Best Crypto Cards for Frequent Travelers (2026)
Lounge access and zero FX fees for seamless spending across borders.
Top Cards for Frequent Travelers
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Avici Platinum Card
Avici Signature Card
Basic (Midnight Blue)
Bitget Visa Card
Bitpanda Visa Card
Bleap Mastercard
Coinbase Card
Coinbase One Card (Amex)
ether.fi VIP Card
Gemini Credit Card
Gemini Credit Card: Solana Edition
Kraken Card
KuCard Visa Debit
MetaMask Metal Card
MetaMask Virtual Card
OKX Mastercard Debit
Plus (Ruby Steel)
Prime
Private (Icy White / Rose Gold)
Private (Obsidian)
Pro (Royal Indigo / Jade Green)
Tria Premium Card
Tria Signature Card
Tria Virtual Card
Uphold Mastercard Debit
Wirex Elite Card
Wirex Standard Card
Curated for Frequent Travelers
27 matching cards
Filtered by lounge access, no fx fee
Your Amex Platinum costs $695/year and charges 2-3% on foreign transactions. A crypto card charges 0% FX and pays you cashback on top. If you spend $4,000/month across international destinations - business trips, conferences, holidays - the FX savings alone are worth $1,200/year before counting rewards. Add lounge access that rivals Priority Pass, and the math is not close.
Every card on this page converts your stablecoin balance to the local currency at the interbank rate with zero markup. Yen in Tokyo, pounds in London, reais in Sao Paulo - all at the same rate your bank uses internally but would never give you. The 19 cards here all clear the 0% FX bar. The differentiators are cashback rates, whether lounge access is included, and what the entry cost is (staking, annual fee, or nothing).
Travel Card Comparison: Crypto vs Traditional
| Card | Max Cashback | Annual Fee | FX Fee | Lounge Access | Network | ATM Free Limit |
|---|---|---|---|---|---|---|
| Amex Platinum (trad.) | Points | $695 | 2-3% | Centurion + Priority Pass | Amex | N/A |
| CRO Obsidian | 5% | CRO stake | 0% | Priority Pass + guest | Visa | $1,000/mo |
| CRO Icy White | 4% | CRO stake | 0% | Priority Pass + guest | Visa | $800/mo |
| Bitget Visa | 8% | Free | 0% | No | Visa | Varies |
| Bitget Visa | 8% | Free | 0% | No | Visa | Varies |
| Wirex Elite | 8% | $360 | 0% | No | Visa | $1,000/mo |
| Tria Premium | 6% | $250 | 0% | No | Visa | Unlimited |
| OKX Mastercard | 5% | Free | 0% | No | Mastercard | Varies |
| Coinbase Card | 4% | Free | 0% | No | Visa | Varies |
| Uphold Mastercard | 4% | Free | 0% | No | Mastercard | Varies |
The table reveals the core trade-off: CRO Obsidian and Icy White are the only cards combining cashback, lounge access, and 0% FX in one product - but they require CRO staking. If you want lounge access without staking, pair a high-cashback card (Bitget at 8%, Wirex Elite at 8%) with a standalone Priority Pass membership ($99-$469/year depending on tier). The crypto card's FX savings typically cover the Priority Pass cost and then some.
What Frequent Travelers Need in a Crypto Card
Zero FX fee across all currencies - not just major pairs
Airport lounge access through Priority Pass or equivalent network
Apple Pay or Google Pay for contactless transit taps (London Tube, Tokyo Metro)
ATM withdrawals with a free monthly allowance
No need to pre-load specific currencies - auto-convert at point of sale
Top 10 Cards for Frequent Travelers
1. Private (Obsidian)
The Pinnacle: 5% Cashback + Private Jet Perks
2. Bitget Visa Card
The Trader's Daily Driver: Instant Crypto Spending
3. Wirex Elite Card
Elite Travel Status: 8% Rewards + Priority Support
4. Prime
The Apex: 8% Uncapped CRO Rewards + Private Account Manager
5. Tria Premium Card
Ultimate Web3 Luxury: 6% Cashback + Zero ATM Fees
6. OKX Mastercard Debit
Your Crypto, Your Way: Spend with OKX Mastercard
7. Coinbase Card
Safe & Simple: US Regulated Spend with 4% Back
8. Coinbase One Card (Amex)
Elite US Credit: 4% BTC Rewards + Amex Protection
9. Gemini Credit Card
Category Crypto Rewards: 4% Gas, 3% Dining, 2% Groceries
10. Gemini Credit Card: Solana Edition
Auto-Staked SOL Rewards: 4% Category Cash Back + ~6% Staking Yield
What $4,000/Month Looks Like
$320
/month in cashback (based on Bitget Visa Card at 8%)
Business traveler spending $4,000/month across international destinations: $2,000 on hotels and flights, $1,000 on meals and transport, $1,000 on conference expenses and shopping.
| Card Setup | FX Cost | Cashback/mo | Lounge Value | Annual Total |
|---|---|---|---|---|
| Amex Platinum ($695/yr) | -$100/mo (2.5%) | Points | $600 (15 visits) | -$695 fee - $1,200 FX + points + $600 lounge |
| CRO Obsidian (0% FX, 5%) | $0 | +$200 | $600 (Priority Pass) | +$3,000 |
| Bitget (0% FX, 8%) + Priority Pass ($469) | $0 | +$320 | $600 (15 visits) | +$3,371 |
| Wirex Elite (0% FX, 8%, $360/yr) | $0 | +$320 | $0 (no lounges) | +$3,480 |
| Tria Premium (0% FX, 6%, $250/yr) | $0 | +$240 | $0 (no lounges) | +$2,630 |
| Bank debit (2.5% FX, 0% back) | -$100/mo | $0 | $0 | -$1,200 |
The swing between a 2.5% FX bank card and a Bitget + Priority Pass setup is $4,571/year on the same spending. Even without lounge access, Wirex Elite at $3,480/year net value outperforms the Amex Platinum on pure economics. The Amex still wins on travel insurance and purchase protection - which is why many frequent travelers carry both: Amex for flights and hotels (for the insurance), crypto card for everything else (for the cashback and 0% FX).
