I will outline alternatives to Payoneer Crypto Card in 2026 that offer more flexible spending of cryptocurrencies.
Payoneer caters mostly to fiat transactions. Users tend to prefer crypto cards with features such as non-delayed conversions of crypto to fiat, global acceptance, and other rewards. This makes everyday payments using crypto more convenient and efficient.
What is Payoneer Crypto Card Alternatives?
Alternatives to the Payoneer crypto card include services that provide cards/payments and enable users to manage and spend cryptocurrency directly for everyday payments instead of just fiat payments like Payoneer.
These alternatives are typically crypto-linked debit or prepaid cards issued by FInTech or cryptocurrency exchanges that provide real-time crypto-to-fiat conversion at the time of purchase.
These services support multiple cryptocurrencies and provide a variety of features like international transactions, mobile wallets, vISa or Mastercard, and cryptocurrency rewards making them a more desirable option for consumers focused on cryptocurrency.
Why Use Payoneer Crypto Card Alternatives
Spend Crypto Directly: These cards allow you to pay merchants with crypto directly, unlike Payoneer, which requires you to convert to fiat spend.
Global Acceptance: These cards are usually Visa or Mastercard, making them accepted everywhere Payoneer is.
Rewards & Cash Back: Payoneer does not offer crypto reward or cash back benefits.
Multi-Currency Support: One card can be loaded with several crypto options including BTC, ETH, USDT, and USDC.
Mobile Wallet Integration: Supports contactless payments via Apple Pay and Google Pay.
Lower Conversion Fees: Payoneer has higher cross-border spend fees and crypto-to-fiat conversion fees.
Faster Transactions: Spending crypto directly is faster compared to cross-border or bank processing.
Access to Advanced Features: These cards provide features like crypto-backed credit, DeFi integration, and more.
Key Point & Payoneer Crypto Card Alternatives List
| Crypto Card Alternative | Key Feature |
|---|---|
| Crypto.com Visa Card | High cashback with staking tiers |
| Coinbase Card | Direct spending from Coinbase balance |
| Binance Card | Low conversion fees, Binance ecosystem |
| Wirex Card | Crypto cashback (in WXT tokens) |
| Nexo Card | Spend without selling crypto |
| Bybit Card | Exchange-linked, fast conversion |
| KAST Crypto Card | Multi-chain stablecoin support |
| UPay Card | Apple Pay & Google Pay support |
| Revolut Card (Crypto Enabled) | Banking + crypto in one app |
| Crypterium Visa Card | Wide global acceptance |
1. Crypto.com Visa Card
The Crypto.com Visa Card acts like a prepaid Visa debit card that allows you to make daily purchases using your cryptocurrency. This card allows you to convert cryptocurrency to fiat currency while you make purchases.
It currently supports USD Coin (USDC), Tether (USDT), Ethereum (ETH), Bitcoin (BTC), Crypto.com Coin (CRO), and a multitude of other cryptocurrency and fiat currencies.
The card is useable in all regions that Visa supports, including the U. S., Europe, and Asia, however the rewards and card availability may vary based on your country. If you are looking for lifestyle benefits and cashback (approx. 5% based on CRO card staking), this card is best for you.
Crypto.com Visa Card Features, Pros & Cons
Features
- Different cards with different perks and cashback rates
- CRO tokens are awarded as spending bonuses
- Crypto-to-fiat conversion is instant
- Visa cards are accepted globally
- Premium cards come in metal
Pros
- Premium tier cashbacks are high
- Supports spending with many different cryptos
- App is easy to use
- There are perks for travel and subscriptions
- The brand is established and reputable
Cons
- Top tier perks are locked behind the purchase of CRO tokens
- There are some regions where the cards are not available
- Premium tier cards come with monthly subscriptions
- KYC check has to be passed
- Crypto cashbacks greatly depend on the price of the tokens
2. Coinbase Card
The Coinbase card is a debit Visa card that is linked to a Coinbase account. This means that you can spend cryptocurrency from your account using the card without any manual conversion.
