Cryptocurrency is no longer just an investment tool—it’s transforming how we make everyday transactions. Crypto cards bridge the gap between your digital assets and traditional financial systems, making it easier than ever to spend your cryptocurrencies in the real world. Whether you're a seasoned crypto enthusiast or new to the digital asset space, a crypto card offers convenience, flexibility, and even rewards.

In this article, we’ll explore the benefits of crypto cards, how they work, and what to look for when choosing the right one.

Table of contents:

• Maximize your crypto game with the top crypto cards
• Benefits of using crypto cards
• Understanding crypto cards
• Top crypto cards in the market
• The new kid in town everybody wants: the xPortal card
• How to apply for a crypto card
• Security measures for crypto cards
• Conclusion: the future of crypto cards

Benefits of using crypto cards

Crypto cards bring many advantages to the table, making them highly attractive for users who want to integrate their crypto into everyday spending. Here are the key benefits:

• Convenience and flexibility: Crypto cards allow you to convert cryptocurrencies like Bitcoin, Ethereum, or EGLD into fiat currencies, such as the US dollar or Euro. This flexibility enables you to spend your digital assets just like traditional currencies, whether shopping online or at physical stores.
• Security and privacy: Many crypto cards come with enhanced security features such as two-factor authentication (2FA) and biometric verification, ensuring that your funds are protected. Some also offer the ability to freeze/unfreeze cards via mobile apps, adding an extra layer of security.
• Rewards and cashback: Several crypto cards offer rewards programs that give cashback in cryptocurrency or discounts on purchases. These rewards can vary from small cashback percentages to perks like travel discounts.
• Global acceptance: Crypto cards can be used worldwide, wherever Visa or Mastercard is accepted, making them ideal for frequent travelers. 
• Portfolio management: Some cards offer tools for tracking and managing your crypto portfolio, which is useful for those holding multiple digital assets.

Understanding crypto cards

Crypto cards come in two main types: crypto debit cards and crypto credit cards. Here’s how they differ:

• Crypto debit cards: These work like traditional debit cards. They’re linked to your crypto wallet, allowing you to top up from your crypto or spend your crypto in real-time by converting it into fiat currency at the point of sale. Debit cards are ideal for users who want to access their crypto for daily purchases.
• Crypto credit cards: These function like traditional credit cards, allowing you to borrow against a fiat or crypto balance. They offer similar rewards to regular credit cards, such as cashback and discounts, but they may also allow you to use your crypto as collateral for credit. However, they’re not as common as debit cards and may involve stricter approval processes.

Top 7 crypto cards in the market

Here’s a look at some of the top crypto cards available today. While there are many options, we’ll focus on the most relevant and secure choices that are currently leading the market.

1. Coinbase Card

The Coinbase Card is a crypto debit card offered by Coinbase, one of the most popular cryptocurrency exchanges globally. With this card, users can easily spend their digital assets directly from their Coinbase account. The card supports a range of cryptocurrencies, including Bitcoin, Ethereum, Litecoin, and others. Additionally, it offers cashback rewards of up to 4%, allowing users to earn crypto while spending it. While the card is free to order, non-US users face a 2.49% transaction fee on purchases. The Coinbase Card is available in the US and select European countries, making it a convenient option for those already using the Coinbase platform.

2. Crypto.com Visa

The Crypto.com Visa Card stands out for its generous rewards program, offering cashback of up to 8% depending on the card tier. Crypto.com users can choose from multiple card levels, each with its own staking requirements and benefits. The card supports over 20 cryptocurrencies, including Bitcoin, Ethereum, and the platform’s native CRO token. Users enjoy benefits such as airport lounge access and exclusive discounts, depending on the card tier they choose. While there are no annual fees for the base card, higher-tier cards require staking CRO tokens. The Crypto.com Visa is widely accepted globally, making it an attractive option for users who want to maximize their crypto rewards.

3. Bybit Card

The Bybit Card is designed for users of the Bybit exchange, offering a simple and effective way to spend cryptocurrencies. This debit card is linked directly to the user’s Bybit wallet, allowing for instant crypto-to-fiat conversion at the point of sale. The Bybit Card supports major cryptocurrencies like Bitcoin, Ethereum, and USDT, with cashback rewards of up to 1%. While it doesn't offer the extensive rewards program of some competitors, the card is free to order and has no annual fees. Available in select regions, the Bybit Card offers a straightforward solution for Bybit users who want to spend their crypto with ease.

4. Nexo Mastercard

The Nexo Mastercard offers a unique blend of traditional financial services and cryptocurrency spending. Nexo users can borrow against their crypto holdings and spend fiat without selling their assets. The card provides up to 5% cashback on all purchases, making it a great option for those who want to earn rewards while maintaining their crypto portfolio. There are no monthly or annual fees, and the Nexo Mastercard supports a variety of cryptocurrencies, including Bitcoin, Ethereum, and the native NEXO token. The card is available primarily in Europe, making it a popular choice for users looking to leverage their crypto for both spending and rewards.

