Cryptocurrency has ceased to be solely an investment tool. Thanks to the emergence of the best crypto cards in 2026, spending assets like Bitcoin or other coins has become almost as easy as using cash or a regular credit card. Some users look for the best crypto credit card to earn rewards, while others prefer a crypto debit card that allows them to spend their cryptocurrencies immediately. In any case, these cards are transforming how digital money is used worldwide.
>A crypto debit card instantly converts your cryptocurrencies into local currency at the moment of payment, making it one of the optimal ways to purchase cryptocurrency using a debit card. This means you can pay or conduct a transaction using your Bitcoin, just as you would use dollars or euros. If you want to earn cryptocurrency while shopping, a crypto credit card (including a Bitcoin credit card) rewards you with digital coins instead of traditional points or cashback. Thus, you can grow your cryptocurrency portfolio by paying for groceries or fuel. When choosing a card, factors such as reward size, fees, available currencies, places of use, and security level should be considered.
VentureBurn compiled a list of 13 best crypto debit and credit cards for 2026. The following options stand out:
The Crypto.com Visa Card is one of the most popular crypto debit cards, offering some of the highest cashback rates in the industry. It allows users to spend both cryptocurrency and fiat globally while earning rewards in CRO. For users who stake CRO tokens, the card offers enhanced bonuses and a sign-up bonus.
The card has various cashback tiers: from 0% to 1% CRO for Midnight Blue, from 1% to 2% CRO for Ruby Steel, from 2% to 3.5% CRO plus discounts on Netflix and Spotify for Jade Green / Royal Indigo, and from 3% to 5% CRO plus discounts on Netflix, AmazonPrime, and Spotify for Icy White / Rose Gold. The highest tier, Obsidian / Prime, offers up to 5–8% CRO cashback. Achieving higher tiers requires staking CRO, with minimum ranges from approximately $500 to over $50,000, and CRO must be locked for 6–12 months.
Conversion from cryptocurrency to fiat is 0% for supported assets. Foreign exchange (FX) fees are 0% within limits but can reach 0.5% – 2% outside limits or regions.
Free ATM withdrawals range from $200 to $1,000 monthly depending on the tier, with a total monthly limit reaching $10,000. A 2% fee is charged after exceeding the free limit.
Advantages of this card include up to 8% cashback, placing it among industry leaders, support for over 100 cryptocurrencies, and no annual fees. Disadvantages include the requirement to stake CRO for the best rewards, CRO price volatility, and limited benefits at lower tiers.
The Coinbase Card is a Visa debit card that allows users to spend cryptocurrency directly from their Coinbase balance and receive cashback in crypto rewards. Since it integrates seamlessly with an existing Coinbase account, there is no need to manually transfer funds to a separate wallet before spending. This makes it popular among both beginners and experienced traders looking for seamless real-life portfolio usage.
Tiers are distributed as follows: Tier 1 (under $10,000 in assets) returns 2% in Bitcoin. Tier 2 ($10,000 to $49,999.99) yields 2.5% Bitcoin on the first $10,000 spent per month, and then 2% on the amount above. Tier 3 ($50,000 to $199,999.99) gives 3% Bitcoin on the first $10,000 monthly, and then 2% on the remainder. Tier 4 ($200,000 and above) provides 4% Bitcoin on the first $10,000 monthly and 2% on everything exceeding that amount.
The cryptocurrency liquidation fee is about 2.49% per transaction, and there are no annual fees.
The typical daily ATM withdrawal limit is between $1,000 and $25,000 (depending on the region).
Advantages of the Coinbase Card include no staking requirements, easy integration with the Coinbase wallet, and support for multiple cryptocurrencies. Disadvantages include potentially high conversion fees and variable cashback rates.
The Binance Card allows users to spend cryptocurrency directly from their Binance wallet and receive cashback in BNB. Thanks to the high liquidity and volume of the world's largest exchange, the card guarantees fast and smooth transactions with millions of merchants worldwide. The card automatically converts cryptocurrency to fiat at the time of purchase, eliminating the need for manual exchange.
The cashback mechanism works as follows: for spending under $80 or its equivalent in USDC, you receive 0.5%; for spending from $80 to $400—1%; for spending from $400 to $800—1.5%; and for spending $800 or more—2%–3% cashback.
