Best Crypto Cards in Colombia (2026)
Compare 18 crypto cards available in Colombia. Progressive sandbox regulation, COP settlement, and growing LATAM adoption with Bitso and Binance presence.
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Card Type
Avici Platinum Card
Avici Signature Card
Basic (Midnight Blue)
Bybit Supreme VIP Card
ether.fi Luxe Card
ether.fi Pinnacle Card
ether.fi VIP Card
Jupiter Global
KAST Bitcoin Black Card
KAST Bitcoin Silver Card
KAST Founders Edition
KAST K Card
KAST Solana Card
KAST Solana Gold Card
KAST Solana Illuma Card
KAST Solana Solid Gold Card
KAST X Card
Ledger CL Card
MetaMask Metal Card
MetaMask Virtual Card
Plus (Ruby Steel)
Prime
Private (Icy White / Rose Gold)
Private (Obsidian)
Pro (Royal Indigo / Jade Green)
RedotPay Physical Card
RedotPay Solana Card
RedotPay Virtual Card
Tria Premium Card
Tria Signature Card
Tria Virtual Card
Xplace Gold Club Card
Xplace Platinum Club Card
Xplace Silver Club Card
Xplace Standard Card
Verified for Colombia
35 crypto cards available
Local currency: COP
If you bank with Bancolombia, Davivienda, or BBVA Colombia, your debit card earns zero cashback and charges 3-5% on non-COP purchases. Colombia's 18 crypto cards offer up to 10% cashback, zero FX fees, and an increasingly welcoming regulatory environment via the SFC's sandbox approach.
Colombia has one of the highest crypto adoption rates in LATAM, driven by COP depreciation, remittance demand, and a young population comfortable with digital finance. Nequi and Daviplata dominate mobile payments, but Visa/Mastercard crypto cards fill the gap for international spending and higher-value transactions.
| Card | Max Cashback | Annual Fee | FX Fee | Type | Best For |
|---|---|---|---|---|---|
| Bybit | 10% | $0 | 0.5% | Debit | Highest cashback (VIP tier) |
| Binance | 8% | $0 | 0% | Debit | Binance ecosystem (strong in Colombia) |
| Crypto.com | 5% | $0 | 0% | Prepaid | Metal tiers with lounge access |
| KAST | 2% | $0 | 0% | Prepaid | No-fee starter card |
| Bleap | 2% | $0 | 0% | Debit | Self-custody spending |
| Ledger | 1% | $0 | 1.75% | Debit | Hardware wallet users |
| RedotPay | 0% | $0 | 1.2% | Prepaid | Budget LATAM option |
KAST is the best free option for Colombian users: 2% cashback, zero FX fee, zero annual fee. For higher cashback, Binance at 8% has strong LATAM presence and is widely used in Colombia.
Best Card For Every Need in Colombia
Top 10 Crypto Cards in Colombia
1. Bybit Supreme VIP Card
The Ultimate Trader Card: 10% Back + ChatGPT & TradingView Rebates
2. KAST Solana Gold Card
24K Gold Plated: 8% Points + VIP Concierge at $10,000/yr
3. KAST Solana Solid Gold Card
37g Solid Gold: The Only Solid Gold Crypto Card on the Market
4. Prime
The Apex: 8% Uncapped CRO Rewards + Private Account Manager
5. Tria Premium Card
Ultimate Web3 Luxury: 6% Cashback + Zero ATM Fees
6. KAST Bitcoin Black Card
Bitcoin Black Metal: 5% Points + 4% $MOVE at $1,000/yr
7. KAST Founders Edition
Strictly Limited: $5,000 One-Time + VIP Concierge + No Annual Fee
8. KAST Solana Illuma Card
Illuminating Metal: 5% Points + 4% $MOVE at $1,000/yr
9. KAST X Card
Chromoly Metal: 5% Points + 4% $MOVE at $1,000/yr
10. Private (Obsidian)
The Pinnacle: 5% Cashback + Private Jet Perks
Crypto Card Regulation in Colombia
The SFC (Superintendencia Financiera de Colombia) has adopted a sandbox approach to crypto regulation, allowing regulated entities to test crypto services under supervision. The Banco de la Republica (central bank) has not banned crypto but does not recognize it as legal tender.
Colombia's DIAN (Direccion de Impuestos y Aduanas Nacionales) oversees tax compliance for digital assets. The regulatory sandbox has allowed Bancolombia and other traditional banks to explore crypto services, signaling progressive intent.
Binance has strong presence in Colombia with P2P and direct services. Bybit and Crypto.com serve under LATAM/global coverage. Bitso (Mexico-founded) operates in Colombia. KAST and RedotPay serve under global coverage.
Colombia's sandbox approach is among the most progressive in LATAM. The regulatory direction is welcoming.
Tax Treatment of Card Rewards in Colombia
Colombia taxes crypto gains under the general income tax framework at progressive rates up to 39% for high incomes. The DIAN classifies crypto as an intangible asset. Capital gains on assets held less than 2 years are taxed as ordinary income. Assets held 2+ years may qualify for a lower 15% capital gains rate (ganancia ocasional).
