Best Crypto Cards for Europeans (2026)
The widest card selection globally with EUR settlement and MiCA protection.
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1inch Mastercard
Basic (Midnight Blue)
Bitget Visa Card
Bitpanda Visa Card
Bleap Mastercard
Bybit Card
Bybit Supreme VIP Card
COCA Visa Card
Coinbase Card
ether.fi Luxe Card
ether.fi Pinnacle Card
ether.fi VIP Card
Gate Card Midnight
Gate Card Silver
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
Kraken Card
KuCard Visa Debit
Ledger CL Card
MetaMask Metal Card
MetaMask Virtual Card
Nexo Card
OKX Mastercard Debit
Plus (Ruby Steel)
Plutus Visa Card
Prime
Private (Icy White / Rose Gold)
Private (Obsidian)
Pro (Royal Indigo / Jade Green)
RedotPay Physical Card
RedotPay Solana Card
RedotPay Virtual Card
Solflare Card
Tria Premium Card
Tria Signature Card
Tria Virtual Card
Wirex Elite Card
Wirex Standard Card
Xplace Gold Club Card
Xplace Platinum Club Card
Xplace Silver Club Card
Xplace Standard Card
Curated for Europeans
50 matching cards
Filtered by region and eligibility
Nowhere else in the world can you choose from 34 crypto cards. The European Economic Area is the most competitive market for crypto card products, and that competition directly benefits you through higher cashback rates, lower fees, and faster innovation. A typical European bank debit card offers 0% cashback and charges 1.5-3% on non-EUR transactions. The cards on this page offer up to 10% back and zero FX across the eurozone.
MiCA regulation is the reason the market looks like this. A single license in any EEA country - Lithuania, Ireland, France - gives an issuer passporting rights to all 30 member states. That low barrier to cross-border launch means issuers compete on product quality, not regulatory arbitrage. For you, it means strong consumer protections (fund segregation, dispute resolution) and a level of choice that US or Asian residents cannot match.
Top EEA Cards at a Glance
| Card | Max Cashback | Annual Fee | FX Fee | Custody | Entry Barrier |
|---|---|---|---|---|---|
| Bybit Supreme | 10% | Free | 0.5% | Custodial | VIP trading status |
| Plutus Visa | 9% | $60 | 0% | Non-custodial | PLU staking |
| Bitget Visa | 8% | Free | 0% | Custodial | BGB holdings |
| COCA Visa | 8% | Free | 1% | Non-custodial | COCA staking |
| Wirex Elite | 8% | $360 | 0% | Custodial | Annual fee only |
| OKX Mastercard | 5% | Free | 0% | Custodial | OKB holdings |
| Coinbase Card | 4% | Free | 0% | Custodial | None |
| ether.fi Cash | 3% | Free | 1% | Self-custodial | None |
| Bleap Mastercard | 2% | Free | 0% | Non-custodial | None |
The market splits into three tiers: high-yield cards requiring staking or VIP status (8-10%), mid-range cards with modest requirements (3-5%), and zero-barrier free cards (1-2%) that still dramatically outperform bank debit. For a deeper dive into cashback mechanics, see our cashback guide.
What Europeans Need in a Crypto Card
EUR settlement - zero FX fees on every eurozone purchase
MiCA-licensed issuer for fund protection and cross-border validity
SEPA Instant top-ups - fund your card in seconds from any EU bank
Competitive cashback (1-10%) driven by EEA market competition
Apple Pay or Google Pay for the contactless-first European market
Top 10 Cards for Europeans
1. Plutus Visa Card
Your Daily Driver for 3% to 9% Cashback
2. Bitget Visa Card
The Trader's Daily Driver: Instant Crypto Spending
3. Bybit Supreme VIP Card
The Ultimate Trader Card: 10% Back + ChatGPT & TradingView Rebates
4. COCA Visa Card
DeFi Banking for the Masses: 8% Back + Yield Earning
5. KAST Solana Gold Card
24K Gold Plated: 8% Points + VIP Concierge at $10,000/yr
6. KAST Solana Solid Gold Card
37g Solid Gold: The Only Solid Gold Crypto Card on the Market
7. Prime
The Apex: 8% Uncapped CRO Rewards + Private Account Manager
8. Wirex Elite Card
Elite Travel Status: 8% Rewards + Priority Support
9. Tria Premium Card
Ultimate Web3 Luxury: 6% Cashback + Zero ATM Fees
10. KAST Bitcoin Black Card
Bitcoin Black Metal: 5% Points + 4% $MOVE at $1,000/yr
What $2,000/Month Looks Like
$200
/month in cashback (based on Bybit Supreme VIP Card at 10%)
The average European household spends roughly EUR 2,000/month on card-eligible purchases (groceries, transport, dining, subscriptions, online shopping).
| Card Tier | Cashback Rate | Monthly Return | Annual Return | Entry Cost |
|---|---|---|---|---|
| Bank debit card | 0% | EUR 0 | EUR 0 | Free |
| Bleap / free tier | 2% | EUR 40 | EUR 480 | Free |
| Plutus (base) | 3% | EUR 60 | EUR 720 | $60/yr |
| Bitget (mid BGB) | 5% | EUR 100 | EUR 1,200 | BGB holdings |
| Plutus (max) | 9% | EUR 180 | EUR 2,160 | PLU staking |
| Bybit Supreme | 10% | EUR 200 | EUR 2,400 | VIP status |
The gap between a 0% bank card and even a modest 2% crypto card is EUR 480/year - a free weekend trip. At the 9% tier, the same spending returns EUR 2,160/year - the equivalent of a week-long European holiday funded entirely by cashback.