The transaction fee when converting from cryptocurrency to fiat can reach 0.9%.
For standard users, the daily ATM withdrawal limit is about 290 euros.
Potential advantages include high cashback potential, no annual fee, and direct integration with the Binance wallet. Disadvantages include limited availability in some countries and cashback dependence on holding BNB.
The Nexo Card is a crypto credit card that allows users to take loans collateralized by their cryptocurrency assets instead of selling them. This unique mechanism allows users to maintain the growth potential of their digital assets while gaining access to fiat liquidity for daily purchases. Furthermore, in several jurisdictions, it functions without triggering taxable events, making it an effective spending tool from a tax perspective.
Rewards depend on the percentage of NEXO in the portfolio: Platinum (minimum 10% NEXO) yields 2% in NEXO or 0.5% in BTC; Gold (5–10% NEXO) yields 1% in NEXO or 0.3% in BTC; Silver (1–5% NEXO) yields 0.7% in NEXO or 0.2% in BTC; Base (less than 1% NEXO) yields 0.5% in NEXO or 0.1% in BTC.
Nexo charges a conversion fee of 0.2% when using the card for FX operations in EEA, UK, or Swiss currencies. For all other currencies, this fee increases to 2%.
With the Nexo Card, you can withdraw up to 600 euros or 540 pounds at once. The daily total limit is 2,000 euros or 1,800 pounds, and up to 10,000 euros or 9,000 pounds can be withdrawn monthly.
The main advantages of the card are the elimination of the need to sell cryptocurrency, no annual fees, and a flexible line of credit. However, the card requires crypto collateral, and interest accrues if the balance is not repaid.
Wirex offers a Mastercard debit card that allows users to spend cryptocurrency and earn rewards in WXT tokens. This card is known for its reliable multi-currency capabilities: the app allows seamless switching between various fiat and digital currencies while traveling. It is specifically designed for travelers who wish to avoid high currency exchange fees while maximizing the utility of their cryptocurrency.
Tiers vary: Standard (Free) yields 0.5% – 1% Cryptoback; Premium (€9.99/month) offers 1% – 3% Cryptoback, and the Ultimate tier allows achieving a maximum of 8% Cryptoback. Elite (€29.99/month) allows accumulating from 4% to 8% Cryptoback.
FX fees are around 0% for international transactions, although this depends on the region and currency.
In the EEA region, you can withdraw up to €500 per day and up to €5,000 per month. In the Asia-Pacific region, the daily limit is $1,400 SGD, with a monthly limit of $5,000 SGD. No fee is charged for withdrawals up to £200 – £250 per month; exceeding this threshold incurs a 2% fee.
Advantages of the Wirex Card include support for multiple cryptocurrencies and no annual fees. Disadvantages include lower cashback compared to competitors and the fact that rewards are paid out in WXT tokens.
The KuCoin Card allows users to spend cryptocurrency worldwide using their KuCoin balance. As a card focused on virtual use, it can be issued almost instantly and linked to mobile wallets such as Apple Pay or Google Pay for immediate use. This makes it a very convenient option for users who wish to bypass the waiting period for physical card delivery.
Tiers depend on the share of KCS in the total asset volume: K1 grants an additional 0.5% cashback if KCS constitutes 1% of the total volume; K2 increases cashback by another 1% if KCS is in the 1%–5% range; K3 provides an additional 2% cashback if KCS is 5%–10%; K4 offers a 5.5% cashback bonus if KCS exceeds 10% of the total volume.
International transaction fees range from 0.5% to 1% when using the virtual card. Metal cards completely eliminate this fee, but a 2% charge is applied for transactions outside the Eurozone. Cash withdrawals in Europe cost €2, and abroad, it is 2% of the withdrawal amount plus an additional €2. When paying with cryptocurrency, the Visa exchange rate applies, with no extra fees.
The daily limit is €350.
Pros of the KuCoin Card include good integration with the KuCoin exchange and support for major cryptocurrencies. Cons include limited availability and ongoing global expansion.
The Bybit Card is a Mastercard debit card that offers cashback and seamless cryptocurrency spending. Backed by one of the fastest-growing crypto exchanges, it translates trading profits directly into spendable format with minimal friction. Frequent promotional campaigns also allow users to frequently receive temporary boosts in rewards that easily surpass competitor offers.