Example: You bought 0.01 BTC at COP 2,000,000 and spend it when it is worth COP 10,000,000. The COP 8,000,000 gain is taxable. If held 2+ years, the rate is 15% = COP 1,200,000. If held less than 2 years, it is taxed as ordinary income.
| Cashback Type | When Received | When Spent via Card | Total Tax Burden |
|---|---|---|---|
| BTC cashback (held 2+ years) | Potentially taxable | 15% (ganancia ocasional) | Up to 15% + 15% |
| BTC cashback (held < 2 years) | Taxed as income | Up to 39% | Up to 39% + 39% |
| USDC cashback | Potentially taxable | ~0% (minimal gain) | Up to 39% |
The 2-year holding period matters significantly. For long-held crypto (2+ years), the 15% rate is manageable. For recent purchases, stablecoin funding minimizes the up to 39% ordinary income rate.
How to Apply from Colombia
Colombian crypto card applications require a cedula de ciudadania (citizen's ID card) for Colombians, or cedula de extranjeria (foreigner's ID) plus passport for foreign residents. The cedula number (10 digits) is the primary identifier. RUT (Registro Unico Tributario, tax ID) may be required.
Proof of Colombian address via utility bill (recibo de servicios publicos: energia, agua, gas), bank statement (extracto bancario), or certificate from the administration of the building/neighborhood.
Physical cards ship to Colombian addresses within 7-14 business days. Virtual cards are available immediately for Apple Pay and Google Pay use.
Spending Tips for Colombia
2-Year Holding Period = 15% Rate
If you have held your crypto for 2+ years, the ganancia ocasional rate of 15% applies instead of progressive income rates up to 39%. This is a significant advantage for long-term holders. For recently purchased crypto, stablecoin funding avoids the higher ordinary income rate.
Card Selection by Use Case
- Binance (8% cashback): Best for Binance ecosystem users (strong in Colombia)
- Bybit (up to 10% VIP): Best for high-volume Bybit traders
- KAST (2% cashback, free): Best no-fee starter card
- Crypto.com (up to 5%): Best for lounge access at BOG (El Dorado)
Spending Scenario: COP 3,000,000/month (~$720)
| Funding Method | Annual Spend | Cashback (8%) | Tax | Net Cashback |
|---|---|---|---|---|
| BTC (held 2+ years) | COP 36,000,000 | COP 2,880,000 | COP 432,000 (15%) | COP 2,448,000 |
| USDC (stablecoin) | COP 36,000,000 | COP 2,880,000 | ~COP 0 on gains | ~COP 2,880,000 |
COP 2,880,000/year covers 2+ months of groceries at Exito or Jumbo.
FX Is Critical for COP Users
COP fluctuates against USD. Cards with 0% FX fees save 3-5% per transaction versus Bancolombia or Davivienda debit cards. On COP 3,000,000/month, that is COP 1,080,000-1,800,000/year in FX savings.
Local Payment Infrastructure
Card acceptance is strong in Bogota, Medellin, and Cali. Contactless Visa/Mastercard works at malls (Centro Comercial Andino, El Tesoro), modern restaurants, and supermarkets (Exito, Jumbo, Carulla). Nequi and Daviplata dominate mobile payments (bank/app-only). Tiendas de barrio and street vendors remain cash-heavy. Apple Pay adoption is growing.
Supported Exchanges & Wallets in Colombia
LATAM exchange cards: Bybit (up to 10% VIP), Binance (8%), and Crypto.com (up to 5%) serve Colombian users under LATAM/global coverage. Binance has particularly strong P2P presence in Colombia.
Globally available: KAST, xPlace, and RedotPay serve under worldwide coverage. Tria (up to 6%) and Bleap (2%) offer self-custody spending.
Domestic/LATAM: Bitso (Mexico-founded, operating in Colombia), Buda.com, and local exchanges serve the Colombian market. None offer Visa/Mastercard spending cards in our comparison.
Ledger (1%) provides hardware wallet integration for Colombian users wanting self-custody.
Frequently Asked Questions
Which crypto card is most popular in Colombia?
Binance Card has strong adoption given Binance's dominant LATAM presence: 8% cashback with zero FX fee. KAST is the best free alternative at 2% cashback. Zero FX fee is critical for COP users given Colombian banks' 3-5% FX markups.
How are crypto gains taxed in Colombia?
Crypto held 2+ years qualifies for 15% ganancia ocasional rate. Crypto held less than 2 years is taxed as ordinary income at progressive rates up to 39%. Stablecoin funding minimizes taxable gains regardless of holding period.
Is Colombia's crypto regulation friendly?
Yes. The SFC uses a sandbox approach, and Bancolombia has explored crypto services under supervision. Colombia is among the most progressive LATAM countries for crypto regulation.
Can I use Nequi or Daviplata with a crypto card?
No. Nequi and Daviplata are separate Colombian mobile payment apps. Crypto cards work at Visa/Mastercard terminals. Most malls, modern restaurants, and supermarkets accept both systems.