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Crypto card guide

Crypto cards with no FX fee

A foreign exchange fee is charged every time the card converts one currency into another, which for most people means every purchase made outside the currency the card holds. A network or a bank will normally take 1% to 3% for that conversion, and it applies whatever the card pays in cashback. The cards below publish a rate of zero. Where a provider publishes no FX figure at all, the card is not on this page: an unknown rate is not a free rate.

What a crypto card with no FX fee actually costs you

Zero foreign exchange is only a saving if you spend outside your home currency, and it is worth exactly nothing if you never do. Read it against the two fees that apply either way: the annual fee and the top-up fee, both listed per card above. A card with no FX fee and a 3% top-up fee still costs you on every payment, while a card charging 1% FX and nothing else is cheaper for anyone spending at home. A zero FX fee is worth having, but it does not make one of these cards the right card on its own.

The 43 cards that match

Crypto cards with no FX fee
CardNetworkFormKYCAnnual feeIssuanceTop-upCashbackATM limitWalletsIn the US
Avici CardVisaVirtual, PhysicalRequiredFree$10—0%——Yes
Bitpanda CardVisaVirtual, PhysicalRequiredFreeFreeFree1%EUR 500 · dailyApple Pay, Google PayNo
Bitrefill CardVisaVirtual—FreeFree—1-2%—Google PayNo
CEX.IO CardMastercardVirtual—FreeFree—0%—Apple Pay, Google PayNo
CryptoCash CardMastercardVirtual, Physical—Free$75—0%—Apple Pay, Google PayYes
PokePay CardVisaVirtual, Physical—Free$5—0%——No
Spritz CardVisaVirtual, Physical—FreeFree—0%—Apple Pay, Google PayYes
THORWallet cardMastercardVirtualRequiredFreeFree—0%—Apple Pay, Google PayNo
CoinW CardVisaVirtual, PhysicalRequiredFreeFree2%0%—Apple Pay, Google PayNo
Crydit Crypto CardVisaVirtual, Physical—Free$249—0%—Apple PayYes
CryptoLife Card MastercardVirtual, Physical—Free$5—1-2%—Apple Pay, Google PayNo
Deblock CardVisaVirtual, Physical—FreeFree—0.1-1%—Apple Pay, Google PayNo
Fuse CardVisaVirtualRequiredFreeFree—0%—Apple PayYes
Krak CardMastercardVirtual, PhysicalRequiredFreeFree—0-2%—Apple Pay, Google PayNo
Exactly Visa CardVisaVirtual, PhysicalRequiredFreeFreeFree1%$500Apple Pay, Google PayNo
Exodus Spend CardVisaVirtual—FreeFree—0%—Apple Pay, Google PayNo
Kardpay CardMastercardVirtual—Free$295%0-2%$1,500 · daily—Yes
Kolo CardMastercard, VisaVirtualRequiredFreeFreeFree0-2%$500 · per withdrawalApple Pay, Google PayNo
IZIPAY Virtual Crypto CardVisaVirtualNot requiredFree$49.993%——Apple Pay, Google PayYes
Nebeus CardMastercardVirtual, PhysicalRequiredFreeFree—0%EUR 2,000Apple Pay, Google PayNo
Pay3 CardVisa, MastercardVirtual, PhysicalRequiredFreeFree—0%—Apple Pay, Google PayYes
Pintopay CardVisaVirtualNot requiredFree$152.5%0%—Apple Pay, Google PayYes
Ready CardMastercardPhysicalRequiredFreeFreeFree0.5-3%$500—No
Rebind CardVisaVirtualRequiredFreeFreeFree1-5%—Apple Pay, Google PayNo
Ripio CardVisaVirtual, Physical—FreeFree—0.5-4%—Apple Pay, Google PayNo
Solid CardVisaVirtualRequiredFreeFreeFree2-5%$2 · 3-day periodApple Pay, Google PayYes
The X Bank CardVisa, MastercardVirtual, Physical—Free$200—0-0.8%—Apple Pay, Google PayNo
Tonhub CardVisaVirtual—FreeFree—0%—Apple Pay, Google PayNo
Trade Republic CardVisaVirtual, Physical—Free$5—1-2%EUR 100 · per withdrawalApple Pay, Google PayNo
Trustee Plus Crypto CardMastercardVirtual, PhysicalRequiredFree$10—0%—Apple Pay, Google PayNo
Uphold CardVisa, MastercardVirtual, Physical—Free$4.99—1-6%—Apple Pay, Google PayYes
Utorg Crypto CardMastercardVirtual—FreeFree—0%—Apple Pay, Google PayNo
Veera CardVisaVirtual, PhysicalRequiredFreeFree———Apple Pay, Google PayYes
Xapo CardVisaVirtual, PhysicalRequiredFreeFreeFree0.2-1.1%$1,000Apple Pay, Google PayNo
Wirex CardMastercardVirtual, PhysicalRequiredFreeFree1%0.5-8%EUR 5,000Apple Pay, Google PayNo
Airtm USD Virtual Prepaid CardVisaVirtualRequiredFreeFree1%0%FreeApple Pay, Google PayYes
XPlace CardVisaVirtual, PhysicalRequiredFreeFree2%0-2%—Apple Pay, Google PayYes
Offramp Spend CardVisaVirtual, Physical—FreeFree—0%—Apple Pay, Google PayYes
Coinbase CardVisaVirtual, PhysicalRequiredFreeFree2.49%0.5-4%$1,000 · dailyApple Pay, Google PayYes
xPortal CardMastercardVirtual, PhysicalRequiredFreeFree—0.1-0.5%EUR 500Apple Pay, Google PayNo
Zebec CardMastercardVirtual, Physical—$12$8—0%—Apple Pay, Google PayYes
CoinZoom CardVisaVirtual, PhysicalRequiredFree$101.99%0.5-5%$1,000Apple Pay, Google PayYes
Bleap Crypto CardMastercardVirtual, PhysicalRequiredFreeFreeFree1-20%$400Apple Pay, Google PayNo

Fee, limit and KYC data was last updated 2026-10-02. Every value comes from the provider dataset bit.pizza maintains, and a dash means the dataset holds no value rather than that the fee is zero.

Which one to start with

Bleap Crypto Card costs nothing to keep. That is the floor on the one cost you pay whether you use the card or not, so it is the sensible starting point. It is not a recommendation: read its own page for the conversion fee, the ATM limit and whether the provider issues to you at all.

Common questions

What is an FX fee on a crypto card?

It is the fee for converting your balance into the currency the merchant wants, charged when the transaction settles in a currency other than the one you funded the card with. It applies to the whole transaction, not to a part of it, and it is usually shown as a percentage of the amount.

Why is my cashback lower than the advertised rate?

Because the advertised rate is what the provider pays and the FX fee is what the network and provider take before it. A card paying 3% cashback with a 1.5% FX fee nets you 1.5% on foreign spending, which is why both figures belong on the same row.

Does a zero FX fee mean the card is free?

No. It means one specific fee is zero. The annual fee, the issuance fee, the top-up fee and the ATM fee are separate charges and each is listed separately on every card page.

Read the full card data

Every card has its own page, with every field filled in and the alternatives worth weighing it against.

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