10 Coinbase Card Alternatives In 2026

In 2026, cryptocurrency debit and credit cards have advanced significantly beyond the initial Coinbase Card, providing users with increased flexibility, rewards, and worldwide accessibility.

Customers may now easily spend digital assets across borders thanks to platforms like Binance, Crypto.com, Nexo, Wirex, and PayPal that have introduced cutting-edge functionality.

These Coinbase Card Alternatives are effective tools for routine transactions and connecting cryptocurrency with traditional financial systems since they feature reduced costs, increased cashback, and multi-asset functionality.

What Is the Coinbase Card?

Coinbase offers a Visa® debit card called the Coinbase Card, which enables users to spend cryptocurrency or US cash straight from their Coinbase account while collecting cryptocurrency incentives.

It was created to make routine purchases easy by instantaneously changing cryptocurrency balances into fiat at the point of sale. It may be used anywhere Visa is accepted globally.

In addition to earning up to 1% cashback in cryptocurrency like BTC, ETH, USDC, or other supported tokens, the card has no annual fees or hidden spending costs. It offers convenience and security with features like two-factor authentication, card freeze, and configurable reward selection.

Top 10 Coinbase Card Alternatives (2026)

Card Name	Key Features
Binance Pay Global Card	Direct BTC/USDT spending, global merchant support
Crypto.com Visa	Tiered staking, supports 50+ tokens
Nexo Card	Dual mode (credit + debit), instant crypto-to-fiat
Wirex Card	Multi-currency wallet, supports stablecoins
BitPay Mastercard	USDT, BTC, ETH direct spend
Revolut Crypto Card	Integrated with Revolut app, fiat + crypto
Monolith DeFi Card	Non-custodial, Ethereum-based
PayPal Crypto Card (2026)	Linked to PayPal wallet, instant conversion
Plutus Card	Earn PLU tokens, supports fiat + crypto
Uphold Card	Spend across 200+ assets

1. Binance Pay Global Card

Binance offers cryptocurrency-debit cards called Visa Binance cards that support cryptocurrency spending via a Binance wallet. Binance cards have an 8% cashback on Binance coin (BNB) which rewards higher based on BNB token holdings, making it a good competitor as a Coinbase Card alternative.

These cards have no annual costs, but foreign exchange fees and conversion costs can still occur. BNB rewards are sole at stake, and the cards can be used anywhere Visa is accepted.

However, Binance regularly adjusts availability by the user’s location, and is at times unavailable in the U.S and Europe. The cards support a lot of cryptocurrencies and major cryptos.

 Binance Pay Global Card Features

• Rundirect crypto spend (BTC, ETH, USDT, BNB) + no conversion fees
• Accepted in 180+ countries, 20M+ merchants
• Up to 2% refunds in BNB or stablecoins
• Pay and Binance ecosystem seamless transfers
• For digital nomads, this is the best alternative to the Coinbase Card

Binance Pay Global Card

Pros:

• The card can be used at over 180 countries and has a lot of merchants that support the card.
• You can spend crypto on the card without any conversion fees.
• You can earn up to 2% in crypto cashback.
• The card is well integrated into the Binance ecosystem.

Cons:

• Binance has custody over the funds which makes the card more centralized.
• Some regulatory restrictions apply.
• You will earn less compared to other competitor cards.

2. Crypto.com Card

Another alternative to the Coinbase Card is based on the Crypto.com Visa Card. The Crypto.com Visa Card is fully operational and allows customers to stake Crypto.com (CRO) tokens in exchange for daily purchases and 5% cashback which is also in CRO.

Offering no annual fees, the Crypto.com Visa Card remains a strong competitor to the Coinbase Card because of the lifestyle rewards it offers. Crypto.com was the first to brand its cards in the industry.

Rewards encompass possible discounts on premium subscriptions for Spotify, Netflix, etc. It is accepted internationally through the Visa network, including the U.S., EU, UK, APAC, and Australia. It supports 20+ cryptocurrencies, and the fees are generally low; however, some ATM and FX fees may apply if the staking requirements are not met.

 Crypto.com Visa Card Features

• Stacked loyalty tiers with rewards based on CRO staking
• Deposit a cashback spend of 1.5% to 6% in CRO tokens
• Free subscriptions for Spotify, Netflix, and SAG lounge
• No membership fees, only staking for the higher tiers
• Globally available in the US, EU, Asia

Crypto.com Visa Card

Pros:

• You can earn very high cashback of up to 6% but you will have to stake some CRO tokens.
• The card offers lifestyle benefits that include free Spotify and Netflix, as well as, access to lounges.
• There are no annual fees.
• The card is available in the US, EU, and Asia which covers a lot of geographies.

