Best self-custody crypto cards 2026

Ranking updated August 2026 · 69 verified services

Ranked by editorial rating — placement is never for sale

Cards that keep you in control of the keys: spend on-chain without entrusting funds to an intermediary.

The top pick is MetaMask Card (rated 5.0/5), with real cashback up to 3%.Payy Card and Phantom Cash follow. Verified data, with a source for every entry.

1. 1
   MetaMask Card

   S Non-Custodial Crypto Cards

   Self-custody: funds stay on-chain until payment

   5.0/5 Cashback up to 3% €0
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2. 2
   Payy Card

   S Privacy-Focused Crypto Cards

   Non-custodial stablecoin Visa card with zero-knowledge privacy: no on-chain data exposed; live since 2025; privacy 9/10.

   4.9/5 €0
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3. 3
   Phantom Cash

   A Non-Custodial Crypto Cards

   Self-custodial Solana; CASH stablecoin 1:1 USD; gas fee ~$0,01.

   4.6/5 €0
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4. 4
   Gnosis Pay

   B Non-Custodial Crypto Cards

   Self-custody via Gnosis Safe: full control of funds

   4.2/5 Cashback up to 5% €0
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5. 5
   Ready Card (Argent)

   A Non-Custodial Crypto Cards

   Self-custodial on Starknet; session-key architecture; near-zero gas.

   4.2/5 Cashback up to 3% €0
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6. 6
   Altitude Card

   B Non-Custodial Crypto Cards

   Self-custodial: Squads states it does not take custody of funds (balances in stablecoins)

   4.0/5 Cashback up to 2% €0
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7. 7
   Deblock

   A Non-Custodial Crypto Cards

   Europe's first on-chain bank; French IBAN; SEPA Instant; 4% Premium yield.

   4.0/5 Cashback up to 1% €0
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8. 8
   Fiat24

   B Non-Custodial Crypto Cards

   FINMA-regulated fintech with a real Swiss IBAN

   4.0/5 €0
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9. 9
   Fuse Card

   B Non-Custodial Crypto Cards

   Genuine self-custody: Squads smart accounts on Solana, the user remains the sole signer of funds

   4.0/5 €0
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10. 10
    Lava Card

    A Non-Custodial Crypto Cards

    Cashback paid in Bitcoin (up to 5% at partner merchants, 3% in the US on every purchase)

    4.0/5 Cashback up to 5% €0
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11. 11
    Moonwell Card

    B Non-Custodial Crypto Cards

    No annual fee and no documented issuance fee

    4.0/5 €0
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12. 12
    MPCVault Card

    B Non-Custodial Crypto Cards

    Non-custodial multi-signature MPC wallet: key split into 3 shares, no single party has full control

    4.0/5 €0
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13. 13
    Oobit

    B Privacy-Focused Crypto Cards

    Self-custody (connected wallet); 150+ countries; 5% stablecoin / 10% OOB cashback.

    4.0/5 Cashback up to 10% €0
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14. 14
    Pera Card

    B Non-Custodial Crypto Cards

    Non-custodial: USDCa funds stay in the user's own Algorand wallet until payment, with free withdrawal and no approvals needed

    4.0/5 Cashback up to 2% €0
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15. 15
    Picnic Card

    B Non-Custodial Crypto Cards

    Self-custodial with on-chain settlement on Gnosis Chain: the user controls the keys.

    4.0/5 Cashback up to 5% €0
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16. 16
    Rebind Card

    B Non-Custodial Crypto Cards

    Self-custodial: funds stay in the user's Safe smart account, Rebind cannot move them

    4.0/5 Cashback up to 5% €0
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17. 17
    Spritz Card

    B Non-Custodial Crypto Cards

    Direct funding from a self-custody wallet supporting 50,000+ tokens across many chains

    4.0/5 Cashback up to 5% €0
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18. 18
    The Bitcoin Company Card

    B Privacy-Focused Crypto Cards

    Up to 25% Bitcoin rewards on gift card purchases, withdrawable on-chain or via Lightning

    4.0/5 Cashback up to 25% €0
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19. 19
    Zeal Card

    A Non-Custodial Crypto Cards

    Self-custody white-label on Gnosis Pay; 0% FX; up to 5% GNO cashback.

    3.9/5 Cashback up to 5%
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20. 20
    Exodus Spend Card

    B Non-Custodial Crypto Cards

    Non-custodial delegation model; 0% FX; 30+ countries; Apple/Google Pay.

    3.8/5 €0
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21. 21
    Jupiter Card

    A Non-Custodial Crypto Cards

    Non-custodial on Solana; USDC stays in your wallet until settlement; 4% JupUSD cashback.