Although the card is accessible in most states in the United States and in most of Europe, you can spend Bitcoin (BTC), Ethereum (ETH), and other cryptocurrencies based on your region, including USD Coin (USDC) and Dogecoin (DOGE), and have the crypto-transactions convert to fiat at the point of sale.
It works with Google Pay and Apple Pay for contactless payment and offers crypto cashback (up to ~4%). It’s great for people new to crypto and also to Coinbase users wanting an easy way to make daily purchases with crypto.
Coinbase Card Features, Pros & Cons
Features
- Multiple cryptocurrencies can be spent
- Cash can be converted to crypto and back on the spot
- The Card can be connected to the Coinbase app
- Crypto can be earned as a reward for spending
- The Card supports contactless payments
Pros
- The Card is very simple for Coinbase users
- Supports a lot of different cryptocurrencies
- There are no delays in completing the transaction
- Crypto rewards can be spent on any crypto of your choice
- The company is fully regulated and operates in a secure environment
Cons
- The card can only be used in the regions where Coinbase is present
- The cash back is not as high as other competitors
- Crypto conversion and other transactions are not free
- Fewer travel benefits.
- Dependent on Coinbase account
3. Binance Card
The Binance Card is an auto-crypto to fiat converting Visa debit card. You can get rewards in BNB or other supported assets depending on how much you hold. It has also supported BTC, BNB, ETH, BUSD, USDT, and other assets, although it can be restricted due to the country you’re in.
In some parts of LATAM, Brazil, and the EEA, there are lower conversion fees and cashback ranging from 0.25% to ~8% depending on how much BNB you hold. This card is perfect for Binance users and active traders in the Binance platform.
Binance Card Features, Pros & Cons
Features
- Linked to Binance wallet
- Instant cryptocurrency conversion
- Cashback on purchases
- Supports multiple currencies
- Contactless Visa card
Pros
- Effortless payments with crypto and fiat
- Multiple cryptocurrency support
- Attractive cashback offers
- Integrated with Binance ecosystem
- No annual fees on standard card
Cons
- Only offered in a few countries
- Premium perks require staking
- Rewards system reliant on market value
- KYC needed to activate card
- Fewer travel benefits
4. Wirex Card
The Wirex Card is a Visa or Mastercard debit card that enables users to spend both cryptocurrencies and fiat currencies linked to your wallet.
The card supports a wide selection of cryptocurrencies as well as major world currencies. Participants in their crypto cashback program called Cryptoback™ can receive cashback rewards of approximately eight percent in WXT tokens.
It is accepted throughout much of Europe as well as many Asian and UK countries with little to no conversion charges. This card is most suitable for mobile workers, and frequent travelers that need a multi-currency card and want to earn cryptocurrencies for daily spending.
Wirex Card Features, Pros & Cons
Features
- A wallet that supports multiple crypto and fiat currencies
- Contactless Visa card
- Bitcoin (WXT) cashback
- Instant conversion at point-of-sale
- Integrated with a mobile app
Pros
- Effortless spending with crypto and fiat
- Competitive low fees
- Cash back in crypto
- Supports multiple currencies
- Card accepted globally
Cons
- Offers less cash back than premium competitors
- Some countries cannot access the service
- A small number of premium perks
- Unpredictable crypto cashback due to market fluctuations
- Management through the app only can be limiting
5. Nexo Card
Nexo Card is a specialized crypto-linked card that has both credit and debit functionalities. It can also be considered a collateralized card, whereby the user’s crypto collateral is not liquidated.
This card has a very flexible spending feature whereby cardholders can adjust their spending modes. Nexo wallets (where the cryptoassets are stored) can hold and seamlessly transact over 40 different cryptocurrencies including Bitcoin and Ethereum.
In the European Economic Area (EEA) and the United Kingdom, (UK), Nexo Card customers can earn up to 2 percent in Nexo tokens or Bitcoin as cashback on their Nexo Card and Nexo Wallet. It’s ideal for HODLers, liquid-free crypto rewards, and borrowing perks.