Cons:

• To earn the best rewards on the card, you do need some CRO tokens.
• The price of the tokens will affect how much you get in cashback.
• The card has a lot of tiers and that can be confusing for new users.

3. Nexo Card

Officially the Nexo Card issued by Nexo & Mastercard, the Nexo Card has the unique feature of being a credit/debit card on top of being a Coinbase Card competitor. Instead of selling your crypto, you spend crypto by borrowing against your collateral.

For those who want Coinbase Card alternatives without triggering tax events by selling their crypto, the Nexo Card is a good option. Cardholders enjoy ~2% cashback on purchased made in NEXO tokens (or a lower BTC option) plus card interest on idle balances in certain modes.

The Nexo Card has no monthly or annual fees, and you can toggle between credit and debit modes in the Nexo app. The card is offered primarily in the European Economic Area (EEA) and the UK, and crypto collateral control is offered at several cryptocurrencies. The card plus benefits and fees vary by region and loyalty tier.

Nexo Card Features

• – Debit + credit with crypto collateral dual mode
• 0.5% cashback in BTC or 2% in NEXO tokens
• No additional fee, just the monthly fee
• Interest on unspent balances
• Currently available in the UK & EU, and has plans for global expansion

Nexo Card

Pros:

• The card can be considered dual functionality because it has debit and credit card functions.
• You can get up to 0.5% cashback in BTC and 2% cashback in Nexo.
• There are no monthly fees on the card.
• The card allows you to earn interest on your balances that are not spent.

Cons:

• The card has limited availability which is within the UK and EU only.
• There are foreign exchange fees of 2.5% if you need to convert currencies.
• The card offers less rewards compared to other cards like Crypto.com and Plutus.

4. Wirex Card

Wirex Card (Visa/Mastercard) presents a flexible solution for crypto and fiat spending and offers comprehensive support in more than 40 countries which makes Wirex Card a flexible Coinbase Card alternative for travelers and crypto spenders.

Customers have the ability to spend numerous cryptocurrency and fiat currency options where Visa and Mastercard are accepted. Wirex will pay 1 to 8 percent of the purchase price back in WXT tokens via their Cryptoback program which will pay back in tokens for eligible transactions.

Rewards payouts will vary based on your usage and will typically be 1 to 2 percent. Card funds will pay the typical small fees to activate the card and then you will be able to avoid significant foreign exchange fees. Wirex gives optional subscription tiers that will enhance premiums like higher crypto and fiat balances than 25+ cryptocurrencies.

 Wirex Card Features

• Separate crypto and fiat accounts in a multi-currency wallet
• Cryptoback™ rewards of 2-8% in Express X-Points
• No conversion fees, Minimal Margins
• Currently available in Europe, Asia-Pacific, North America

Wirex Card

Pros:

• Supports both cryptocurrency and fiat in a single wallet
• Rewards in X-Points (2-8% Cryptoback™)
• Absolutely no FX fees
• Serviceable in Europe, North America, and the Asia-Pacific

Cons:

• The only reward currency is X-Points (not direct crypto)
• To earn more cashback, you have to go to a paid tier
• Merchant-based benefits are fewer than their competitors

6. BitPay Mastercard

The BitPay Mastercard is a Mastercard compliant prepaid card that spends like a Mastercard. Users load the card with the cryptocurrencies BitPay allows, and the card will spend the equivalent fiat currency for the cryptocurrency you use.

This card in the Coinbase Card category is exceptionally simple, and is for users that prefer high spending simplicity to card rewards. Users can spend their loaded crypto like BTC, ETH, and a number of fiats like stablecoins with FlashPay.

Users can expect to pay a one-time issuance charge to load the card, a 3% foreign transaction fee, and users can withdraw from ATMs for a small fee.

This card does not have a subscription and no monthly fees. Users will get the occasional cash back reward that is built in from the card’s partner’s incentivized rewards. Availability is mostly in the U.S. (50 states), and it supports major wallets and Apple/Google Pay.