Tiers are determined by the following conditions: Tier 1 (Basic) requires no minimum spending and offers basic rewards, usually around 2%, depending on location. Tier 2 (Beta) requires achieving VIP level 1 or 2, or monthly spending of at least $500. Tier 3 (Alpha) is intended for VIP 3 or spending of $3,500 per month. Tier 4 (Apex) requires achieving VIP 4 or spending $9,500 per month, offering the highest standard rates starting from 6%.
When using the Bybit Card and lacking sufficient fiat for purchase, the cryptocurrency is automatically converted to EUR or USD with a 0.9% fee. There are no annual or service fees. The first €100 or $100 withdrawn from an ATM monthly is free, after which a 2% fee is charged.
With the Bybit Card, you can...
Finding the optimal crypto lending platform requires careful daily market analysis. Many investors aim to gain immediate liquidity without selling their valuable assets. Users can unlock capital using various centralized and decentralized applications. Therefore, it is crucial to understand the lending terms and interest rates, as well as check for available registration bonuses.
When choosing a reliable service, ensuring asset security is the top priority. Investors are advised to compare interest rates across different platforms in detail and evaluate exchanges with the lowest fees.
This section presents the best platforms for crypto lending. Choosing the right crypto exchange simplifies the entire financial process.
Nexo offers high daily interest rates for global digital asset investors. The application supports a wide range of digital collateral. Nexo's conditions include: accepting over 40 different crypto assets as collateral, an LTV limit reaching 90%, and loan rates starting from 0%. All users must complete the KYC procedure. Advantages include competitive loan rates and an intuitive interface, but the most favorable terms require holding the native NEXO token.
Binance holds a dominant position in the digital market due to its enormous total financial liquidity and is considered one of the best crypto exchanges for day trading. Binance's terms allow support for hundreds of altcoins as collateral, an initial LTV limit of about 65% for borrowers, and varying interest rates. Pros include massive liquidity and integration with top margin trading exchanges, but the platform can seem too complex for beginners and is subject to regulatory scrutiny.
Aave functions as a highly decentralized financial lending protocol. Users interact directly with smart contracts without the involvement of a central authority. Numerous Ethereum and Layer-2 digital assets are supported. LTV limits depend on the specific cryptocurrency, and interest rates are generated algorithmically. The protocol ensures complete financial privacy and high security, but users sometimes have to pay expensive blockchain network fees and need to use a top crypto wallet.
YouHodler specializes in providing crypto-collateralized loans with high loan-to-value ratios. This platform allows investors to maximize instant liquidity. The service accepts the top 50 coins as collateral, offers LTV limits up to 90%, and very competitive interest rates. Advantages include good LTV ratios and an excellent built-in exchange, although the interest rates here are slightly higher, and the service is unavailable in the United States.
CoinRabbit provides the ability to get an instant crypto loan without tedious identity verification. Users simply deposit funds and almost immediately receive stablecoins. Bitcoin and Ethereum are supported, and the standard LTV limit is around 50%. Interest rates are fixed annual percentages. Main pros include instant borrowing and simple terms, but there are limitations on maximum LTV and the selection of supported altcoins.
Compound is an exceptional decentralized protocol for earning passive income. Users work with algorithmic pools using the best crypto trading bot. Major Ethereum-based ERC-20 tokens are supported, and the LTV ratio fluctuates. Interest rates change dynamically. Compound is fully permissionless and has audited smart contracts, but it faces network congestion issues and does not offer traditional customer support.
KuCoin provides impressive liquidity for small and highly volatile altcoins. Traders use the best crypto signals for precise borrowing planning. The platform supports an incredibly wide variety of altcoins, has an LTV limit of about 60%, and very competitive rates. KuCoin's strengths are being the best platform for using rare altcoins as collateral and flexible loan terms, however, the interface is primarily geared towards experienced professional traders.
MakerDAO allows users to issue DAI stablecoins backed by digital assets. This resilient decentralized system has survived major historical market crashes. The system focuses on Ethereum and Wrapped Bitcoin assets. LTV limits are very conservative, and users pay a variable stability fee upon repayment. The protocol features exceptional security and generates highly liquid loans, but conservative collateral requirements limit the potential borrowing amount, requiring technical knowledge.
