Ranking
Lowest-fee crypto cards
Ranked by subscription, issuance, FX and ATM costs.
Currently ranked first: Ready Card with 9.3/10 (low fees weighting). 22 cards qualify. Rankings update automatically when verified data changes — last rendered 23 October 2026.
- 1Ready Card
Crypto native · Ready (formerly Argent)
Initial research 22 October 2026 · not yet verified9.3Provisional- Base cashback
- No data yet
- Base fee
- No data yet
- FX fee
- 0%*
- Custody
- No data yet
- + No FX markup from the issuer
- + Free ATM withdrawals up to $800/month
- 29.2Provisional
- Base cashback
- 1%*
- Base fee
- Free
- FX fee
- 0%*
- Custody
- No data yet
- + No annual or monthly fee on the base tier
- + No FX markup from the issuer
- + 1% base cashback
- − ATM fee 2% (min. €2)
- Base cashback
- No data yet
- Base fee
- Free
- FX fee
- 0%
- Custody
- Self-custody
- + No annual or monthly fee on the base tier
- + No FX markup from the issuer
- + Self-custody: funds stay in your own wallet
- − Top rate of 20% only with conditions — Up to; eligible purchases only — conditions not specified
- 4MetaMask Card
Crypto native · MetaMask (Consensys)
Initial research 22 October 2026 · not yet verified9.0Provisional- Base cashback
- 1%*
- Base fee
- Free*
- FX fee
- 0%*
- Custody
- Self-custody
- + No annual or monthly fee on the base tier
- + No FX markup from the issuer
- + 1% base cashback in mUSD
- − Top rate of 3% only with conditions — Metal tier ($199/yr), first $10,000 spent per year, then 1%
- Base cashback
- 2%*
- Base fee
- Free
- FX fee
- 0%*
- Custody
- No data yet
- + No annual or monthly fee on the base tier
- + No FX markup from the issuer
- + 2% base cashback in USDG
- − Top rate of 10% only with conditions — VIP 4+ on OKX, capped at €1,000/month
- − No physical card
- Base cashback
- 1.5%*
- Base fee
- No data yet
- FX fee
- 0%
- Custody
- Self-custody
- + No FX markup from the issuer
- + 1.5% base cashback
- + Self-custody: funds stay in your own wallet
- − Top rate of 6% only with conditions — Premium tier, headline rate, monthly spend caps apply
- 78.8Provisional
- Base cashback
- No data yet
- Base fee
- $49.99/year*
- FX fee
- 0%
- Custody
- No data yet
- + No FX markup from the issuer
- + Real credit line
- − Annual cost $49.99 (Coinbase One membership required (from $49.99/year); no separate card annual fee for members)
- − Top rate of 4% only with conditions — Up to; tier depends on average Coinbase balance
- − US residents only
- 88.0Provisional
- Base cashback
- No data yet
- Base fee
- Free
- FX fee
- No data yet
- Custody
- No data yet
- + No annual or monthly fee on the base tier
- + Spends stablecoins directly
- − US residents only
- Base cashback
- No data yet
- Base fee
- Free
- FX fee
- 1%*
- Custody
- Self-custody*
- + No annual or monthly fee on the base tier
- + Self-custody: funds stay in your own wallet
- + Apple Pay and Google Pay
- − No physical card
- 107.8Provisional
- Base cashback
- 2%*
- Base fee
- Free*
- FX fee
- 1.5%*
- Custody
- No data yet
- + No annual or monthly fee on the base tier
- + 2% base cashback in XRP (or other crypto at Uphold's discretion)
- − FX fee up to 1.5%
- − Top rate of 4% only with conditions — Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins
- − ATM fee $2.95
- Base cashback
- No data yet
- Base fee
- Free*
- FX fee
- 1%*
- Custody
- Self-custody*
- + No annual or monthly fee on the base tier