Multi-Card Strategy for Frequent Travelers
Role 1: The High-Cashback Daily Driver
Pick the card with the highest cashback rate and use it for every purchase - hotels, restaurants, transport, shopping. Bitget (8%), Wirex Elite (8%, $360/year), and COCA (8% with staking) lead on raw rewards. Tria Premium (6%, $250/year) adds unlimited free ATM withdrawals globally, which is uniquely valuable for travelers who need cash frequently.
Role 2: The Lounge Card
CRO Obsidian (5% + Priority Pass + guest) and Icy White/Rose Gold (4% + Priority Pass + guest) are the only crypto cards that include lounge access directly. If the CRO staking requirement is too steep, buy a standalone Priority Pass Select ($469/year for unlimited visits) and pair it with a free high-cashback card. At 8% cashback on $4,000/month, Bitget earns $320/month - the Priority Pass pays for itself in under two months.
The Two-Network Rule
Always carry one Visa and one Mastercard when traveling internationally. Coverage gaps are real:
| Region | Visa Coverage | Mastercard Coverage | Recommendation |
|---|---|---|---|
| Japan | Strong (except rural cash-only) | Weaker in rural areas | Visa primary, cash backup |
| Western Europe | Excellent | Excellent | Either works |
| Eastern Europe | Good | ATM advantage in some areas | Carry both |
| Southeast Asia | Strong in cities | Weaker in villages | Visa primary, cash for markets |
| US / Canada | Excellent | Excellent | Either works |
| Latin America | Good | Good (growing) | Carry both |
Pre-Trip Funding
Fund with USDC before each trip. No need to buy yen, euros, or pounds in advance. The card converts at the interbank rate at the moment of each transaction. This is simpler than carrying multiple currencies and dramatically cheaper than airport exchange bureaus (which charge 5-10% spread). For ATMs, Tria Premium offers unlimited free withdrawals globally. Other cards typically cap free ATM use at $200-$1,000/month.
Common Mistakes to Avoid
1. Trusting "0% FX" Without Verification
"0% FX fee" means the card issuer charges no markup. But the crypto-to-fiat conversion might happen through a liquidity pool or OTC desk with its own spread. Run a test transaction, check the converted rate against the live interbank rate on XE.com, and verify the numbers match.
| Hidden Cost | How It Works | Annual Impact at $4,000/mo |
|---|---|---|
| OTC spread (0.3%) | Issuer's liquidity provider adds markup | -$144/year |
| Weekend spread (0.5-1%) | Wider spreads when markets are closed | -$240-480/year on weekend spending |
| Off-peak settlement | Card settles at a later, worse rate | Varies |
The fix: make a small test purchase in a foreign currency, check the exact rate you received, and compare it to the interbank rate at that moment. Do this once per card - then you know.
2. No Cash Backup Plan
Your crypto card is useless in these real situations:
- Japan: Many restaurants, temples, and rural shops are cash-only
- Germany: Cash-preference is a cultural norm, especially outside major cities
- Southeast Asia: Street vendors, night markets, tuk-tuks all need cash
- Latin America: Small shops and taxis rarely accept cards
Withdraw cash from an ATM early in the trip when you have time and options. Not at midnight when your hotel only accepts cash and every ATM in the area is out of service. Tria Premium offers unlimited free ATM withdrawals globally. Most other cards cap free withdrawals at $200-$1,000/month - check your limit before departure.
3. Geographic Fraud Flags
If you use your card in London on Monday and Bangkok on Wednesday, an automated fraud system might flag it. A frozen card in a foreign country with no backup is a genuinely stressful situation. Some issuers let you set travel notifications in the app; others require you to contact support.
Prevention checklist:
- Set travel notifications in the card's app before departure
- Carry two cards on different networks (one Visa, one Mastercard) from different issuers
- Keep a small emergency cash reserve in local currency
- Save your card issuer's support number in your phone contacts (not just the app)
- Consider a traditional Wise or Revolut card as a third backup for extreme contingencies
Frequently Asked Questions
Which crypto card is best for international travel?
For combined travel benefits, Crypto.com Obsidian (5% cashback + Priority Pass lounge access + 0% FX) and Icy White/Rose Gold (4% + Priority Pass) are the strongest travel packages. For pure cashback at 0% FX with no staking, Bitget (8%) and Wirex Elite (8%, $360/year) lead.
How does a crypto card compare to Amex Platinum for travel?
Amex Platinum ($695/year) offers extensive lounge access, travel insurance, and hotel perks but charges FX fees on foreign transactions. Crypto cards offer 0% FX (saving $1,000+/year for heavy travelers) and competitive cashback but typically lack travel insurance and purchase protection. Many frequent travelers carry both.
Do crypto cards work at foreign ATMs?
Yes. Every card here runs on Visa or Mastercard, which are accepted at ATMs worldwide. Fee structures vary: some cards offer 2-3 free ATM withdrawals per month, others charge 1-2% per withdrawal. Check your card's specific ATM policy before relying on cash access abroad.
Can I tap my crypto card on public transit abroad?
If your card supports Apple Pay or Google Pay, it works on any contactless transit system - London's Tube and buses, Tokyo Metro, Sydney trains, and most European transit networks. Tap the phone or watch at the reader exactly as you would with any other contactless card.