Nexo Card Features, Pros & Cons
Features
- Spend fiat backed by crypto collateral
- No credit check
- Instant transactions
- Earning cashback in Bitcoin or Nexo
- Possibility of Metal Card
Pros
- Credit lines available without selling your cryptocurrency
- Rewards can be generated
- Freedom of payment choices
- Lengthy acceptance
- Deposits are insured and secured
Cons
- NEXO token are the reward tokens
- NEXO tokens have collateral
- Availability is limited in some countries
- There are some penalties if payments are overdue
- You need to stake to get the premium cards
6. Bybit Card
The Bybit card is another crypto debit card issued by Mastercard. It has a feature where users can set up automatic conversion of their crypto to fiat and spend.
It supports widely used tokens such as BTC, ETH, USDT, USDC, and others, depending on your Bybit wallet. It is available in several markets in Europe and Australia and the card has a cashback/points rewards system, along with Apple Pay and Google Pay.
It is best suited for Bybit traders wanting to conveniently spend their crypto with minimal conversion fees and exchange functionalities.
Bybit Card Features, Pros & Cons
Features
- Registered cards in Bybit accounts
- Crypto to traditional currency conversion in seconds
- Crypto cashback on every purchase
- Support for multiple tokens
- Contactless payments available via Visa
Pros
- A good fit for Bybit users
- Multi-crypto support is available
- Good purchase cashback rates
- There is an app to control the card
- Buy lift cashless transactions all over the world
Cons
- Cards are only available in certain countries
- The user must pass KYC
- There is little to no cashback
- There are not many “premium” card things
- The card is not usable outside of Bybit services
7. KAST Crypto Card
The KAST Crypto Card is a Visa debit card that allows global spending with stablecoins such as USDC and USDT, which are converted in real-time at the point of sale. It has instant virtual card issuance, and later on, physical cards with rewards in KAST’s ecosystem.
With almost everyone accepting Visa cards, it works with standard payment systems and allows Apple Pay/Google Pay. This card is ideal for customers who prefer spending stablecoins, want a card issued right away, and prefer to keep the volatility down with crypto.
KAST Crypto Card Features, Pros & Cons
Features
- Visa card for cryptocurrency that is prepaid
- Crypto to fiat conversion
- Support for multiple fiat currencies
- Transaction manage via the app
- Payment enable on the card
Pros
- Spending fiat that is backed by cryptocurrency is easy
- Using the card is pretty easy
- Support for multiple cryptocurrency options
- The card is usable in any country through Visa
- Great for casual crypto users.
Cons
- Limited or no cashback rewards.
- Certain regions are not supported.
- Less premium perks.
- Not all crypto exchanges are supported.
- Funds are subject to crypto volatility.
8. UPay Card
The UPay Card is a crypto debit card that enables you to top up and spend crypto globally just like a standard payment card (Visa/Mastercard). It offers crypto-to-fiat conversion on the go and is accepted at thousands of merchants, and it is also compatible with mobile wallets.
Regions are global and have low and transparent fees with little to no hidden surcharges. UPay is ideal for customers looking for an easy to use, highly accepted crypto card, and easy spending and app management, not requiring high levels of staking or significant amounts of cryptocurrency.
UPay Card Features, Pros & Cons
Features
- Offers all major cryptos.
- Instant POS crypto to fiat conversion.
- Uses Visa card network.
- App for management.
- Contactless payments.
Pros
- Transactions are processed quickly.
- Supports multiple cryptos.
- Easy management via app.
- Visa is supported globally.
- The platform is secure.
Cons
- Defaults to no rewards.
- Less premium features.
- Not all countries have access.
- Fees for conversion may apply.
- The value is subject to crypto volatility.
9. Revolut Card (Crypto Enabled)
The Revolut Crypto Card is a debit card that is linked to your Revolut crypto balance and automatically does the conversion from your digital assets at the time of your purchase. It offers hundreds of crypto tokens through the Revolut app and lets you choose specific balances to spend from or use your highest balance first.