- + Self-custody: funds stay in your own wallet
- + Real credit line
- − Physical card costs $50
- 127.8Provisional
- Base cashback
- 2%*
- Base fee
- Free
- FX fee
- No data yet
- Custody
- No data yet
- + No annual or monthly fee on the base tier
- + 2% base cashback
- + Spends stablecoins directly
- − Top rate of 3% only with conditions — New users or after reaching the monthly spending threshold
- 13Crypto.com Visa Card (EEA)
Crypto native · Crypto.com
Initial research 22 October 2026 · not yet verified7.8Provisional- Base cashback
- 0%*
- Base fee
- Free*
- FX fee
- No data yet
- Custody
- No data yet
- + No annual or monthly fee on the base tier
- − Top rate of 4.5% only with conditions — Highest tier; monthly caps apply by tier
- − Higher rewards require staking or holding CRO
- − Cashback paid in a volatile token (CRO)
- Base cashback
- 1%*
- Base fee
- No data yet
- FX fee
- 0.5%*
- Custody
- No data yet
- + Low FX fee (0.5%)
- + 1% base cashback
- + Free ATM withdrawals up to €100/month
- − Top rate of 10% only with conditions — Up to; marketing claim, tier based on total Bybit portfolio value
- Base cashback
- No data yet
- Base fee
- Free
- FX fee
- 2%*
- Custody
- No data yet
- + No annual or monthly fee on the base tier
- + Free ATM withdrawals up to €2,000/month
- + Spend by borrowing against crypto instead of selling
- − FX fee up to 2%
- − Top rate of 2% only with conditions — Up to; Credit Mode only, depends on loyalty tier
- − Cashback paid in a volatile token (NEXO or BTC)
- Base cashback
- No data yet
- Base fee
- Free*
- FX fee
- No data yet
- Custody
- No data yet
- + No annual or monthly fee on the base tier
- + Free ATM withdrawals up to €200/month
- Base cashback
- 1%*
- Base fee
- Free*
- FX fee
- 1.5%*
- Custody
- No data yet
- + No annual or monthly fee on the base tier
- + 1% base cashback in USDC
- + Spends stablecoins directly
- − FX fee up to 1.5%
- − Top rate of 2% only with conditions — Plus tier ($29.99/month)
- − ATM fee 4%
- Base cashback
- No data yet
- Base fee
- No data yet
- FX fee
- 1.2%*
- Custody
- No data yet
- − ATM fee 2%
- − Physical card costs $100
- Base cashback
- 1.5%*
- Base fee
- Free*
- FX fee
- 1.75%*
- Custody
- No data yet
- + No annual or monthly fee on the base tier
- + 1.5% base cashback
- + Apple Pay and Google Pay
- − FX fee up to 1.75%
- − Top rate of 3% only with conditions — Private membership ($10,000/yr), first $40,000 per month; plus 2% in KAST Points
- − ATM fee $3 + 2%
- 206.3Provisional
- Base cashback
- No data yet
- Base fee
- $1,000/year*
- FX fee
- 0%*
- Custody
- No data yet
- + No FX markup from the issuer
- + Free ATM withdrawals up to $100/month
- − Annual cost $1,000 (Xapo Bank membership, card included)
- − Top rate of 1% only with conditions — Up to, on qualifying purchases
- 215.3Provisional
- Base cashback
- 3%*
- Base fee
- No data yet
- FX fee
- 1.5%*
- Custody
- Self-custody*
- + 3% base cashback in ETHFI
- + Self-custody: funds stay in your own wallet
- + Apple Pay and Google Pay
- − FX fee up to 1.5%
- − Top rate of 4% only with conditions — VIP membership, on the first $50,000 of card spend per month
- − Cashback paid in a volatile token (ETHFI)
- Base cashback
- No data yet
- Base fee
- No data yet
- FX fee
- No data yet
- Custody
- Self-custody*
- + Self-custody: funds stay in your own wallet
- + Apple Pay and Google Pay
- − Top rate of 10% only with conditions — Up to
- − ATM fee 2.5% (min. $0.25)