Best no annual fee crypto cards (2026)

#

CARD

MAX REWARD

FX FEE

REGION

01

Up to 4%

0%

United States only (closed UK & EU in April 2026)

02

Up to 10%

0% MEXC markup — Visa's own exchange rate applies

Andorra, Angola, Antigua and Barbuda, Argentina, Australia, Azerbaijan, Bahamas, Bahrain, Barbados, Belize, Benin, Bhutan, Bolivia, Botswana, Brazil, Brunei, Burkina Faso, Cabo Verde, Cameroon, Chad, Chile, Colombia, Comoros, Costa Rica, Côte d'Ivoire, Djibouti, Dominica, Dominican Republic, Ecuador, Equatorial Guinea, Eritrea, Eswatini, Fiji, Gabon, Gambia, Georgia, Ghana, Grenada, Guyana, Honduras, Israel, Jamaica, Japan, Jordan, Kenya, Kiribati, Laos, Lesotho, Liberia, Madagascar, Malawi, Malaysia, Maldives, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Monaco, Mongolia, Mozambique, Namibia, Nauru, New Zealand, Nigeria, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Qatar, Rwanda, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Sierra Leone, Solomon Islands, South Africa, South Korea, Sri Lanka, Suriname, Switzerland, Taiwan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Turkmenistan, Tuvalu, Uganda, Uruguay, Uzbekistan, Vatican City, Vietnam, Zambia

03

Up to 2%

0%

Austria, Belgium, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Netherlands, Poland, Portugal, Slovakia, Slovenia, Spain

04

Up to 8%

0.35%

Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, Australia, Hong Kong, Japan, Macao, Malaysia, New Zealand, Philippines, South Korea, Taiwan, Thailand, Azerbaijan, Bahrain, Georgia, Kazakhstan, Oman, United Arab Emirates, Uzbekistan, Ghana, Kenya, Nigeria, South Africa, Uganda, Argentina, Brazil, Chile, Colombia, Ecuador, El Salvador, Mexico, Panama, Peru

05

1%

0% Bitpanda markup — Visa's exchange rate and mark-up apply

Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain (euro-area residents only; NOT available in: UK)

06

Up to 2%

0% in the UK and EEA; 1% in the US

UK, EEA, United States (NOT available in: New York, Maine, Massachusetts, Indiana); card usable for spending and ATMs in 200+ countries worldwide

07

Up to 5%

2% Core; 1.5% Prime; 1% Ultra

All EU and EEA member states (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway), United Kingdom, Switzerland, Andorra, Gibraltar, Guernsey, Jersey, Isle of Man, Moldova, Ukraine, Argentina, Belize, Bolivia, Brazil, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Guyana, Honduras, Mexico, Panama, Paraguay, Peru, Suriname, Uruguay, Antigua and Barbuda, Bahamas, Barbados, Cayman Islands, Grenada, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Trinidad and Tobago, Turks and Caicos Islands, Côte d'Ivoire, Egypt, Ghana, Kenya, Morocco, Nigeria, Senegal, South Africa, Uganda, Zambia, Azerbaijan, Bangladesh, Georgia, Hong Kong, Indonesia, Japan, Kazakhstan, Macao, Malaysia, Pakistan, Philippines, Singapore, South Korea, Taiwan, Thailand, Uzbekistan, Vietnam, Bahrain, Israel, Oman, Saudi Arabia, Turkey, United Arab Emirates, Australia, New Zealand, United States (30+ states). NOT available to residents of: Belarus, China, Cuba, India, Iran, Iraq, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Venezuela.

08

Up to 20%

0%

EEA, Switzerland

09

Variable

No Coinbase transaction fee for card spending; crypto conversion may include Coinbase's spread

US

10

Up to 3%

1–2% in Brazil; 0% in Colombia and Peru

Brazil, Peru, Colombia

11

2%

Varies

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, Iceland (US and Russian citizens are excluded)

12

Up to 3%

$3.00 per foreign transaction (waived with a $5,000 Fold Reserve balance)

United States

13

Up to 10%

Varies by region

EEA, Switzerland, Australia, Brazil, Argentina, Mexico, Peru, Georgia, Kazakhstan (AIFC), Asia Pacific

