Best zero-fee crypto cards 2026
Ranking updated August 2026 · 87 verified services
Ranked by editorial rating — placement is never for sale
Cards with no annual fee and no FX markup: the lowest possible fixed cost, ranked by editorial rating.
The top pick is MetaMask Card (rated 5.0/5), with real cashback up to 3%.Kraken Krak Card and Coinbase One Card (AmEx) follow. Verified data, with a source for every entry.
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1
Cashback up to 3% €0
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2
Kraken Krak CardS Crypto Exchange Cards
Zero explicit fees, 0% FX markup, quarterly PoR — the most transparent card in Europe.
Cashback up to 2% €0 -
3
Coinbase One Card (AmEx)S Crypto Exchange Cards
The only crypto credit card on the American Express network
Cashback up to 4% €50 -
4
Chime CardA Crypto Credit Builder Cards
Completely free; no credit check; no interest; no utilization reporting; 47K+ free ATMs.
Cashback up to 5% €0 -
5
Cashback up to 5% €0
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6
Cashback up to 4% €0
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7
Cashback up to 5% €0
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8
Ready Card (Argent)A Non-Custodial Crypto Cards
Self-custodial on Starknet; session-key architecture; near-zero gas.
Cashback up to 3% €0 -
9
Self Visa Credit CardA Crypto Credit Builder Cards
Builds credit and savings simultaneously; no credit check; unique mechanism.
€0 -
10
Cashback up to 1% €0
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11
Altitude CardB Non-Custodial Crypto Cards
Self-custodial: Squads states it does not take custody of funds (balances in stablecoins)
Cashback up to 2% €0 -
12
Bitget Wallet CardA Crypto Exchange Cards
80M+ users; multi-chain USDT/USDC; Apple/Google/LINE Pay.
€0 -
13
Cashback up to 2% €0
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14
DeblockA Non-Custodial Crypto Cards
Europe's first on-chain bank; French IBAN; SEPA Instant; 4% Premium yield.
Cashback up to 1% €0 -
15
Fuse CardB Non-Custodial Crypto Cards
Genuine self-custody: Squads smart accounts on Solana, the user remains the sole signer of funds
€0 -
16
Lava CardA Non-Custodial Crypto Cards
Cashback paid in Bitcoin (up to 5% at partner merchants, 3% in the US on every purchase)
Cashback up to 5% €0 -
17
Cashback up to 5% €0
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18
Rebind CardB Non-Custodial Crypto Cards
Self-custodial: funds stay in the user's Safe smart account, Rebind cannot move them
Cashback up to 5% €0 -
19
Robinhood Gold CardB Crypto Credit Builder Cards
Uncapped 3% cash back on everything (5% on portal travel), unusually high for a flat-rate card
Cashback up to 3% €46 -
20
Cashback up to 1.5% €0
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21
Spritz CardB Non-Custodial Crypto Cards
Direct funding from a self-custody wallet supporting 50,000+ tokens across many chains
Cashback up to 5% €0 -
22
€0
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23
Upgrade CardB Crypto Credit Builder Cards
APR from 14,99% (low for the settore); 3% cashback; no annual fee; 0% FX.
Cashback up to 3% €0 -
24
Zeal CardA Non-Custodial Crypto Cards
Self-custody white-label on Gnosis Pay; 0% FX; up to 5% GNO cashback.
Cashback up to 5% -
25
Exodus Spend CardB Non-Custodial Crypto Cards
Non-custodial delegation model; 0% FX; 30+ countries; Apple/Google Pay.
€0 -
26
ether.fi CashC Non-Custodial Crypto Cards
Spend-against-staked-ETH: spend without selling (tax-efficient).
Cashback up to 3% €0 -
27
€0
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28
dtcpay Digital Treasures CardB Crypto Exchange Cards
Issued by a MAS Singapore-licensed Major Payment Institution
€0 -
29
KuCard (KuCoin)B Crypto Exchange Cards
Available in the EEA/Italy; up to 3% KCS cashback (with staking); Visa.