 BitPay Mastercard Features

• Linked with the U.S. crypto wallet BitPay.
• Compatible with crypto and fiat currencies like BTC, ETH, USDT, and others.
• Issuance fee of 10 USD, no monthly fees.
• Up to 15% cashback on a few selected merchants.

BitPay Mastercard

Pros:

• Established provider of cryptocurrency payments
• Supports USDT, ETH, BTC and others
• USD balances with FDIC protection
• No monthly fees to hold the card

Cons:

• Only customers in the U.S. can get the card
• There is a fee of $10 to get the card
• Limited to certain cashback merchants

6. Revolut Crypto Card

The Revolut Crypto Card is a mix of banking and crypto services from the fintech company Revolut. It lets people make payments from their crypto balances and incur no exchange fees at the point of sale, making it a smart Coinbase Card alternative for people who hold different currencies.

Revolut started as a digital banking and payments app and lets people spend crypto by automatically converting the asset at the time of payment, and users can select which crypto balance they want to spend from.

There are no setup fees, exchange fees, or payments, but users may have to pay for physical card delivery or customization, and there may be fair-use limitations in different regions.

The card is available in most of Revolut’s regions (Europe, the U.K, parts of Asia, and they have more regions in the pipeline) and works with Apple/Google Pay. Unlike some crypto-only cards, card payments create a taxable disposal event in many jurisdictions.

 Revolut Crypto Card Features

• Linkable to the banking application of Revolut.
• Payments in 150+ currencies including cryptocurrencies.
• Premium tiers mean cashback.
• No fees for conversions within the fair use limit.

Revolut Crypto Card

Pros:

• Merged with Revolut’s banking services
• Currency conversion in 150+ currencies
• Allows for cashback, however, you must hold a premium tier to get it
• Effortlessly integrates crypto and fiat

Cons:

• Less of a reward than you would find on a card solely focused on crypto
• Best rewards and features are gated behind a premium subscription
• Less crypto assets than competitors, especially when compared to Binance

7. Monolith DeFi Card

The Monolith DeFi Card is a crypto-linked Visa card paired with a non-custodial DeFi wallet (mostly Ethereum and its token standards). It is a card for Coinbase Card alternative users in the DeFi space, as it lets people spend ETH and a few stablecoins while being able to self-custody the funds until the time of the spend.

There are usually no monthly or yearly fees, and transactions convert crypto to fiat in real time with Visa. Rewards and cashback are promotional or integration-based, rather than tiered.

Availability is broader in support of non-custodial wallets, so ideal for users of DeFi wallets and gas. Since it’s on-chain, it’s ideal for direct leveraging on-chain assets for everyday payments.

 Monolith DeFi Card Features

• Card on Ethereum blockchain without custody (has to be linked to a DeFi wallet).
• Fees of 1.75% for spending and 0.85 for ATM withdrawals.
• DeFi yield farming provides cashback.
• Limited to Europe, then discontinuance in 2024.

 Monolith DeFi Card

Pros:

• Integration with wallet that is non-custodial & Ethereum based
• Rewards that are based on DeFi yield farming
• A strong ethos of decentralization

Cons:

• No longer active, discontinued in 2024
• Only sold in Europe, and that only when active
• Higher fees (spend and ATMs have 1.75% fees)

9. PayPal Crypto Card

The PayPal Crypto Card is essentially a Coinbase Card alternative by virtue of PayPal’s dominant market share, and the ability to use PayPal to spend crypto. PayPal, however, is more than just a crypto spend and convert service.

They have added features so that eligible users can spend crypto by directly paying merchants. Conversion is usually done at a premium and PayPal is the one who gets to keep the premium, so for merchants that you can pay with PayPal, you are usually better off using crypto to pay.

Thanks to PayPal’s widespread support across countries and merchants, the ability to spend crypto is really bridging the gap between traditional and digital payments.

PayPal Crypto Card Features

• Linked with PayPal’s ecosystem of over 650M users.
• Crypto supported with BTC, ETH, USDT and 100+ other assets.
• Automatic conversion to fiat at checkout.
• Certain merchants offer promotional cashback.
• Available in the U.S. & global markets.

PayPal Crypto Card

Pros:

• Connected to the huge customer base of PayPal (over 650 million)
• Supports BTC, ETH, USDT, and 100+ other assets
• Automatic conversion of fiat at checkout
• Facilitation of mainstream user adoption

Cons:

• Lack of reward transparency and inconsistency
• Use of PayPal for centralized custody
• Offers fewer crypto-native features than Binance or Nexo

9. Plutus Card

The UK-based fintech Plutus has a Visa debit card called the Plutus Card that allows users direct crypto spending and cashback rewards in PLU tokens. This makes it a compelling alternative to the Coinbase Card particularly for users in Europe.