Ledn provides transparent proof of reserves for all clients. Users can connect to the best payment system for fiat transfers. Ledn is strictly limited to Bitcoin-backed loans, sets an LTV limit of about 50%, and offers transparent, predictable monthly interest rates. The platform is known as a top source for Bitcoin loans with a very focused approach, but it is not suitable for investors holding altcoins and requires significant minimum amounts for fiat loans.
OKX offers highly customizable lending terms for active global traders. The platform accepts dozens of altcoins and stablecoins as collateral. LTV limits are flexible, and interest rates are determined by the market. OKX supports Bitcoin-backed loans and is known for very fast processing times, but some features are restricted in certain countries, and the interface is not suitable for beginners.
Digital lending involves using coins as secure financial collateral. Users temporarily lock assets to receive stablecoins or fiat currency. There are two types: Centralized Finance (CeFi), which operates like a traditional bank and requires identity verification, and Decentralized Finance (DeFi), which uses autonomous smart contracts without intermediaries.
The LTV ratio determines the maximum capital that can be borrowed by comparing the loan amount to the posted collateral. For example, a 50% ratio means borrowing half the value of the collateral. A margin call occurs when the value of the collateral drops, and the platform demands immediate additional deposits. Failure to meet this requirement leads to automatic asset liquidation.
Lending provides necessary liquidity, allowing users to avoid selling highly valued digital assets, and traders use borrowed funds to execute complex arbitrage strategies. However, the biggest risk is forced collateral liquidation during market downturns, and centralized platforms carry the risk of counterparty bankruptcy.
Platform security is a critical aspect. Centralized companies are required to regularly provide transparent cryptographic Proof of Reserves. Decentralized protocols, on the other hand, must undergo extensive security audits from reputable firms. The cost of borrowing significantly affects the profitability of a trading strategy, so it is necessary to compare annual interest rates.
To take out a loan against crypto assets, several steps should be followed: first, choose a reliable platform (CeFi or DeFi), then securely transfer digital assets to the chosen platform's wallet. Next, select the loan terms and a safe LTV ratio. After approval, the platform immediately transfers the requested funds (stablecoins or fiat). The final step is timely repayment of the loan to unlock the assets, while constantly monitoring the collateral status to avoid sudden liquidation.
Digital asset tax rules vary; using specialized tax software simplifies reporting. Selling assets immediately incurs capital gains taxes, whereas borrowing against collateral is usually not a taxable event. In some jurisdictions, loan interest may be fully deductible from the taxable base when used for investments. In conclusion, reliable financial leverage transforms investment strategies, allowing for huge liquidity without selling assets, but one must always carefully monitor the collateral status and use conservative strategies.
Choosing the optimal decentralized crypto exchange in 2026 depends on several key factors, including liquidity depth, gas fees, security audit history, and the platform's operating model—whether it is an AMM, order book, or aggregator. A list of the best options was compiled based on these criteria.
Hyperliquid stands out as the best choice for high-speed perpetual futures, operating on a specialized Layer-1 with zero gas fees. Uniswap holds a leading position in spot liquidity for ERC-20 tokens, boasting billions in TVL across Ethereum and L2 networks. Curve Finance is ideal for stablecoin swaps due to minimal slippage during large trades involving pegged assets.
dYdX is the best option for decentralized margin trading, offering institutional order types and self-custody capabilities. PancakeSwap is a low-fee option on BNB Chain that includes farming, staking, and gamification features. 1inch acts as an aggregator, routing trades through multiple DEXs to ensure the best execution price. SushiSwap is distinguished by its cross-chain swap capabilities across more than 25 networks with community governance.
0x Protocol serves as a foundational infrastructure layer for developers building DEX-based products via API. IDEX combines off-chain matching with on-chain settlements. ApeSwap focuses on high-yield staking and liquidity mining on BNB Chain and Polygon. Overall, a comparative analysis of major platforms is presented to navigate the crypto decentralized exchange market.
Hyperliquid is built on its own optimized Layer-1 network with a fully on-chain order book and zero gas fees, providing CEX-level execution speed for perpetual contracts without compromising self-custody. This architecture makes it attractive to high-frequency traders. Supported chains include Hyperliquid L1 (with an Arbitrum bridge), and placing/canceling orders incurs no fee. Its advantages are CEX-level performance on-chain and order book transparency, although there are limitations in spot trading compared to AMMs.