Multi-Card Strategy for Europeans
Path 1: Maximum Cashback (Staking or VIP Required)
Pure cashback maximizers should look at Plutus (up to 9% with PLU staking, plus subscription rebates like Spotify and Netflix), Bitget (up to 8% based on BGB holdings), or Bybit Supreme (up to 10% for VIP traders). These are the highest rates in the market, but they all require either staking tokens or maintaining VIP status.
Path 2: Zero Commitment (No Staking, No Fee)
If you want no commitment - no staking, no annual fee, no lockup - cards like MetaMask (points-based), Bleap (2% free), or the Crypto.com Midnight Blue (0% but zero cost) let you start earning immediately. The free cards are a better starting point than committing capital to a staking tier before you know your spending patterns.
Path 3: Self-Custody First
For users who prioritize self-custody over cashback rates, ether.fi Cash (3%, restaking yield), Gnosis Pay (Safe smart account), and MetaMask Card (Linea L2) all let you keep your keys. See our self-custody guide for the full comparison.
Special Case: Non-Euro EEA Countries
For Sweden, Poland, Denmark, and Norway, FX fees become your primary concern. Within the eurozone, EUR-to-EUR is free on every card. But spending SEK or PLN through a EUR-settled card triggers conversion. Prioritize 0% FX cards:
| Card | FX Fee | Best For Non-Euro EEA |
|---|---|---|
| Bitget | 0% | Yes - direct multi-currency settlement |
| Coinbase | 0% | Yes - straightforward, no staking |
| Kraken | 0% | Yes - strong Nordics coverage |
| OKX | 0% | Yes - Mastercard for ATM variety |
| Bybit | 0.5% | Partial - small FX cost on non-EUR |
| Plutus | 0% | Yes - but EUR-settled (check conversion) |
Common Mistakes to Avoid
1. Analysis Paralysis
With 34 options, it is tempting to spend weeks comparing every fee and feature. In practice, any card with 2%+ cashback and 0% FX is already dramatically better than your bank card. Pick one, use it for a month, and optimize later. The worst outcome is not picking the wrong card - it is spending another month on your bank debit at 0% while you deliberate.
2. Ignoring MiCA Compliance
Some cards marketed to Europeans operate through offshore entities that are not MiCA-regulated. This matters if something goes wrong - MiCA-regulated issuers must segregate customer funds and provide clear dispute resolution. Offshore issuers have no such obligation. Check the issuer's license before loading significant funds. Licensed EEA issuers include Plutus (UK/EU), Gnosis Pay (Germany), and all major exchanges with EU entity registration.
3. Country-Specific Tax Treatment
Your country's tax rules determine the optimal funding strategy for your card:
| Country | Crypto Tax Model | Best Card Funding Strategy |
|---|---|---|
| Germany | Exempt after 1-year hold | Stablecoins for spending; hold BTC 1yr+ |
| Portugal | 28% on gains (365-day exemption) | Stablecoins for daily use |
| Netherlands | Wealth tax (no CGT on disposal) | Any asset - no disposal tax |
| France | Flat 30% on crypto gains | Stablecoins to minimize events |
| Italy | 26% on gains above EUR 2,000 | Stablecoins unless under threshold |
These differences should influence whether you spend BTC (triggering disposals) or stablecoins (near-zero gain). Dutch residents can spend BTC freely since the Netherlands taxes wealth, not individual disposals. German residents should fund with stablecoins or hold BTC for over one year before spending.
Frequently Asked Questions
How many crypto cards work in Europe?
We track 34 active crypto cards available to EEA residents - the widest selection of any region globally. This includes exchange-linked cards, self-custody options, and Europe-first products like Plutus.
Do I pay FX fees on EUR purchases?
Within the eurozone, EUR-to-EUR transactions incur zero FX fees on virtually every card. The FX question matters for non-euro EEA countries (Sweden, Poland, Denmark) or when shopping from non-EUR merchants. Look for cards with explicit 0% FX markup.
What does MiCA regulation mean for my card?
MiCA (Markets in Crypto-Assets) requires licensed issuers to segregate customer funds, maintain capital reserves, and provide dispute resolution. A MiCA-licensed card issued in Lithuania is legally valid across all 30 EEA states. It is the strongest consumer protection framework for crypto cards anywhere.
Which European crypto card has the highest cashback?
Bybit Supreme reaches 10% for top VIP tiers. Plutus offers up to 9% with PLU staking (plus subscription rebates). Bitget, COCA, and Wirex Elite all hit 8%. Binance is no longer available in the EEA. Without staking or VIP status, expect 1-3% base rates.