewards
- Rollout region or phase may limit availability
- Smaller crypto support than many card providers
Benefits of Using Monolith Card Alternatives
Support for More Cryptocurrencies Most Alternative cards often support an even wider selection of cryptos, tokens, and stablecoins. More flexibility to spend, swap, and manage cards directly.
Lower Fees and Rates More alternatives mean lower fees, less expensive conversion rates, and lower withdrawal fees, especially when considering international transactions.
Extra Rewards More than one card offers higher bragging rights with some extra cashback and rewards on higher tier spend than with a lower tier crypto card.
Wider Access There are a greater number of alternative crypto cards offers even more geographies to the use of crypto payment cards.
Additional Features More options mean better and more varied features. Better wallet integration, auto swap features, and embedded trade tools streamline DeFi ecosystem interaction.
Conclusion
Conclusion – Monolith Card Alternatives
With Monolith Cards becoming increasingly difficult to obtain as time goes on, the demand for cards geared toward cryptocurrency use is on the rise. New competitor cards are cropping up, such as the Crypto.com Visa Card, Binance Card, and Coinbase Visa Debit Card, which are great for traveling, earning high tier rewards, and use at a majority of places.
For those concerned about self custody and the ability to keep private keys, competitor cards like Cypher, MetaMask, and Solflare are a great option. Unique to the market, Nexo and KAST cards hybrid systems, offering tiers of rewards and crypto exclusive credit.
Others like UPay and Gnosis Pay Debit Cards are great low fee options to keep a digital currency for everyday purchases without the hassle of worrying about a crypto wallet.
Competitor cards to Monolith have a wide array of values and features, so customers have to decide if they place the highest value on redeeming cash back rewards, controlling their crypto, a diverse crypto wallet, or using the card globally.
The competitor cards are user friendly and provide the ability to use currency without the worry of a third party and with the added benefit of keeping your crypto currency.3
FAQ
What are Monolith Card Alternatives?
Monolith Card Alternatives are crypto debit or prepaid cards that allow users to spend cryptocurrencies in daily life. These cards offer features like instant crypto-to-fiat conversion, cashback rewards, multi-crypto support, and global merchant acceptance, serving as replacements for the now less-accessible Monolith Card.
Which are the top Monolith Card Alternatives in 2026?
Some of the top alternatives include Crypto.com Visa Card, Binance Card, Coinbase Visa Debit Card, Nexo Card, KAST Card, Cypher Card, Gnosis Pay Debit Card, MetaMask Card, UPay Debit Card, and Solflare Card. Each card offers unique benefits such as rewards, self-custody, or hybrid credit-debit options
Can I earn rewards with Monolith Card Alternatives?
Yes, many alternatives offer cashback or crypto rewards. For example, Crypto.com and Binance Cards offer up to 8% cashback, while MetaMask and Cypher Cards provide rewards for premium users. Rewards vary by card type, staking requirements, and regional availability.
Do these cards support multiple cryptocurrencies?
Most alternatives support popular cryptocurrencies like BTC, ETH, and stablecoins (USDC, USDT). Some, like Cypher Card, support over 1000 cryptocurrencies across multiple blockchains, while others may focus on specific coins within their ecosystem.
Are these cards safe to use?
Yes, these cards are generally secure. Many offer self-custody, biometric verification, two-factor authentication, and app-based security features. Cards like Solflare, MetaMask, and Gnosis Pay prioritize control of private keys until the point of payment.