    3.8/5 Cashback up to 4% €0
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22. 22
    ether.fi Cash

    C Non-Custodial Crypto Cards

    Spend-against-staked-ETH: spend without selling (tax-efficient).

    3.7/5 Cashback up to 3% €0
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23. 23
    THORWallet Card

    B Non-Custodial Crypto Cards

    Bank account NFT on Arbitrum; Swiss IBAN; 0% FX.

    3.7/5 €0
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24. 24
    MEXC x ether.fi Card

    B Non-Custodial Crypto Cards

    Self-custody: assets stay on-chain under the user's control until spent

    3.5/5 Cashback up to 4% €0
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25. 25
    Morse Card

    B Non-Custodial Crypto Cards

    Self-custody Solana wallet: the user keeps control of funds.

    3.5/5 €0
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26. 26
    Solflare Card

    B Non-Custodial Crypto Cards

    Solflare wallet on Solana (4.8/5 App Store); Google Pay; free SEPA reloads.

    3.5/5 €0
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27. 27
    Tuyo Card

    B Non-Custodial Crypto Cards

    Self-custodial on Base; Apple/Google Pay; DeFi vaults ~11% APY.

    3.5/5 €0
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28. 28
    XPlace Card

    B Non-Custodial Crypto Cards

    Borrow-to-spend: deposit SOL/ETH/BTC/USDT, earn yield, spend USDC; Visa; up to 4% cashback.

    3.5/5 Cashback up to 4% €0
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29. 29
    Xkard Essential

    C Privacy-Focused Crypto Cards

    Zero-Knowledge KYC; USDT BEP20/TRC20; privacy 8/10.

    3.3/5 €108
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30. 30
    Hana Card

    C Non-Custodial Crypto Cards

    Non-custodial: keys and funds stay in the Hana wallet.

    3.2/5 €0
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31. 31
    Avalanche Card

    B Non-Custodial Crypto Cards

    Self-custody: assets stay owned and custodied by the user on the Avalanche network

    3.0/5 €0
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32. 32
    Avvio Card

    B Privacy-Focused Crypto Cards

    Genuine self-custody: keys are managed via Turnkey MPC and remain exportable by the user

    3.0/5 €0
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33. 33
    BenPay Card

    B Privacy-Focused Crypto Cards

    Non-custodial: keys stay on-device, only the spending amount moves to the card

    3.0/5 €10
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34. 34
    Coin98 Fusion Card

    B Non-Custodial Crypto Cards

    Non-custodial model: spend assets directly from the Coin98 Super Wallet without giving up custody

    3.0/5 €0
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35. 35
    Decaf Card

    B Non-Custodial Crypto Cards

    Self-custody: funds stay in the Decaf wallet on Solana and you control the keys.

    3.0/5 €0
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36. 36
    Exa Card

    B Non-Custodial Crypto Cards

    Self-custody with biometric passkeys (Webauthn): no seed phrase, funds stay under user control on Optimism.

    3.0/5 €0
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37. 37
    Firma Card

    B Non-Custodial Crypto Cards

    Self-custodial: funds stay under the user's control via passkey or 12-word seed.

    3.0/5 €0
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38. 38
    Geme Card

    C Privacy-Focused Crypto Cards

    Non-custodial wallet: the user keeps control of keys and funds

    3.0/5 Cashback up to 2% €0
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39. 39
    Haven

    C Non-Custodial Crypto Cards

    Non-custodial self-custody with privacy-first by design: real-world spending and wallet never linked.

    3.0/5 €0
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40. 40
    HypurrFi Card

    B Non-Custodial Crypto Cards

    Non-custodial on-chain credit card: spend without selling, crypto stays on-chain as productive collateral

    3.0/5 €0
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41. 41
    imToken Card

    C Non-Custodial Crypto Cards

    Fully self-custodial: funds stay in the imToken wallet

    3.0/5 €0
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42. 42
    Karma Card

    B Non-Custodial Crypto Cards

    Self-custody: funds stay on-chain in the wallet until payment

    3.0/5 €0
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43. 43
    Kolo Card

    B Non-Custodial Crypto Cards

    Self-custody: assets stay in the user's multichain wallet until payment

    3.0/5 Cashback up to 2% €0
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44. 44
    Moto Card

    C Non-Custodial Crypto Cards

    Non-custodial: funds stay in smart-contract reserves on Solana and keep earning yield

    3.0/5 Cashback up to 5% €0
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45. 45
    NAKA Card

    B Non-Custodial Crypto Cards

    Self-custody: stablecoins stay in the user's wallet with on-chain settlement on Polygon