14

0%

0%

Andorra, Argentina, Austria, Belgium, Bosnia and Herzegovina, Brazil, Bulgaria, Canada, Colombia, Croatia, Cyprus, Denmark, Finland, France, Germany, Gibraltar, Greece, Guatemala, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Liechtenstein, Lithuania, Luxembourg, Malta, Mexico, Netherlands, Niger, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United States, Uruguay

15

Up to 2%

1% conversion on card payments, plus 1% more at non-US merchants

60+ countries including Europe, the UK and UAE; card usable for spending in 170+ countries (NOT available in: US)

16

Up to 2%

EEA/UK/CH: 0.2% weekdays and 0.7% weekends; Rest of World: 2% weekdays and 2.5% weekends

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom

17

Up to 1.5%

3% on Base, 1.5% on Bright, 0% on Blue

Canada

18

Up to 8%

0%

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Andorra, Gibraltar, Monaco, Montenegro, Switzerland, United Kingdom, Australia, Hong Kong, Indonesia, Malaysia, New Zealand, Philippines, Singapore, Taiwan, Thailand, Vietnam, Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru

19

1%

0% in El Salvador, 0.66% in Mexico, about 1% elsewhere

US + 15 Latin America countries (AR, CL, CO, CR, EC, SV, GT, HN, MX, PA, PY, PE, DO, UY, + Africa expansion Aug 2025)

20

None

~2% on non-USD purchases (international card)

United States, Canada and 100+ countries on the international card (NOT available in: Afghanistan, Albania, Andorra, Angola, Antigua and Barbuda, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belarus, Belize, Bermuda, Bolivia, Brunei, Burundi, Cape Verde, Cambodia, Cameroon, Central African Republic, Chad, China, Republic of the Congo, Cuba, Democratic Republic of the Congo, Dominican Republic, Ecuador, Egypt, Equatorial Guinea, Eritrea, Ethiopia, French Guiana, French Polynesia, Gabon, Ghana, Grenada, Guadeloupe, Guatemala, Guinea, Guyana, Haiti, Honduras, India, Iran, Iraq, Isle of Man, Jamaica, Jersey, Jordan, Kazakhstan, Kenya, Kosovo, Kuwait, Kyrgyzstan, Latvia, Lebanon, Libya, Madagascar, Mali, Martinique, Mauritania, Mauritius, Moldova, Mongolia, Montenegro, Mozambique, Myanmar, Nepal, Nicaragua, Nigeria, North Korea, Pakistan, Palestine, Qatar, Réunion, Russia, Rwanda, Saint Lucia, Saudi Arabia, Seychelles, Sierra Leone, Somalia, South Sudan, Sri Lanka, Sudan, Suriname, Syria, Taiwan, Tajikistan, Togo, Trinidad and Tobago, Tunisia, Turkey, Turks and Caicos Islands, Uganda, Ukraine, Vanuatu, Venezuela, Yemen, Zimbabwe)

21

Up to 2%

0%

UK, EEA

22

None

0%

EU

23

None

1.5% + $0.30

Nigeria, Indonesia, Kenya and most other countries worldwide (NOT available in: Afghanistan, Algeria, Belarus, Burundi, Central African Republic, China, Comoros, Democratic Republic of the Congo, Republic of the Congo, Cuba, Gambia, Iran, Iraq, Kyrgyzstan, Lebanon, Liberia, Libya, Maldives, Myanmar, Nicaragua, North Korea, Russia, São Tomé and Príncipe, Serbia, Somalia, South Sudan, Sudan, Suriname, Svalbard and Jan Mayen, Syria, Tajikistan, Togo, Tokelau, Turkmenistan, Ukraine, United States, Uzbekistan, Venezuela, Wallis and Futuna, Yemen, Zimbabwe, Cyprus, India, Israel, Montenegro, Nepal, North Macedonia, Palestine, Turkey, Vietnam)

24

Up to 10%

up to 1% — on Nóva EUR card transactions; no separate universal FX fee is published

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, Iceland, Liechtenstein, Ukraine

25

0%

1.5% on non-USD purchases

United States (31 states: Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Virginia, West Virginia, Wyoming), Antigua & Barbuda, Argentina, Australia, Bahamas, Barbados, Belize, Bolivia, Brazil, Cayman Islands, Colombia, Costa Rica, Côte d'Ivoire, Dominican Republic, Ecuador, El Salvador, Ghana, Grenada, Guatemala, Guyana, Honduras, Hong Kong, Japan, Kenya, Malaysia, Mexico, Morocco, New Zealand, Nigeria, Pakistan, Panama, Paraguay, Peru, Philippines, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Senegal, Singapore, South Africa, Suriname, Trinidad and Tobago, Turks & Caicos Islands, UAE, Uganda, Uruguay, Zambia (NOT available in: UK, Europe, Bangladesh, Belarus, Cuba, India, Iran, Iraq, Israel, Mainland China, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam)

