Top 10 crypto cards of 2026: where to store and spend crypto profitably

This year is when cryptocurrencies finally ceased to be exotic and occupied a niche between banking and investments. This is happening against the backdrop of the US legalizing stablecoins and seriously discussing the potential of a Bitcoin fund at the state level, while other countries are following the trend and working on regulatory laws. 

This is no longer just a toy for enthusiasts and speculators, but a new class of products that allows you to store your savings as easily as euros in a regular bank and pay where it was previously impossible. Crypto cards have become a key link in this process and a point of entry into the digital world of payments – a bridge between crypto and fiat.

In this review: a look at the ten best crypto cards that will be relevant in 2026. 

1. Trustee Plus. 

A new generation cryptocurrency service based on a simple idea – to enable people to buy “coffee with crypto” as easily as with a regular bank card. To this end, the Trustee team, led by Vadym Grusha, offers a card with 0% fees on payments and 0% on cryptocurrency top-ups from your wallet balance. In addition, the service supports euros and other fiat currencies, exchanges, and IBAN transfers in a single mobile app.

1. ByBit Card. 

A card from one of the largest international crypto exchanges, which means that transactions are paid directly from the user's balance (the “Funding” account). The same account is used for investments in the exchange's crypto pools, allowing you to manage your finances and earn passive income from them. The card offers 2% cashback, and the commission is 1% for fiat exchange, 0.9% for crypto, and 2% for withdrawals.

1. Nexo Card. 

A landing platform card that provides access to a credit line – the customer pledges digital assets as collateral and receives EUR for settlements. This increases management flexibility but requires more attention and experience – many of Nexo's services are aimed specifically at professional traders and investors. The transaction fee starts at 0.2%, but increases outside the EU and on weekends. The terms also depend on the account level – the higher it is, the more profitable the transactions are.

1. CL Card.

 A card supported by Ledger but issued by their partner Baanx. The hardware wallet provides secure storage of assets but requires funds to be transferred to a special account before card payments can be made. This means that replenishment requires blockchain fees to be paid, so the card's terms depend on the currency selected. The fees starts at 2%, and withdrawing funds through a bank will cost from 3.49%.

1. OKX Card. 

Another card from a cryptocurrency exchange that combines them and other elements into a single ecosystem – all transactions go through a single account, and the card supports all of the exchange's assets. The OKX card offers favorable terms with “no hidden costs”, which at first glance seems too good to be true. But it's not magic: the exchange compensates for expenses with the spread between the actual and exchange prices, with some of the costs covered by partners and some by the trading platform's fees.

1. Utorg. 

A card from a decentralized wallet registered in Lithuania and licensed by the European Union. For the initial period (up to 30 days), the commission on all transactions will be 0%, while further terms and conditions of the service should be clarified with customer support. All terms and limits depend on the verification level – there are four levels, ranging from “no documents” to “passport + place of residence + source of funds + biometrics”. At the first level, the daily transaction limit is EUR 150.

1. Gate Card. 

A debit card from the Gate exchange, whose balance is linked to your exchange account. It is issued in EU countries and offers the best terms there – transactions outside the European zone are subject to an additional commission of 0.2% to 2%. New users are offered 2% cashback on transactions and zero commission on withdrawals in EU countries during the first month.

1. Crypto.com. 

Another project from a major crypto exchange that offers several cards of different levels—the rate depends directly on the number of CRO tokens in the account: from basic to premium, which opens up access to increased cashback, better conditions, and unique bonuses (discounts on streaming, access to airport lounges). Commissions are not disclosed and vary depending on the country.

1. Gnosis Pay. 

Another Euro debit card that combines 0% commission on digital asset settlements and exchanges with decentralized wallet support. It offers up to 5% cashback in GNO tokens + 1% for NFT platform holders and manual setting of daily transaction limits to control your spending.

1. Wirex Card. 

The Wirex financial platform's crypto card is linked to the user's account. It supports around 150 cryptocurrencies and fiat assets, which can be used to pay for goods worldwide wherever Visa or MasterCard are accepted. There is cashback of up to 8% and free ATM withdrawals of up to $200 per day in any country. A credit line is also available subject to overcollateralization (190% collateral).

In the 2023 ranking by Incrypted, Eastern Europe's largest crypto media outlet, many of these crypto cards also occupy the top spots, proving their reliability over at least the last three years. A cryptocard from Trustee Plus ranks first in that ranking.

Disclaimer: This is a sponsored article and is for informational purposes only. It does not reflect the views of Crypto Daily, nor is it intended to be used as legal, tax, investment, or financial advice.