    3.0/5 €0
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46. 46
    Offramp Card

    B Non-Custodial Crypto Cards

    Self-custody: assets stay on-chain in the user's wallet until settlement

    3.0/5 €0
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47. 47
    Osmosis Pay

    C Non-Custodial Crypto Cards

    Self-custody until conversion: assets stay in your self-custodied Osmosis wallet until you fund the card

    3.0/5 €0
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48. 48
    Pyra Card

    B Non-Custodial Crypto Cards

    True self-custody: Pyra cannot access your balance until you authorize a transaction

    3.0/5 €0
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49. 49
    Ruvo Card

    C Non-Custodial Crypto Cards

    Non-custodial wallet: users control private keys, with on-chain settlement on Polygon

    3.0/5 €0
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50. 50
    Sana Card

    B Non-Custodial Crypto Cards

    Self-custody: assets stay owned and custodied by the user on the Solana network

    3.0/5 €0
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51. 51
    SatPay Card

    C Non-Custodial Crypto Cards

    Self-custody: BTC staking uses native timelocks on Core DAO, with no bridges or third-party custodians

    3.0/5 €0
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52. 52
    SecondFi Card

    C Non-Custodial Crypto Cards

    Self-custodial: funds stay in the user's wallet until payment, with on-chain settlement.

    3.0/5 €0
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53. 53
    Slush Card

    C Non-Custodial Crypto Cards

    Spend directly from the self-custody on-chain Sui balance without selling assets first.

    3.0/5 €0
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54. 54
    Solayer Emerald Card

    B Non-Custodial Crypto Cards

    Self-custody on Solana with on-chain USDC settlement on the global Visa network.

    3.0/5 Cashback up to 1% €0
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55. 55
    Solid Card

    C Non-Custodial Crypto Cards

    Self-custody: funds stay in SoUSD in the user's wallet until the transaction

    3.0/5 Cashback up to 3% €0
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56. 56
    Stealf Card

    C Non-Custodial Crypto Cards

    Self-custody model: the user holds the keys to the private wallet

    3.0/5 €0
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57. 57
    Tonhub Card

    B Non-Custodial Crypto Cards

    Non-custodial wallet: funds stay in a user-controlled smart contract until the charge settles

    3.0/5 €0
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58. 58
    TP Card

    B Non-Custodial Crypto Cards

    Self-custody model: the card is linked 1:1 to the on-chain wallet, crypto stays under user control

    3.0/5 €0
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59. 59
    Veil Card

    C Privacy-Focused Crypto Cards

    Non-custodial model with in-app privacy swaps and bridges for less traceable on-chain movements

    3.0/5 Cashback up to 5% €0
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60. 60
    xPortal Card

    B Non-Custodial Crypto Cards

    Non-custodial model: assets stay in the xPortal wallet whose keys you keep, while the card runs on Mastercard

    3.0/5 Cashback up to 0.5% €0
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61. 61
    Xverse Card

    C Non-Custodial Crypto Cards

    Stated self-custody model: company says it cannot freeze or access funds

    3.0/5 €0
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62. 62
    Zebec Card

    C Non-Custodial Crypto Cards

    Non-custodial model: funds stay in your wallet until loading.

    3.0/5 €0
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63. 63
    PayWide

    D Privacy-Focused Crypto Cards

    40+ crypto supported; no KYC; auth via wallet Web3; privacy 7/10.

    2.8/5 €0
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64. 64
    MXI Card

    C Non-Custodial Crypto Cards

    Self-custodial model: funds stay under the user's control.

    2.5/5 €0
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65. 65
    Cypher Card

    D Privacy-Focused Crypto Cards

    The wind-down is orderly and was announced in advance by the company, with withdrawals stated to be fee-free until 6 Sep 2026 — the opposite of the cards in this category that vanish without notice.

    2.0/5 Cashback up to 5% €0
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66. 66
    Machines Card

    C Non-Custodial Crypto Cards

    Non-custodial architecture: keys stay with the user, the app does not replace your wallet

    2.0/5 €0
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67. 67
    MPay Card

    C Non-Custodial Crypto Cards

    Self-custody with no KYC: connect your own wallet without identification for most users

    2.0/5 €0
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68. 68
    Neobankless Card

    C Non-Custodial Crypto Cards

    Self-custody on Solana: assets stay owned and custodied by the user

    2.0/5 €0
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69. 69
    Revuto Card

    C Non-Custodial Crypto Cards

    Linked wallet is non-custodial: the user keeps control of their own funds.

    2.0/5 Cashback up to 4% €0
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