You've built a crypto portfolio. You're booking flights. But when you land in a new country and try to spend your digital assets at a café or hotel, the friction hits: exchange rates, conversion delays, and fees that quietly drain your wallet. Crypto debit cards were built to solve exactly this — they turn your crypto into spendable fiat at the point of sale, everywhere Visa or Mastercard is accepted.
The catch? Not all cards are created equal for the things actually worth buying on the road. Some charge punishing FX spreads. Others gate their best perks behind massive staking requirements. We dug into the documentation and independent reviews to find the three crypto debit cards that make the most sense for international travelers right now.
The Quick Comparison
| Feature | Bybit Card | Crypto.com Visa | Coinbase Card |
|---|
| FX Fee | 1% | 3% | 0% (USD), variable for other currencies |
| Conversion Fee | 0.9% | Variable by tier | None for USD |
| ATM Withdrawal | Up to $1,000/day free | Up to $1,000/month (varies by tier) | Supported, no fee from Coinbase |
| Primary Reward | Up to 10% cashback + subscription rebates |
Bybit Card — Best for Low Fees and High Rewards
If you're a frequent international traveler — digital nomad, remote worker, or just someone who crosses borders regularly — the Bybit Card is the most cost-effective option on the market. It charges just 1% on foreign exchange and 0.9% on crypto-to-fiat conversion, which is dramatically lower than most competitors.1
The rewards structure is where it gets interesting. Bybit offers up to 10% cashback on purchases, plus subscription rebates that effectively reduce your monthly costs if you're already using Bybit's ecosystem.1 The card works anywhere Visa or Mastercard is accepted, which is essentially everywhere. Strong in-app controls let you freeze the card, set spending limits, and track transactions in real time — essential when you're hopping between countries.
Best for: Travelers who prioritize low fees and cashback over luxury perks.
Get the Bybit Card →
Crypto.com Visa — Best for Luxury Travel Perks
The Crypto.com Visa Card is the choice for travelers who want their wallet to unlock more than just spending power. Higher-tier staking levels grant airport lounge access (plus a guest), a private account manager, and concierge services.2 For anyone who spends significant time in transit, lounge access alone can justify the card.
Cashback ranges from 0% to 10% depending on your staking tier and CRO holdings.2 The trade-off: 3% Forex fees on non-USD purchases are steep compared to Bybit.2 If you're mostly spending in USD or within the US, this matters less — but for multi-currency travel, it adds up.
Best for: Luxury-minded travelers who value lounge access and concierge service over FX cost.
Get the Crypto.com Visa →
Coinbase Card — Best for US-Based Security and Asset Variety
Coinbase's card is the most straightforward option for US-based travelers who want to spend from a broad portfolio without worrying about transaction fees. It supports over 200 digital assets and charges no transaction fees for USD or crypto spending from Coinbase.3
The security story is strong: Coinbase is one of the most regulated crypto platforms in the US, with institutional-grade custody and FDIC insurance on USD balances. For travelers who prioritize knowing their funds are protected above all else, that peace of mind is worth the trade-off in rewards (Coinbase's cashback is generally lower than Bybit's).
Best for: US travelers who want maximum asset compatibility and bank-grade security.
Get the Coinbase Card →
The Trade-Off: Conversion Costs vs. Travel Perks
The real decision comes down to how you travel. If you're a budget-conscious nomad crossing borders every few weeks, the Bybit Card wins on pure math — lower FX and conversion fees mean you keep more of your money. If you're a business traveler spending most of your time in airports and lounges, the Crypto.com Visa turns your crypto into a lifestyle upgrade. And if you're a US-based traveler who wants the widest asset support with institutional security, the Coinbase Card is the safest bet.
As with all crypto-linked financial products, we recommend checking the latest terms and staking requirements before committing — tier structures and fees can change. We may earn a commission if you sign up through our links, which helps us keep testing and comparing the things actually worth buying.