Uniswap, the pioneer of the AMM model with billions in TVL, remains the deepest source of spot liquidity in DeFi, operating on Ethereum, Arbitrum, Base, and five other networks. With the introduction of Uniswap v4 and 'hooks,' the platform has become highly customizable. Although fees on the main Ethereum network can be high, deployment on L2 solutions like Arbitrum and Optimism makes it an accessible alternative. Uniswap's main advantages are the highest liquidity for spot assets and complete permissionlessness, but users face impermanent loss risk as liquidity providers.
Curve Finance provides the deepest stablecoin pools in DeFi, guaranteeing near-zero slippage when swapping pegged assets. The specialized bonding curve allows for ultra-low slippage trades between assets of similar value. The platform is critical to decentralized crypto infrastructure, as many yield farmers use Curve to maximize profits. Supported networks include Ethereum, Avalanche, Fantom, Polygon, Arbitrum, and Optimism.
dYdX operates on its own Cosmos application chain, providing institutional-grade margin trading with high leverage and advanced order types while maintaining user control over funds. This platform fills a gap for institutional traders entering the DEX market by offering low fees. Trading on dYdX occurs on dYdX Chain (Cosmos) and Legacy Ethereum.
PancakeSwap is the dominant DEX on the BNB Smart Chain, offering transaction fees measured in cents. The platform integrates token exchange, lotteries, prediction markets, and NFT trading into a single gamified environment. It offers an easy entry point for beginners due to extremely low fees. Supported networks include BNB Chain, Ethereum, Aptos, zkSync, and Base.
1inch, being an aggregator rather than a DEX, scans liquidity simultaneously across Uniswap, SushiSwap, Curve, and dozens of other sources to guarantee the best execution price. It allows routing a single order through multiple platforms, ensuring the most efficient execution. 1inch features include Fusion mode, which enables swaps without gas costs.
SushiSwap supports over 25 networks, allowing users to swap tokens directly between different blockchains via SushiXSwap without needing external bridges. This makes it the best decentralized exchange for managing multi-network portfolios. The platform incentivizes liquidity through the 'Onsen' program.
0x Protocol provides professional API tools and intelligent order routing, serving as the foundation for many DEXs. Through its consumer interface, Matcha, it offers a clean, slippage-free trading experience. It aggregates liquidity, similar to 1inch, but primarily focuses on developer tools.
Choosing the optimal P2P crypto exchange in 2026 depends on several key factors, including the quality of the escrow system, the variety of payment methods, supported fiat currencies, KYC requirements, and dispute resolution speed. A list of the best platforms was compiled based on these criteria.
All listed exchanges provide protection for every transaction through a reliable escrow, support numerous fiat currencies, and offer incentives, such as registration bonuses, to attract new users. There is a convergence between P2P platforms and traditional exchanges. Many leading exchanges are now integrating their P2P crypto markets with advanced features, allowing users to transition directly from P2P trading to spot or even derivatives trading.
This shift blurs the line between P2P and full-fledged exchanges for crypto margin trading. It is now easier to buy cryptocurrency locally and then instantly use it in various trading products while avoiding unnecessary fees.
VentureBurn has presented a selection of the best P2P crypto exchanges. Among them, Best Wallet stands out—a platform that combines a crypto wallet and a P2P market in one application without requiring KYC. Best Wallet supports over 1000 coins and accepts bank transfers, PayPal, cards, and local e-wallets.
There are no fees for P2P transactions on Best Wallet; users only pay network fees or the spread. The platform offers a wide range of payment methods, including bank transfer, PayPal, cards, and local e-wallets. Dispute resolution speed is rated as moderate, depending on the platform's support team. Over 1000 coins and tokens are available, and seller security is based on reputation ratings rather than strict verification.
MEXC is positioned as the most economical option for traders seeking deep diversity without extra costs for P2P access, offering zero fees for P2P trading and thousands of altcoins. The platform is distinguished by its large list of altcoins and almost always having zero fees for both spot and P2P trades. There are no fees for P2P transactions, and payment methods include over 30 options, such as bank transfer and mobile payments. Disputes are handled at the speed of a regular exchange. Basic P2P supports BTC, ETH, USDT, and USDC. Sellers are distributed across levels with specific restrictions.
