Europe · Verified September 2026
The best crypto cards in Europe, read to the fine print.
Most comparison sites rank crypto cards by their biggest advertised number. We rank 13 cards by what you actually keep after caps, FX fees and token payouts — for where you live and how much you spend.
The calculator
What you’d actually keep
Most comparison sites rank cards by their biggest advertised rate. We rank them by net value at your spending level: cashback earned, minus FX, conversion and card fees — and only for cards you can actually get where you live.
In non-euro countries this includes local spending — lei, forint, krone, francs or pounds.
Only affects Krak, whose cashback depends on your average balance.
Net value per year, in euros. Assumes you spend from stablecoins or fiat — paying from BTC or ETH adds conversion spreads on most cards. Category bonuses and promotions aren’t counted. ether.fi’s USD cashback ladder is applied as an approximation. USD fees converted at about €0.90. An estimate, not financial advice — confirm terms with the issuer. How the calculator works.
The ledger
All crypto cards, side by side
Headline rates mean little until you subtract FX fees, spending caps and token risk. This is what each card looks like once you do.
| Card | Cashback | Paid in | Annual fee | FX fee | Custody | Type | Availability |
|---|---|---|---|---|---|---|---|
ether.fi Cash Our pick Visa · Score 9.1 |
3% to tier cap | USDC | $0 | 0% USD/EUR · 1% other | Self-custody | Credit | EU excl. NL, FI, EE, HU · UK · US · UAE |
Mastercard · Score 8.3 |
1% · 3% · 20% categories | USDC | $0 | 0% | Self-custody | Debit | EEA · Switzerland |
Mastercard · Score 8.2 |
2% (cap €50/mo) · 4–10% VIP | USDG | €0 | 0% · ≤0.1% conversion | Custodial | Debit | EU · Norway |
Mastercard · Score 8.1 |
1% · 3% Metal (paused) | mUSD | $0–199 | 1% cross-border (free tier) | Self-custody | Debit | EU · LATAM UK, US sign-ups paused |
Mastercard · Score 8.0 |
0–2% by balance | EUR / GBP / BTC | $0 | 0% (spread on crypto) | Custodial | Debit | EEA · UK |
Mastercard · Score 7.8 |
1% flat (2–10% VIP) | BTC / USDC | $0 | 0.5% + 0.9% conv. | Custodial | Debit | EEA excl. RO, IE, HR, NO |
Mastercard · Score 7.6 |
0.5–2% in credit mode | BTC / NEXO | $0 | 0% to limits | Custodial | Debit + Credit | EEA · UK |
Mastercard · Score 7.5 |
3% flat (Metal) | USDC | $120 Metal | 0% | Self-custody | Debit | No new cards · issuer switch |
Visa · Score 7.4 |
1% on crypto-funded spend | The asset you spent | €0 | 0% (trading spread on crypto) | Custodial | Debit | Euro area only |
Visa · Score 7.2 |
0–5% via Level Up | CRO | Subscription + CRO stake | 0% upper tiers | Custodial | Prepaid | 40+ EEA countries |
Visa · Score 7.0 |
0.5% · up to 8% with WPAY | USD rewards | $0 | 0% markup | Self-custody | Debit | Global · EEA · UK |
Mastercard · Score 6.4 |
Merchant offers only | EUR / fiat | €0 · €0.90–6.90/mo | 0.5% Free · 0% Platinum | Fiat only (EMI) | Debit | EEA · UK no crypto in UK |
Visa · Score 6.0 |
0% (3% Pro, capped) | — | $10 / $100 card | 1% + 1.2% | Custodial | Debit | 100+ countries · no MiCA |
Gnosis Pay Shutting down Visa · Delisted |
Ended Sep 30, 2026 | GNO | €30 once | 0% | Self-custody | Debit | Card ends Dec 20, 2026 |
Scores out of 10. Coinbase Card pays no rewards to EU cardholders and Binance left the EEA in 2023, so neither is ranked. Verified September 26, 2026 — always confirm on the issuer’s site.
The reviews
13 cards scored, one delisted
Every review lists what the marketing page won’t — including on the cards we earn a commission from.
3% back in USDC while your ETH keeps earning. A non-custodial credit card with no annual fee.
MiCA-licensed, self-custodial Mastercard with 0% FX and cashback in USDC. The natural Gnosis Pay replacement.
A MiCA-licensed exchange card paying 2% in USDG with no FX fee, capped at €50 a month unless you trade enough for a VIP tier.
Spend straight from the wallet you already use. 1% back in the mUSD stablecoin on the free card.
Kraken’s card: an Irish MiCA licence, no fees on fiat spending, uncapped cashback tied to your balance.
MiCA-licensed exchange card paying a flat 1% for most users since August 2026. Not offered in Romania.
Borrow against your crypto instead of selling it. The value is the credit line, not the cashback.
Flat 3% in USDC with 0% FX on the $120 Metal tier, but new cards cannot be ordered while Ready switches issuer.
A free Visa from a Maltese e-money issuer: 1% back in whatever crypto you spent, 0% FX, but only for euro-area residents.
Still the perks king, but rewards now need a paid plan and a 12-month CRO stake.
Rebuilt in 2026 as a self-custodial stablecoin app. Free 0.5% tier; higher rates depend on the WPAY token.
A Lithuanian e-money account with a Mastercard: 0.5% FX on the free plan, cashback only at partner shops, and crypto as an on-ramp rather than a balance.
Huge limits and global reach, but no base cashback and about 2.2% in fees on foreign-currency spending.
The consumer card shuts down on December 20, 2026. Funds in your Safe stay accessible.
The changelog
What changed, and when
Crypto cards change terms constantly. Every material change we catch is logged with its date, so you can see how current this page really is.
KAST checked and not ranked
Fees are published, but the operator is a Comoros company that takes ownership of deposited crypto, the issuer is unlicensed in the EU, and supported countries are unpublished. Listed under cards we don’t rank. Details
Added Bitpanda Card
Free Visa from a Maltese e-money issuer with 1% cashback in the crypto you spend and 0% FX, but euro-area residents only and an unpublished trading spread. Enters at Nº 9. Details
Added OKX Card
OKX’s EEA card enters at Nº 3: 2% in USDG with no card or FX fees, capped at €50 a month, Monavate-issued under a MiCA-licensed programme. MetaMask and everything below move down one place. Details
Sovrae checked and not ranked
Prepaid USD card sold on anonymity: no published transaction or FX fees, an unnamed issuer in its own terms and no licence. Listed under cards we don’t rank on the methodology page. Details
How we score
Methodology, in the open
What you keep, not what’s advertised
We subtract FX fees, conversion spreads, caps and annual fees from the headline rate. A card paying 6% with a $250 fee is a subscription, not cashback.
Who actually holds your money
Self-custodial designs score higher. For custodial cards we weigh licensing — a MiCA registration you can check — track record and how easily you can exit.
Legal terms, not landing pages
Where marketing and cardholder agreements disagree, we print both and budget for the worse number. Every card is re-verified monthly.
Questions