What Is a Crypto Card and Should You Use One?

With more and more people jumping on the bandwagon with Bitcoin and other cryptocurrencies by the day, it was only a matter of time before new ways to use those currencies surfaced. Crypto cards are among the most promising of these options, but many people are still trying to determine whether they’re a good fit for their needs. Here’s a closer look at what you need to know to make an informed decision for yourself.

What Is a Crypto Card?

Cryptocurrency cards are actually very similar to standard bank-issued debit cards. Like debit cards, crypto cards give you a simple, easy way to use your funds to pay for everyday expenses. Also, like debit cards, crypto cards are plastic cards that allow cryptocurrency users to leverage the credit card infrastructure that’s already out there.

Millions of merchants worldwide accept plastic payment options like Mastercard or Visa debit cards, and most consumers are very comfortable using them by now. Crypto cards offer a similarly seamless way for merchants to accept cryptocurrency as payment for goods or services. In fact, a particular cashier probably wouldn’t even know you just paid for your gas or groceries with cryptocurrency.

Are There Different Types of Cards?

As with debit cards, there are two major types of crypto cards out there. The first is the prepaid variety. Prepaid crypto card users decide how many Bitcoins or other currency units of their choice they’d like to spend. The card issuer converts the currency into the equivalent amount of fiat money and loads it onto the card. At that point, the card can be used as easily as any other payment card.

The second type of crypto card works more like a standard bank debit card in that it provides seamless access to your funds. An automated exchange system handles the task of converting your funds on the spot, making your cryptocurrency as easy to use as the funds in your bank account.

Is It Worth It to Get a Crypto Card?

Although it’s ultimately up to you whether you make a move to get a card or not, you’ll want to be aware of the benefits, as there are many of them. They include:


If you’re like many modern people, you’ve become accustomed to how convenient it’s become to have things your way more of the time over the years. If you’re into cryptocurrency, a crypto card gives you another simple, easy way to finance your life without a lot of unnecessary steps.


As with debit cards, most crypto cards are issued through either Mastercard or Visa, so you can use them anywhere in the world those are accepted. Being able to pay via cryptocurrency can help financially savvy people bypass financial instability issues in other countries if they often travel, as well. And, as with your debit card, you can use your crypto card to withdraw cash from any ATM in the event you need physical currency.


With a crypto card in your corner, there’s no fuss to worry about when you want to use your cryptocurrency cache to pay your bills, finance a vacation, or anything else you might have in mind. You’re already used to using cards just like it, so you can add to your options without shifting your mindset or getting used to anything new.

What Are the Best Cards to Consider?

As with credit cards and similar payment options, different crypto cards come attached to various benefits. Some options offer you cashback and other cumulative rewards. Some cards are designed to suit those who spend most on everyday purchases like coffee or lunch out, while others are perfect for big spenders who love luxury items.

Be sure to shop around a little before making your decision. Start with this list of top crypto cards, consider the benefits of choosing each, and then take it from there. A better, more streamlined way to pay that lets you take full advantage of your cryptocurrency investment is right around the corner!