Advantages include zero P2P fees, thousands of listed altcoins, high liquidity for major pairs, and a reliable mobile application. Disadvantages include regulatory complexities in some countries, fewer payment options compared to leaders, not the fastest customer support, and sometimes low P2P liquidity.
OKX stands out with the widest selection of payment methods in the list, numbering over 900 options. Furthermore, OKX charges zero commission on most P2P trades, providing full access to spot and derivatives trading from a single account. The platform combines advanced trading tools with a strong P2P infrastructure, usually without a fee for P2P trading. P2P transaction fees are zero or very low, especially when using an OKX referral code. Over 900 payment methods are available, including global options and bank transfer. Dispute support is generally reliable. BTC, ETH, USDT, and other coins are available via Express Buy. Sellers undergo standard verification levels.
OKX's strengths include zero fees for most P2P trades, a huge variety of payment methods, deep liquidity thanks to users worldwide, and the presence of spot and derivatives markets in one place. Weaknesses include reports of issues with NGN support in some regions, excessive documentation, support dependency on region, and KYC requirement to access all features.
Binance boasts the deepest P2P liquidity and the largest user base among the platforms presented. The exchange supports over 300 payment methods, provides reliable escrow protection, and has the fastest dispute resolution team in the industry. P2P on Binance is the primary choice for peer-to-peer crypto trading globally, offering deep liquidity and support for numerous fiat currencies. Most P2P trades are commission-free, although market makers may pay up to 0.35% including discounts via the Binance referral code. Over 300 payment methods are available, including bank transfer, PayPal, and mobile money. Disputes are resolved quickly due to the large support team. Numerous coins are supported, such as BTC, ETH, BNB, USDT, and DAI. Sellers undergo verification and receive reputation ratings.
Advantages include perhaps the deepest P2P liquidity, a large number of payment options, reliable escrow protection, and fast dispute resolution. Disadvantages include mandatory KYC for most features, inconsistent fees, regulatory issues that may block access in some countries, and the platform itself can seem complex for beginners.
Bybit suits traders who value fast execution alongside full access to derivatives from a single account, offering zero P2P fees, over 60 fiat options, and a fast, reliable interface. Bybit combines robust derivatives trading and a P2P market where trading fees are usually waived. For those looking for a P2P platform for quick trades, Bybit is an ideal choice. Most P2P trades are free. Over 60 fiat options are offered. Dispute support is fast and reliable. BTC, ETH, USDT, and USDC are supported. Sellers have multi-level verification.
Bybit's positives include no P2P trading fees, a powerful derivatives platform, fast trades, and a smooth interface, along with a proven reputation. Negatives include fewer coins compared to Binance, the need for KYC for full access, a less wide selection of payment options than major players, and variable support speed.
BingX is the most privacy-friendly option on the list, offering zero P2P fees, over 300 payment methods, and no mandatory KYC for basic services. BingX stands out for combining P2P with social trading and automated bots, while the P2P functionality itself remains simple. No commission is charged for P2P trades. Over 300 payment methods are available. Dispute resolution speed is average. The main coin supported in P2P is USDT. Basic verification is required.
BingX's advantages include a large number of payment options, built-in social and copy-trading features, a beginner-friendly pricing policy, and no P2P fees. Disadvantages include only USDT being offered in P2P, low P2P trade liquidity, a smaller established position compared to Binance, and slow support.
KuCoin provides global traders with a reliable selection of altcoins with zero P2P fees and optional KYC, offering over 100 payment options. The KuCoin P2P platform supports many fiat payment methods and does not charge trading commissions. Seller limits depend on the verification level. KuCoin simplifies P2P trading for its global audience. P2P trading fees are zero. Over 100 fiat/payment methods are available. Dispute resolution speed is generally good, although some users report delays. BTC, ETH, KCS, USDT, and USDC are supported. Seller verification is tied to the KYC level.
KuCoin's advantages include free P2P trading, a vast range of payment options, a solid selection of altcoins, and flexibility due to optional KYC. Disadvantages include a smaller P2P volume compared to Binance, some service interruptions in Nigeria, inconsistent support, and P2P limitations before verification.
Bitget is known for its 24/7 customer support and working only with verified sellers, offering zero fees for users with a referral code for BTC, ETH, USDT, USDC, DAI, WLD, and BGB.
