Crypto debit cards
Spend a balance you already hold, no borrowing, no bill. Simpler than credit and usually faster to open, at the cost of the top-tier reward rates that sit on credit programmes.
Our pick per use case
Highest advertised reward in this category at Up to 10% (category-based, capped at €25/month).
No staking requirement and no annual fee.
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Reward rates are the issuer's published maximum and usually require a campaign or a category. Figures re-checked weekly; verify with the issuer before applying.
Three things worth understanding
A debit card draws down a balance you hold with the issuer, converting crypto or stablecoins to fiat at the point of sale. Nothing is borrowed and there is no bill at the end of the month.
Most debit programmes are custodial — your funds sit on the platform until you tap. A handful of self-custody debit cards pull directly from a wallet you control at the moment of authorisation.
Like prepaid, a debit card has no credit line behind it, so a pre-authorisation reserves money from your own balance rather than a lender's. Budget the buffer before travelling.