Cards & Payments
Best Crypto Cards
Spend crypto at the till. These are regulated payment products wrapped around a crypto balance, so licensing and the real all-in conversion cost carry the weight.
All 4 compared
Sorted by computed score. Column headers carry this category's weighting; the highest score in each pillar is marked. Tap a name for the full assessment.
| # | Service | Score | Custody25% | Cost25% | Regulation20% | Performance15% | Access15% |
|---|---|---|---|---|---|---|---|
| 01 | Gnosis PaySelf-custodial card spending, through a partner app after 20 Dec 2026 | 7.1Solid | 7.6 — best in table | 7.4 — best in table | 8.2 — best in table | 6.6 | 4.8 |
| 02 | Crypto.com Visa CardCashback, if you price the Level Up tier you need | 7.1Solid | 6.6 | 6.2 | 7.6 | 7.8 — best in table | 8.2 — best in table |
| 03 | Nexo CardSpending against collateral without selling the underlying | 6.8Adequate | 6.0 | 6.6 | 7.0 | 7.4 | 7.8 |
| 04 | WirexMulti-currency spending with cashback in USD, not in a token−1 penalty | 6.3Adequate | 7.0 | 6.8 | 7.4 | 7.6 | 8.0 |
The assessments
what each score rests on- 017.1/10
Gnosis Pay
Best for self-custodial card spending, through a partner app after 20 Dec 2026
Company file: Gnosis Pay, owners, incidents →Solid◆ Sources checked · 27 Sept 2026A Visa debit card that spends from a self-custodial Safe on Gnosis Chain rather than an issuer-held balance. The consumer card and web app close on 20 December 2026 as Gnosis Pay moves to B2B; partner apps such as Rebind, Picnic and MiniPay take over the cards. A June 2026 exploit of its Safe modules took about $1.5M, which Gnosis says it covered.
Pillar scores
- Custody & Security25%
- 7.6
- Cost & Fee Transparency25%
- 7.4
- Regulation & Legal Standing20%
- 8.2
- Performance & Reliability15%
- 6.6
- Access & Support15%
- 4.8
Strengths
- Spends from an account you control — no issuer float to freeze or lose
- Funds stay in your Safe and withdrawable after the card closes
- FCA-authorised issuer (Monavate) with clear disclosure
Against it
- Consumer card and web app close on 20 Dec 2026
- June 2026 module exploit (~$1.5M); repaid by Gnosis, per its own post-mortem
- GNO cashback ends for purchases after 30 Sep 2026
Full assessment of Gnosis Pay →solid · 7.1/10 - 027.1/10
Crypto.com Visa Card
Best for cashback, if you price the Level Up tier you need
Company file: Crypto.com, owners, incidents →Solid◆ Sources checked · 27 Sept 2026High headline rewards, priced through the Level Up membership. In the US the free Basic tier pays 1.5% back on the first $250 a month and 1% after; Plus costs $4.99 a month or $500 of CRO staked for 12 months and pays 3.5% on the first $500. Pro and Private go up to 6%. The CRO route is an unhedged position in a token whose supply rules Crypto.com has shown it can change.
Pillar scores
- Custody & Security25%
- 6.6
- Cost & Fee Transparency25%
- 6.2
- Regulation & Legal Standing20%
- 7.6
- Performance & Reliability15%
- 7.8
- Access & Support15%
- 8.2
Strengths
- High headline cashback, up to 6% at the top tiers
- US Basic tier needs neither a stake nor a subscription
- MiCA licence in the EU and US derivatives licences
Against it
- Better tiers need a subscription or 12 months of staked CRO
- Cashback is capped by monthly spend on the lower paid tiers
- CRO supply rules have been changed before (2025 reissue)
Full assessment of Crypto.com Visa Card →solid · 7.1/10 - 036.8/10
Nexo Card
Best for spending against collateral without selling the underlying
Company file: Nexo, owners, incidents →Adequate◆ Sources checked · 27 Sept 2026In Credit Mode the card draws on a loan against your crypto rather than spending it, which avoids a disposal and means each purchase adds to a loan secured by your coins; a sharp drawdown can liquidate collateral you were treating as savings. A Debit Mode spends the balance instead. Nexo returned to the US in February 2026.
Pillar scores
- Custody & Security25%
- 6.0
- Cost & Fee Transparency25%
- 6.6
- Regulation & Legal Standing20%
- 7.0
- Performance & Reliability15%
- 7.4
- Access & Support15%
- 7.8
Strengths
- Credit Mode spends without triggering a disposal of the underlying asset
- Debit Mode available if you do not want leverage
- Credit line kept working through the 2022 cycle
Against it
- In Credit Mode each purchase adds to a loan, and a drawdown can force liquidation
- No single fee table; terms depend on NEXO holdings
- Custodial, with certifications rather than a live liabilities report
Full assessment of Nexo Card →adequate · 6.8/10 - 046.3/10
Wirex
Best for multi-currency spending with cashback in USD, not in a token
Company file: Wirex, owners, incidents →Adequate◆ Sources checked · 27 Sept 2026A decade-old multi-currency card with no recorded loss of user funds. Its new Wirex One membership (public since 16 September 2026) pays cashback valued in USD, up to 8%, with no lock-up, but your tier depends on how much of your portfolio sits in WPAY, Wirex's own token.
Pillar scores
- Custody & Security25%
- 7.0
- Cost & Fee Transparency25%
- 6.8
- Regulation & Legal Standing20%
- 7.4
- Performance & Reliability15%
- 7.6
- Access & Support15%
- 8.0
Deductions applied
- −1.0Undisclosed cost. A material cost of using the service is documented somewhere other than the fee schedule — in the terms, in a help article, or in a condition attached to a reward — where a user pricing the product would not find it.
Strengths
- Cashback valued in USD, up to 8%, with no lock-up
- Competitive FX markup on major currencies
- Over a decade with no recorded loss of user funds
Against it
- Wirex One tier depends on how much WPAY you hold
- WPAY thresholds are in the litepaper, not on the membership page
- Crypto balances are not safeguarded like e-money
Full assessment of Wirex →adequate · 6.3/10
Crypto cards are regulated payment products wrapped around a crypto balance, which makes them the most conventional thing we rate and the one where the marketing is furthest from the maths. The headline is always cashback; the number that decides whether the product is any good is the all-in cost of a transaction including the FX markup. That number is in the published fee schedule and the reward terms rather than on the landing page, so that is where we read it.
Frequently asked questions
Is crypto card cashback actually worth anything?+
Sometimes, and much less often than the headline rate implies. Work out the FX markup and any staking requirement first: a five per cent reward funded by locking several thousand pounds of a volatile token, on a card with a two per cent FX spread, is usually worse than a boring bank card. That calculation is exactly what the cost pillar performs.
Why is compliance weighted at twenty per cent here?+
Because these are payment products, not crypto protocols. There is a real issuer, a real e-money licence and a real regulator you can complain to — and if the issuer fails, whether your balance was segregated is the difference between an inconvenience and a loss.
What is the safest way to spend crypto?+
Structurally, from an account you control rather than a float held by a company — which is the design Gnosis Pay proved. Its own consumer card closes on 20 Dec 2026, and the same rails continue through partner apps. Everything else here asks you to hold a balance with an issuer, and that is a counterparty exposure the rewards are supposed to compensate for.
Assessed by
Blockchain Security Researcher · September 27, 2026