Cashback up to 3% €0 -
30
Cashback up to 2% €0
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31
Cardano CardB Crypto Exchange Cards
Spend ADA and 685+ crypto anywhere Visa is accepted, built into the Wirex app.
Cashback up to 8% €0 -
32
Morse CardB Non-Custodial Crypto Cards
Self-custody Solana wallet: the user keeps control of funds.
€0 -
33
Uphold CardB Crypto Exchange Cards
300+ crypto, metals and 35+ fiat; real-time Proof of Reserves; Elite US with 0% FX.
Cashback up to 4% €0 -
34
XPlace CardB Non-Custodial Crypto Cards
Borrow-to-spend: deposit SOL/ETH/BTC/USDT, earn yield, spend USDC; Visa; up to 4% cashback.
Cashback up to 4% €0 -
35
Laso FinanceC Privacy-Focused Crypto Cards
Activate with email or self-custodial wallet only (no ID upload)
€0 -
36
Leading CardC Privacy-Focused Crypto Cards
50+ available BINs; no KYC; 3DS support; designed for digital marketing.
€0 -
37
Avvio CardB Privacy-Focused Crypto Cards
Genuine self-custody: keys are managed via Turnkey MPC and remain exportable by the user
€0 -
38
Coin98 Fusion CardB Non-Custodial Crypto Cards
Non-custodial model: spend assets directly from the Coin98 Super Wallet without giving up custody
€0 -
39
€0
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40
Cashback up to 5% €0
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41
Decaf CardB Non-Custodial Crypto Cards
Self-custody: funds stay in the Decaf wallet on Solana and you control the keys.
€0 -
42
DeCardB Crypto Exchange Cards
Strong regulatory framing: MAS-regulated DCS issuer, settlement via licensed DPT providers and Standard Chartered as banking partner
Cashback up to 10% €0 -
43
Fasset CardC Crypto Exchange Cards
Up to 6% cashback in Tether Gold (XAUT), LBMA physical gold vaulted in Switzerland
Cashback up to 6% €0 -
44
Cashback up to 5% €0
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45
HavenC Non-Custodial Crypto Cards
Non-custodial self-custody with privacy-first by design: real-world spending and wallet never linked.
€0 -
46
€0
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47
Moto CardC Non-Custodial Crypto Cards
Non-custodial: funds stay in smart-contract reserves on Solana and keep earning yield
Cashback up to 5% €0 -
48
SatPay CardC Non-Custodial Crypto Cards
Self-custody: BTC staking uses native timelocks on Core DAO, with no bridges or third-party custodians
€0 -
49
SecondFi CardC Non-Custodial Crypto Cards
Self-custodial: funds stay in the user's wallet until payment, with on-chain settlement.
€0 -
50
Slush CardC Non-Custodial Crypto Cards
Spend directly from the self-custody on-chain Sui balance without selling assets first.
€0 -
51
Stealf CardC Non-Custodial Crypto Cards
Self-custody model: the user holds the keys to the private wallet
€0 -
52
TP CardB Non-Custodial Crypto Cards
Self-custody model: the card is linked 1:1 to the on-chain wallet, crypto stays under user control
€0 -
53
Trustee Plus CardB Crypto Neobanks
Virtual Visa card ready for Apple Pay/Google Pay, no annual fee and 0% FX markup
Cashback up to 2% €0 -
54
Utorg CardC Crypto Exchange Cards
Non-custodial model: keys and crypto stay under the user's control
€0 -
55
Veil CardC Privacy-Focused Crypto Cards
Non-custodial model with in-app privacy swaps and bridges for less traceable on-chain movements
Cashback up to 5% €0 -
56
WaldenPayC Privacy-Focused Crypto Cards
Privacy-focused; no KYC; minimal cookie policy; Telegram support.
