Bitcoins are so much easier to carry around and spend when you have your own debit card. With cryptocurrency becoming increasingly popular, users are urged to carry them around for convenience. They are as ubiquitous as credit cards and are a preferred form of payment in many merchants these days.

However, it is important to find the right kind of debit card that includes the best features while being secure. You don’t want to have your account hacked by someone who has back-door access to your card. That’s why you should conduct your own research, so that you can find a reliable Bitcoin debit card.

The only downside to having a Bitcoin debit card is the localization of funds. As Bitcoin’s main allure is the decentralization of blockchain, you may have to deposit funds which will be controlled by a third-party like a major credit card company. However, the convenience granted is far superior to any challenges faced.

Here are the best Bitcoin debit cards on the market right now:

Shift Coin

Shift Coin is the first U.S. Bitcoin debit card service and has been innovating itself ever since. By syncing with Coinbase, the card is accepted by more than 38 million merchants across the world and makes it a secure option. It works similar to any debit card, as it is issued in the form of a physical card, but also comes with an app for monitoring balances and transactions.

There’s a $20 fee to purchase a new card, but they offer free conversions from Bitcoin to USD. There’s also a $2.50 fee for fund withdrawal globally (plus any fees the ATM may charge). There’s a fee of 3% for international transactions.

Choose between a Visa or Mastercard, which both come with a $1,000 spending limit and a $750 ATM withdraw if you connect using Dwolla (online payment gateway) or $200 ATM limit if you connect your account to Coinbase.


BitPay is also a safe option as it’s one of the most widely used cards in the world. Since it is a Visa card, you can shop anywhere Visa is accepted. The best part is that you don’t need a special Bitcoin merchant to process your request. Use it at any ATM, not just Bitcoin ATMs.  It’s one of the best ways to merge the crypto and fiat currency divide.

The mobile app can be reloaded with dollars and be ready to purchase in Bitcoin within minutes. Just link it to your normal bank account for transfers. The app also tracks your payments and monitors your balances on the go.

You can use the card online, in-store, or anywhere that you might use a normal debit card. BitPay also offers stablecoin to their customers. The stable coin settlement is called Paxos Standard (PAX) and it joins Gemini Dollars as a settlement option for customers. Essentially, they’re ERC-20 tokens that are pegged to the dollar.


It’s the world’s only Visa card that lets you convert and spend Bitcoin, Litecoin, Ethereum and XRP. You can use them like traditional money, and there are no hidden fees involved.  Connect your card to your cryptocurrency wallets for easy transferring and convert your coins inside the app. Manage your card on your mobile with balance alerts and tracking tools.

Another unique part about the debit card is that you can choose a GBP, EUR, or USD card or choose all three depending on your travelling schedule. It’s also PCI-DSS level 1 certified and 3-D Secure enrolled, making it a highly secured card.

When you spend with Wirex it gives you 0.5% back in Bitcoin, every time you swipe, use an ATM, or make an online purchase. It’s called the Cryptoback program under the Wirex card scheme.

The drawbacks of the card are that they can only be used in the European Economic Area (EEA). They’re not currently available in USA, Asia, etc. Another point to note is that the GBP card is a Visa debit card (bank account and sort code), but the EUR and USD cards are simply prepaid cards. There may be restrictions depending on what card you’re using and how you’re using them.

However, the good news is that Wirex is coming to North America shortly. They’re partnering with Money20/20 sponsor, i2c Inc. and are entering the U.S. and Canada markets.


Choosing a Bitcoin debit card is just like deciding which bank or credit card to use; you should always look at the cost and accessibility. Fees should be low and rewards should be worth the cost. Also, check to see which currencies the debit card accepts and how easy it is to load fiat and convert to Bitcoin. Some cards are not international friendly, so keep in mind when you travel if your card will be accepted at ATM or shops. Finally, research the companies that are connected to the Bitcoin debit card. This makes the card reliable and secure if it is associated with large financial companies.


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