Bitrefill Card
Crypto-funded prepaid Visa for EEA residents. Deposit major crypto including Lightning Network, instantly converted to EUR. Unique double cashback: 1% on deposit AND 1% on spending. Cashback is paid in EUR as Bitrefill store credit, with no cap and no expiry, and is spent on gift cards, eSIMs and phone top-ups.
Is the Bitrefill Card worth it?
The Bitrefill Card is a prepaid card on Visa, paying up to 2% back on spend, with no annual fee. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
- you want up to 2% back on everyday spending
- you don't want to stake or lock up a token to earn the rate
- you want a card with no annual fee
THINK TWICE IF
- you want to hold your own keys — this card is custodial
How we rate the Bitrefill Card
- Cost25%3.0 / 5
No monthly or annual fee, but ATM withdrawals cost 2.49%, deposits carry a spread, and an unused card is charged €10 a month after 12 months.
- Conditions25%5.0 / 5
Nothing to stake, hold or subscribe to — the full 2% is available from the first purchase.
- Rewards25%3.5 / 5
1% on deposits plus 1% on spending, paid in EUR with no cap and no expiry. It is worth most if you spend it back through Bitrefill's own catalogue.
- Reliability25%4.0 / 5
Trading since 2014, with eligibility, fees and limits all published in its help centre; the exact deposit fee is the one figure it states loosely.
Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.
The card at a glance
Earning 2%
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Up to 2%, 1% on crypto deposits plus 1% on spending. Paid in EUR, convertible to Bitrefill store credit for free, and it never expires, paid in EUR, convertible to Bitrefill store credit. No staking required for the base rate.
Fees you'll actually meet
ℹ️ 1% on crypto deposits plus 1% on spending. Paid in EUR, convertible to Bitrefill store credit for free, and it never expires.
How much you can spend
Published by the issuer. One set of limits applies wherever the card is available.
Contactless payments are capped at €200, and total lifetime deposits to the card at €15,000.
Strengths and trade-offs
WORKS FOR YOU IF
- Lightning Network support
- Double cashback structure
- SEPA cash-out
- No annual fee
- EEA coverage
LOOK ELSEWHERE IF
- Cashback is spent through Bitrefill (gift cards, eSIMs, top-ups), not on the card
- Cashback can't be withdrawn as cash
- No Apple Pay yet (Google Pay works on the virtual card)
- EEA only
What sets it apart
- Lightning Network top-up supported
- 1% cashback on deposit + 1% on spending
- SEPA cash-out capabilities
Common questions
Where can I use the Bitrefill Card?
Does the Bitrefill Card have an annual fee?
Do I need to stake anything to earn rewards?
How much can I earn with the Bitrefill Card?
Does it work with Apple Pay and Google Pay?
Figures on this page come from Airfill Prepaid AB's published card terms and were verified on October 3, 2026. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
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