Banknotes from many different countries scattered across a table

Analysis · Crypto cards

Crypto debit card fees compared, from eight issuers' own fee pages

Published 2026-10-14By the CryptoGuardz Register Desk6 min read13 sources

Photo: Jason Leung / Unsplash

In short, from the documents

Crypto debit card fees compared

Eight crypto debit cards had fee pages that could be read on 14 October 2026. Foreign transaction fees run from 0% to 3%, ATM fees from no card fee to $3 plus 2%, and cashback from none stated to 3% with a $10,000 annual membership. Spending crypto on any of them is a sale for US tax purposes.

Piece published 2026-10-14Reviewed by CryptoGuardz Register Desk, editorial desk

A crypto debit card charges in three places: the conversion from crypto, the foreign transaction fee, and the ATM. Across eight cards whose fee pages were read on 14 October 2026, foreign transaction fees run from 0% to 3%, ATM fees from no card fee to $3 plus 2%, and stated cashback from none to 3%. The card with 3% cashback charges $10,000 a year for it.

The figures below come from each issuer's own fee page, cardholder agreement or help centre, read that day. Six of the 14 cards on the card register are left out of the table because their fee schedule could not be read; they are listed at the end. Nothing here recommends a card.

What does a crypto debit card cost to use?

Usually nothing to hold, something to spend abroad, and something at the ATM. Monthly fees are rare: Coinbase's fee schedule reads "Monthly fee $0", Crypto.com's US agreement says "No charge", and Nexo's page says "no monthly, annual, or inactivity card fees." The cost sits elsewhere.

Card	Region of page read	Annual fee	FX fee	ATM fee	ATM limit
Coinbase Card	US	$0	0%	$0 card fee	$1,000 per 24 hours
Crypto.com	US	$0	0% on 3 tiers, 3% on 4	Free to $200-$1,000 a month, then 2%	$500 to $2,000 a day, by tier
MetaMask Card	Global	$0 or $199 Metal	1% or 0% Metal	2%, Metal free to $1,200 a month	$1,000 a day, $5,000 Metal
KAST	Global	$0, $1,000 or $10,000	0.5%-1.75%	$3 plus 2%	$500 per withdrawal, $1,500 per 24 hours
Nexo Card	EEA	$0	0.2% weekdays, 0.7% weekends	Free to €200-€2,000 a month, then 2% (min €1.99)	Not stated
Wirex	UK, EEA, APAC	Not stated	Not stated	Free to 200 GBP, EUR or SGD a month, then 2%	Not stated
RedotPay	USD card	Not stated	1.2%	2% to $10,000 a month, then 3%	Not stated
Bybit Card	Not specified	Not stated	Not stated	2% above a free monthly limit	Not stated

Nexo's FX figures are for EEA, UK and Swiss cards; its page lists 2% on weekdays and 2.5% on weekends for the rest of the world. KAST says its FX fee may depend on the country of residence, the country of the transaction and the card program, with the rate shown in the app before confirming.

Which crypto debit card has no foreign transaction fee?

Three of the eight, on stated terms. The Coinbase Card's fee schedule reads "International transactions 0%". Crypto.com's US agreement charges no foreign transaction fee on its Obsidian, Frosted Rose Gold and Icy White cards, and 3% on Jade Green, Midnight Blue, Royal Indigo and Ruby Steel. MetaMask's Metal tier shows "No fee" for cross-border use, footnoted "Subject to fair usage"; the free tier pays 1%.

What does the crypto conversion cost?

This is the fee most fee tables leave out, and the one that applies to every purchase. Where it is stated:

MetaMask: stablecoins in the cardholder's own currency carry "No fee"; "Other cryptocurrencies (e.g., wETH)" carry 0.875%.
RedotPay: crypto conversion "1%".
KAST: top-up, card spend and transaction fees all 0%.
Coinbase: the help page says the card can be used "without incurring any transaction fees", then adds "Coinbase does include a spread in the price to buy or sell cryptocurrencies." The spread is not quantified.

A phone calculator on a desk beside printed charts and a finger pointing at a graph — Illustration: working out a fee. The conversion spread applies to every purchase, and this section lists where each card states it. Photo: Jakub Żerdzicki / Unsplash

Paying in a stablecoin matching the card's currency avoids a conversion fee on the cards that state one. Spending a volatile coin does not.

How much cashback do crypto debit cards pay?

The stated range ends at KAST's Private tier, 3% on the first $40,000 a month, for a $10,000 annual membership. Its Standard tier pays 1.5% on the first $2,000 a month for no membership fee. Nexo pays cashback only in Credit Mode and only with more than $5,000 in digital assets on the account, from 0.1% in BTC at the base tier to 2% in NEXO tokens at Platinum. Coinbase's rewards page says "Reward rate is variable. Check your app for the most updated rate." Crypto.com's rewards page was not read for this piece: not verified.

Cashback paid in a token is a variable amount, not a fixed discount, and a membership fee needs heavy spending before a percentage covers it.

Cards left out, and one closing

Six register cards are not in the table. Binance Card and Exodus Card fee schedules were not read; the register records Exodus's Schedule A as not extracted. Plutus and Revolut fee pages were not read today. The Coinbase One Card is a credit card, not debit. Gnosis Pay is closing: its notice says "Your card and the web app will stop working at 23:59 UTC on 20 December 2026."

Is spending with a crypto card a taxable event?

In the US, yes, each time crypto is sold to fund the purchase. Coinbase's own card page says "Each time you use your card and sell cryptocurrency, it is treated as selling property in a taxable transaction." IRS FAQ Q62 treats paying for services with digital assets as a disposal on which gain or loss is recognised. A $4 coffee bought with bitcoin bought cheaply is a small capital gain to report. Spending a USD stablecoin or a dollar balance creates little or no gain. Not tax advice; the IRS page is the source.

Do crypto cards work at casinos?

Often not, and the reason differs by card. Some agreements prohibit gambling, some help centres block it, and some say nothing. The clauses are compared in crypto cards and gambling. Spending without a card, through processors and Lightning, is in how to spend bitcoin.

Quick answers

What do crypto debit cards charge abroad?

From 0% on the Coinbase Card (US) and three Crypto.com US tiers to 3% on Crypto.com's other four tiers. Nexo charges 0.2% on EEA weekdays. Each card entry links its source.

What are crypto debit card ATM fees?

From no card fee on the Coinbase Card, where the ATM operator may still charge, to $3 plus 2% on KAST. Most cards charge 2% above a free monthly amount.

Do crypto debit cards charge a conversion fee?

MetaMask charges 0.875% on coins such as wETH and nothing on matching stablecoins. RedotPay charges 1%. Coinbase charges no stated fee but includes a spread.

Is a crypto debit card purchase taxable?

In the US, each crypto-funded purchase is a sale of property, per Coinbase's card page and IRS FAQ Q62. Not tax advice.

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Sources

About this piece

Compiled by the CryptoGuardz register team from the sources listed above. Research and drafting are AI-assisted and reviewed by a named editor before publication. Nothing here is a recommendation to gamble. If a figure or a reading is wrong, tell us and the correction is logged in public.