Plutus started in 2015. It has 3% cashback in crypto, and other perks with specific merchants such as streaming service rebates when you stake PLU. There are no annual fees for basic cards.

However, the other tiers or other cards with increased benefits will have a subscription fee. You can spend PLU, Bitcoin, Ethereum, and stablecoins anywhere in the world like Visa. Card features and issuance may differ by region, especially in the UK and EU.

Plutus Card Features

• Visa also integrates the PLU token.
• 3% cashback in PLU.
• Extra benefits on shopping and subscription services.
• Charges: €9.99 card issuance + 2.5% ATM fees
• Operates in Europe

Plutus Card

Pros:

• 3% PLU token cashback
• Discounted subscriptions and other benefits
• User-controlled non-custodial wallet
• Acceptance of Visa throughout Europe

Cons:

• Available only in Europe
• Costs: €9.99 for card issuance and 2.5% at ATMs
• PLU token volatility affects rewards

10. Uphold Card

Uphold has a crypto debit card called the Uphold Card. It’s a flexible alternative to the Coinbase Card. You can spend crypto directly from your Uphold wallet. There are no foreign transaction fees and good rates, which is good for foreign purchases.

There is typically no annual or setup fee. You can use Apple/Google Pay to spend and there are ATMs you can use that are in the card network.

The card will convert crypto and other assets to fiat and back at the point of sale. It is available in many regions with MasterCard, but it depends on local Uphold support.

Uphold Card Features

• Spend on 200+ assets (crypto, metals, fiat)
• 2–6% cashback in XRP based on tier
• No yearly fees, 0% currency conversion fees
• Available in US & UK
• Multi-asset Coinbase Card alternative for investors

Uphold Card

Pros:

• Spendable assets include 200+ cryptocurrencies, 3 metals, and fiat
• 2-6% cashback on spending in XRP
• 0% on foreign exchange fees and no annual fee on the card
• Available in both the US and the UK

Cons:

• Only XRP rewards
• Less coverage than Binance or Crypto.com
• Spending requires an Uphold account

What to Look for in a Crypto Card in 2026?

Low Fees

Pick cards that have little to no fees when spending, withdrawing, or when using foreign exchange to optimize costs when using crypto to spend.

Global Availability

Check that the card has international usage, supports various countries, and works on global networks like Visa or Mastercard for global payment agiltiy.

Crypto Rewards

Watch for return or reward structures on spending that give bitcoins, ethereum, or stable coins and offer consistent worth, instead of service tokens.

Asset Support

Opt for cards that include various digital assets and stable coins, as well as fiat currencies to enable flexible spending and payment use situations.

Security Features

Choose cards that offer fraud protection, freeze options, and custodial accounts to protect against lay over theft, hacks, or centralized fund custody.

Ease of Conversion

Cards should enable real time crypto to fiat at the time of purchase, to prevent delays and work around for merchant to accept payment.

Integration with Wallets

Opt for cards that intergrate with wallets or exchanges for smooth transfer, balance management, and direct access to DeFi or centralized payment systems.

Regulatory Compliance

Make sure the card follows local laws, has clear KYC/AML guidelines, and doesn’t have service halt provisions that could restrict access or lock funds.

Spending Limits

Make sure the card has daily, monthly, and ATM withdrawal limit caps. There may even be merchant restrictions, so consider the card relative to your lifestyle and transactional needs.

Extra Perks

Look for cards that provide lifestyle benefits—these may include subscription savings, access to airport lounges, or merchant cashback—which provide utility beyond the basic crypto spend function.

Conclusion

The Coinbase Card has made spending crypto easier, however, by 2026, other cards will be available that have broader rewards, lower fees, and work internationally. The Binance Pay Global Card has great acceptance and allows payment with crypto, while the Crypto.com Visa has perks and good cash back.

The Nexo Card and Uphold Card are great for investors because they offer liquidity and support multiple assets. Wirex, Plutus, PayPal, and Revolut are good for mainstream consumers.

When it comes to picking the best card that is an alternative to Coinbase, it depends on how important global coverage, rewards, or payments with regular finance and DeFi are to you.

FAQ