26

Up to 4%

0%

Latin America

27

Up to 5%

0%

150+ countries

28

None

1.2%

100+ countries (NOT available in: Afghanistan, Albania, Belarus, Bosnia and Herzegovina, Bouvet Island, Burkina Faso, Burundi, Central African Republic, Democratic Republic of the Congo, Croatia, Cuba, Eritrea, Ethiopia, Guinea-Bissau, Haiti, India, Indonesia, Iran, Iraq, Kosovo, Lebanon, Liberia, Libya, Mainland China, Mali, Montenegro, Morocco, Myanmar, Nepal, Netherlands Antilles, Nicaragua, North Korea, North Macedonia, Russia, Serbia, Singapore, Slovenia, Somalia, South Sudan, Sudan, Syria, Turkey, Ukraine, United States, Venezuela, Yemen, Zimbabwe)

29

Up to 2.5%

1.7% (25% off on Gold, 50% off on Emerald)

122+ countries (card issuance: US + Latin America; usable in 147+ countries)

30

Up to 1%

0%

EEA (all 30 countries; euro accounts, French-licensed)

31

0.5%

1.5%

Afghanistan, Albania, Algeria, Andorra, Anguilla, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Botswana, Brazil, Brunei, Burkina Faso, Burundi, Cambodia, Canada, Cayman Islands, Central African Republic, Chad, Chile, Colombia, Comoros, Republic of the Congo, Costa Rica, Croatia, Cuba, Curaçao, Cyprus, Czech Republic, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Fiji, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Grenada, Guernsey, Guinea, Guinea-Bissau, Guyana, Honduras, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Isle of Man, Israel, Italy, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kiribati, Kosovo, Kyrgyzstan, Latvia, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Macau, Madagascar, Malaysia, Maldives, Mali, Malta, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Mongolia, Montserrat, Morocco, Mozambique, Namibia, Nauru, Netherlands, New Zealand, Nicaragua, Niue, North Macedonia, Norway, Oman, Pakistan, Palau, Panama, Paraguay, Peru, Philippines, Poland, Portugal, Puerto Rico, Qatar, Romania, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Korea, Spain, Sri Lanka, Suriname, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Turks & Caicos Islands, Tuvalu, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Zambia, Zimbabwe (NOT available in: Angola, Belarus, Bolivia, Bosnia and Herzegovina, British Virgin Islands, Bulgaria, Cameroon, China, Democratic Republic of the Congo, Côte d'Ivoire, Haiti, India, Iran, Iraq, Kenya, Kuwait, Laos, Lebanon, Monaco, Myanmar, Nepal, Nigeria, North Korea, Papua New Guinea, Russia, South Sudan, Sudan, Syria, Venezuela, Vietnam, Yemen)

32

Up to 3%

2% for non-EUR transactions

EEA

33

Up to 4.5%

Varies by region and tier

Singapore, APAC, Australia & New Zealand, United States, Canada, European Union, United Kingdom, Brazil & select LATAM markets

34

None

1–2% on the no-KYC card; 0–1.5% after KYC

Global (KYC required — excluded: US, some OFAC-sanctioned countries)

35

Up to 2%

Varies

Albania, Algeria, Andorra, Angola, Antigua and Barbuda, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Cabo Verde, Cambodia, Cameroon, Canada, Chad, Chile, China, Colombia, Comoros, Congo, Costa Rica, Côte d’Ivoire, Croatia, Cyprus, Czechia, Democratic Republic of the Congo, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Fiji, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Greece, Grenada, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Hungary, Iceland, India, Indonesia, Iraq, Ireland, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kiribati, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Liechtenstein, Lithuania, Luxembourg, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Morocco, Mozambique, Namibia, Nauru, Nepal, Netherlands, New Zealand, Nicaragua, Niger, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Romania, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, South Africa, South Korea, South Sudan, Spain, Sri Lanka, Suriname, Sweden, Switzerland, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Türkiye, Turkmenistan, Tuvalu, Uganda, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Vietnam, Yemen, Zambia

01

02

03