5. Gnosis Pay Card

The Gnosis Pay Card is one of the first crypto cards fully integrated with a decentralized blockchain, the Gnosis Chain. It enables users to spend Gnosis Chain assets like GNO and DAI directly in the real world. Though the card doesn’t offer cashback rewards, it does provide a unique experience for those deeply embedded in the Web3 ecosystem. With low transaction fees and deep integration with decentralized finance (DeFi) platforms, the Gnosis Pay Card is ideal for users who prefer decentralized solutions over traditional banking. However, it is currently available in limited regions, with a focus on Europe.

6. Wirex Card

The Wirex Card is a popular choice for users who want to spend crypto and earn rewards. It supports multiple cryptocurrencies, including Bitcoin, Ethereum, and Litecoin, and allows users to convert their digital assets into fiat currencies instantly at the point of sale. The Wirex Card also offers cashback rewards in the form of Bitcoin, known as Cryptoback™, where users can earn up to 2% on in-store purchases. With no monthly fees and low transaction costs, Wirex provides a user-friendly experience. The card is available in Europe and parts of the Asia-Pacific region.

7. Gemini Card

The Gemini Credit Card offers users the ability to earn rewards in cryptocurrency for everyday purchases. The card supports multiple cryptocurrencies, including Bitcoin, Ethereum, and Gemini Dollar (GUSD), giving users the flexibility to earn crypto rewards of up to 3% on dining, 2% on groceries, and 1% on all other purchases. There are no annual fees, and rewards are credited instantly in real-time, making it an attractive option for those looking to accumulate crypto through everyday spending. The Gemini Credit Card is widely accepted in the US.

The new kid in town everybody wants: the xPortal card

The xPortal card is designed to make your crypto transactions as simple and rewarding as possible. Whether you're using EGLD, BTC, ETH, SOL, MATIC, or any of the 18 supported assets, the xPortal card offers a seamless way to bring your crypto to life. Read more about the top-up options available here.

Here are some key features of the xPortal card:

• Multi-currency support: You can top up the card with multiple cryptocurrencies across chains like MultiversX, Bitcoin, Ethereum, Solana, Polygon and more, converting them into fiat currencies for use in the real world.
• Unlimited daily spending: Spend without constraints and enjoy the ultimate freedom
• Cashback and rewards: Earn up to 5% cashback on purchases, making spending as rewarding as earning.
• Upcoming features: With the xPortal card, users can expect future features like European IBANs, peer-to-peer payments and multi-currency account options, giving you even more control over your finances.

Upcoming subscription-based plans will offer perks like: Spotify, Netflix, Global airports lounge access, Global Airport FastTrack, Global data roaming, Travel insurance, and other MultiversX perks.

With its sleek design, seamless integration with the xPortal app, vast variety of top-up options, perks, and competitive fees, the xPortal card is the ideal choice for anyone looking to level up their crypto game.

How to apply for a crypto card

Applying for a crypto card is relatively straightforward, though the process may differ slightly depending on the provider. Here’s a general guide to help you get started:

1. Research: Start by comparing different crypto card options, paying attention to their features, fees, and supported cryptocurrencies. Determine which card best suits your needs.
2. Sign up: Visit the provider’s website and sign up for an account. You’ll need to go through an identity verification process, which usually involves submitting documents like an ID and proof of address.
3. Apply for the card: Complete the application, providing the necessary details. Once approved, your card will be shipped to you.
4. Fund your account: After verification, fund your account by transferring your cryptocurrencies to the card provider's wallet.
5. Start spending: Don’t spend it all in one place 😜

Security measures for crypto cards

Security is a critical factor when choosing a crypto card. While most crypto cards offer standard security features, it’s important to ensure that your provider offers the following:

• Two-factor authentication (2FA): This is a must-have for securing your account. It requires an extra verification step to access your account, making it harder for hackers to breach.
• Real-time alerts: Many cards offer real-time notifications for each transaction, allowing you to quickly spot any suspicious activity.
• Freeze/unfreeze options: If your card is lost or stolen, the ability to instantly freeze it via the app adds a layer of protection.

With the xPortal app, you can easily manage these security features and enjoy peace of mind while spending your crypto. Download xPortal and 

The future of crypto cards

As cryptocurrencies continue to gain traction, the use of crypto cards is expected to grow. They offer unparalleled convenience, flexibility, and rewards, making them an essential tool for anyone looking to integrate digital assets into their daily spending.

The xPortal card stands out with its multi-currency support, cashback rewards, and strong security measures. It’s more than just a card—it’s a gateway to managing both your crypto and traditional financial needs in one place. So why wait? Download xPortal, order your xPortal card today and take full control of your digital assets!