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CATEGORY · 31 CARDS

No annual fee crypto cards

Zero ongoing cost to hold the card. That doesn't mean zero fees anywhere — FX, ATM and top-up charges can still apply. Here's what's genuinely free on each one.

See the 31 cards Is free enough for me?

CATEGORY AT A GLANCE

31

no annual fee cards tracked

31

with no annual fee

10%

highest advertised reward

0%

lowest FX spread

All 31 no annual fee programmes checked weekly

PICK NO ANNUAL FEE IF

✓You want a card with zero ongoing cost to simply hold

✓You're not chasing the highest possible reward rate

✓You'd rather not commit funds to a staking tier

✓You want to try a card before considering a paid tier

CHOOSE SOMETHING ELSE IF

!You want the best possible reward rate, which often sits behind a fee

!You travel often and need the lowest possible FX spread specifically

!You want every perk unlocked, including ones reserved for paid tiers

!You plan to withdraw cash from ATMs frequently and need higher free limits

See paid-tier cards →

BEST FOR

Our pick per use case

BEST OVERALL

Mastercard

Bybit Card

Highest advertised reward in this category at Up to 10%.

Up to 10%Details →

BEST FOR TRAVEL

Mastercard

1inch Card

Lowest FX fee in this category.

BEST NO-FUSS

Mastercard

Bybit Card

No staking requirement and no annual fee.

Up to 10%Details →

ALL NO ANNUAL FEE CARDS

Compare the list

31 of 31 shown · sorted by reward

#
CARD
MAX REWARD
FX FEE
REGION

01

Bybit Card

by Bybit

Up to 10%

0.5%

EEA, Switzerland, Australia, Brazil, Argentina, Mexico, Georgia, AIFC

02

Gemini Credit Card

by Gemini Space Station

Up to 10%

0%

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

03

WhiteBIT Nóva

by Wallester AS

Up to 10%

0%

EU (17 countries: Austria, Belgium, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Netherlands, Poland, Portugal, Spain, Sweden)

04

COCA Visa Card

by COCA

Up to 8%

0%

Europe: 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, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom. Asia / Oceania / Middle East: Australia, Azerbaijan, Georgia, Hong Kong, Indonesia, Israel, Japan, Kazakhstan, Macao, Malaysia, New Zealand, Oman, Philippines, Saudi Arabia, South Korea, Taiwan, Thailand, Turkey, United Arab Emirates, Uzbekistan, Vietnam. Africa: Ghana, Kenya, Nigeria, South Africa, Uganda. South America: Argentina, Brazil, Chile, Colombia, Ecuador, El Salvador, Mexico, Panama, Peru.

05

SolCard

by SC PAYMENTS Ltd

Up to 8%

2%

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

06

CoinZoom Card

by Zenus Bank

Up to 5%

0%

United States

07

Kolo Card

by Kolo

Up to 5%

0%

Global virtual card (exact supported countries not publicly listed — check app)

08

Rebind Card

by Rebind SAS

Up to 5%

0%

EU

09

Solid Card

by Solid

Up to 5%

0%

US, LATAM, Africa

10

Coinbase Card

by Pathward

Up to 4%

0% (USD/USDC spending)

EU (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden), UK, US (select states)

11

Ripio Card

by Ripio

Up to 4%

0%

Latin America

12

Binance Card

by Binance

Up to 3%

1-2% (IOF taxes apply in Brazil)

Brazil, Peru, Colombia only (global rollout discontinued Jan 2026)

13

Ether.fi Cash

by Ether.Fi Cash Ltd

Up to 3%

0%

United States

14

KuCard

by KuCoin

Up to 3%

0%

EEA

15

Ready Card

by Ready

Up to 3%

0%

United States

16

Rizon Visa Card

by Rizon

2.5%

1.02%

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

17

1inch Card

by Monavate Ltd

Up to 2%

0%

EU

18

Bitrefill Card

by Airfill Prepaid AB

2%

Varies

EEA

19

Bleap Crypto Card

by Unlimit EU Ltd

2%

0%

EU, UK (EUR, GBP, USD IBAN available)

20

Kardpay Card

by Kardpay FZCO

Up to 2%

Varies

Afghanistan, Belarus, Cuba, North korea, Iran, Syria, Sudan, Venezuela, Russia, Ukraine, Sudan, Libya, Myanmar, Burundi, Central African Republic, Somalia, Zimbabwe

21

Krak

by Kraken

Up to 2%

0%

UK, EEA (account opening); card usable for spending and ATMs in 200+ countries worldwide

22

Nexo Card

by Nexo

Up to 2%

0% (up to tier limit, then 0.5%)

EEA + UK (virtual card only — physical card orders paused since Jan 2025)

23

Trade Republic Card

by Trade Republic Bank GmbH

Up to 2%

0%

EU

24

Shakepay Card

by Peoples Trust Company

Up to 1.5%

0%

Canada

25

Bitpanda Card

by Transact Payments Malta Ltd

1%

0%

EU

26

Deblock Card

by Deblock

Up to 1%

0%

EU

27

Ugly Visa

by UglyCash

1%

0%

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

28

CEX.IO Card

by Quicko Sp. z o.o.

0%

0%

EEA

29

Exa Card

by Exa Labs SAS

0%

0%

160+ countries (NOT UK or Europe; Uphold integration: US only, ~24 states excluded)

30

Exodus Spend Card

by Exodus Movement

0%

0%

United States

31

Solflare Card

by Solflare

0%

0%

United States

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.

WHAT “FREE” ACTUALLY COVERS

Three things worth understanding

01

No annual fee doesn't mean no fees

A free tier commonly still charges for FX conversion, ATM withdrawals above a limit, or physical card issuance. "Free" refers specifically to the yearly account cost, not every line item.

02

Free tiers are usually the entry level

Issuers that offer a no-fee card almost always also sell paid tiers with better rates. The free tier gets you in the door; higher rewards typically sit behind a fee or a staking requirement.

03

Free can still mean profitable — for the issuer

Issuers make money on interchange fees paid by merchants, not just your annual fee, so a genuinely free card is a normal, sustainable business model, not a red flag.

GOOD TO KNOW

No-annual-fee questions

If the card is free, what does the issuer charge for?

+

Are free-tier reward rates lower?

+

Can I upgrade from a free tier later?

+

Is a free card worse quality than a paid one?

+

All questions →How we score cards →

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