It is accepted globally in all the countries where Revolut is available, plus it supports Apple Pay and Google Pay. This option is perfect for those who wish to make crypto payments with the additional benefits of traditional fintech, including budgeting features, multi-currency accounts, and crypto wallets.
Revolut Card (with Crypto) Features, Pros & Cons
Features
- Cryptos can now be spent directly on the Revolut App.
- Supports multiple currencies.
- Crypto to fiat conversion is instant.
- Certain cards have rewards.
- Management via app.
Pros
- Very convenient for users who have use Revolut.
- Multiple crypto is supported.
- Integration with fiat is also supported.
- Travel features and budgeting are available.
- Revolut is widely available.
Cons
- The crypto rewards are very limited.
- There are some transaction fees.
- Available regions are limited.
- Premium features are available only through subscription.
- The price to use the card is subject to the value of the crypto.
10. Crypterium Visa Card
The Crypterium Visa Card is a prepaid card like many crypto cards, that also functions like a regular Visa card that lets users spend their crypto as if it were fiat currency. It supports the most widely accepted coins, including BTC, ETH, LTC, and Crypterium’s CRPT token as well as other coins and, of course, major crypto.
The card can be used worldwide and has flexible daily and monthly limits. It works like a standard card connected to the Crypterium app. This card is ideal for users that wish for limitless crypto transactions and spend integrated into a complete crypto wallet platform.
Crypterium Visa Card Features, Pros & Cons
Features
- Instant conversion from crypto to fiat currency
- Wallet supporting multiple currencies
- Visa card
- Crypto rewards
- Manage via an app
Pros
- Spend cryptocurrencies globally
- Great crypto rewards
- Multi currency support
- Intuitive app design
- Supports contactless transactions
Cons
- Not available in all regions
- Crypto rewards change based on market volatility
- Fewer exclusive offers
- Identity verification (KYC) needed
- Less known than some other options
Conclusion
Although Payoneer is a dependable option for conventional cross-border payments, its lack of direct cryptocurrency spending capabilities makes it less appropriate for consumers who are interested in cryptocurrencies in 2026.
The competitors to Payoneer cryptocurrency cards that have been considered, including Crypto.com, Coinbase, Binance, Wirex, Nexo, Bybit, KAST, UPay, Revolut, and Crypterium, include native cryptocurrency support, quick crypto-to-fiat conversion, worldwide acceptance, and extra features like cashback, rewards, and mobile wallet integration.
These options are more in line with the developing digital finance ecosystem, particularly for traders, independent contractors, and users from around the world who wish to easily spend cryptocurrency. The best option, which offers greater freedom and control than Payoneer, will depend on your location, preferred cryptocurrency, costs, and incentive structure.
FAQ
What is a crypto card and how is it different from Payoneer?
A crypto card is a debit or credit card that lets you spend your digital assets (like BTC, ETH, USDC) directly at merchants by converting crypto to fiat at the point of sale. Unlike Payoneer — which is designed for global payments, invoicing, and fiat transfers — crypto cards integrate with blockchain wallets and exchanges, enabling real-time crypto spending, rewards in crypto, and often lower fees for crypto conversion.
Are crypto cards legal and safe to use?
Yes — most major crypto cards (e.g., Crypto.com, Coinbase, Binance) are offered by regulated companies and partner with Visa/Mastercard, providing consumer protections similar to traditional bank cards. Always activate security features like two-factor authentication (2FA), and verify card and wallet legitimacy. Regulations vary by country, so check local crypto and payment laws before signing up.
Will using a crypto card trigger taxable events?
In many countries, spending crypto is treated like a disposal of assets, which can create a taxable event (capital gains/losses). Tax laws differ by jurisdiction, so it’s important to consult a tax professional or use crypto tax software to track all transactions.
Can I top up a crypto card with fiat currency too?
Some cards (e.g., Revolut Crypto Card, Wirex) allow dual funding, where you can load either crypto or fiat. This flexible approach lets you spend crypto when you want or use traditional currency when preferred.