€0 -
57
xPortal CardB Non-Custodial Crypto Cards
Non-custodial model: assets stay in the xPortal wallet whose keys you keep, while the card runs on Mastercard
Cashback up to 0.5% €0 -
58
Xverse CardC Non-Custodial Crypto Cards
Stated self-custody model: company says it cannot freeze or access funds
€0 -
59
Zebec CardC Non-Custodial Crypto Cards
Non-custodial model: funds stay in your wallet until loading.
€0 -
60
€0
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61
Zoomex CardB Crypto Exchange Cards
Dedicated multi-currency IBAN with native settlement in USD, EUR, CHF and more
€0 -
62
€0
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63
PayWideD Privacy-Focused Crypto Cards
40+ crypto supported; no KYC; auth via wallet Web3; privacy 7/10.
€0 -
64
Antarctic Wallet CardC Privacy-Focused Crypto Cards
Virtual Mastercard with fast QR payments and Telegram bot access.
€0 -
65
Cashback up to 4% €0
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66
€0
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67
€0
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68
€0
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69
Cashback up to 3% €3,337
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70
€0
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71
Axiome Pay CardC Crypto Exchange Cards
Wide range of virtual and physical cards (Visa and Mastercard) accepted in 170+ countries
€20 -
72
BipTap CardD Crypto Exchange Cards
Cashback up to 5% on higher tiers and a free virtual card on the Lite plan
Cashback up to 5% €0 -
73
Bit.Store CardC Crypto Exchange Cards
No-KYC Mastercard virtual card, quick to activate and usable with Apple Pay and Google Pay
€0 -
74
BONKx CardC Crypto Exchange Cards
Visa Infinite network with global acceptance at 150M+ merchants in 150+ countries
€0 -
75
CoinUp CardC Crypto Exchange Cards
Broad global acceptance (Mastercard, 110M+ merchants, 170+ countries)
€0 -
76
Cashback up to 1% €0
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77
Kardpay CardC Crypto Exchange Cards
Instant virtual issuance on the Mastercard network, with Apple Pay and Google Pay
€26 -
78
KazePay CardC Crypto Neobanks
Wide acceptance: Visa/Mastercard in 210+ countries, instant virtual card + Apple/Google Pay
€23 -
79
Machines CardC Non-Custodial Crypto Cards
Non-custodial architecture: keys stay with the user, the app does not replace your wallet
€0 -
80
MPay CardC Non-Custodial Crypto Cards
Self-custody with no KYC: connect your own wallet without identification for most users
€0 -
81
€0
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82
OG CardC Crypto Neobanks
Virtual and physical Visa card accepted at 130M+ merchants, with Apple Pay and Google Pay
€0 -
83
Revuto CardC Non-Custodial Crypto Cards
Linked wallet is non-custodial: the user keeps control of their own funds.
Cashback up to 4% €0 -
84
Cushion AID Crypto Credit Builder Cards
Trustpilot 4.8/5; AI-powered; built credit without a new card; bill-history analysis.
€60 -
85
NexasCardD Privacy-Focused Crypto Cards
Absolute zero KYC; XMR (Monero) support; Apple/Google/Samsung Pay.
€0 -
86
€0
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87
Extsy CardF Crypto Exchange Cards
Virtual card on the Visa network with announced Apple Pay and Google Pay support
€0
Frequently asked questions
Are there crypto cards with no fees?
Yes: this list gathers cards with no annual fee and no FX markup (0% FX). Occasional costs such as ATM withdrawals or issuance may remain and are always shown on each card’s page.
What is the FX markup and why does it matter?
It’s the percentage the card keeps on every purchase in a currency other than yours. In our catalog it ranges from 0% up to 6%: on frequent foreign spending it weighs more than cashback. The cards in this list have 0% FX.
Is a zero-fee or a cashback card the better deal?
For modest spending or lots of travel the zero-fee card usually wins: no fee and 0% FX beat a high cashback tied to staking and caps. For very high spending, cashback may win.