Cryptocurrencies are steadily becoming a mainstream financial tool, and one of the most convenient ways to use them is through Mastercard crypto cards. These cards offer a seamless way to spend your digital assets, allowing you to convert cryptocurrency into fiat currency instantly when making purchases or withdrawing cash from ATMs.

With global acceptance and user-friendly features, Mastercard crypto cards bridge the gap between the world of digital assets and everyday financial transactions. In this guide, we’ll explain how these cards work, the key features to look for, and the benefits and downsides of using them. Ready to simplify your crypto spending? Let’s dive in!

Instantly* earn crypto back on every swipe with no annual fee

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Supported cryptocurrencies

50+

Cashbacks

4% back in crypto on gas purchases, 3% back on dining, 2% on groceries, and 1% on all other transactions

Enjoy a 33% discount on the card fee when purchasing with VERSE and look forward to exclusive rewards for VERSE holders.

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Global Accessibility

Use your crypto holdings at over 37 million merchants worldwide and withdraw cash from ATMs globally.

Cryptocurrency Top-Ups

Top up your V-Card using BTC, BCH, ETH, USDC, USDT, and VERSE directly from the Bitcoin.com Wallet app.

Enhanced Security

Enjoy features like card freezing, spending limits, and real-time transaction alerts for secure spending.

Seamless Integration

Easily manage your V-Card through the Bitcoin.com Wallet app, ensuring a smooth user experience.

Spend crypto with MetaMask via Mastercard-compatible platforms

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Mastercard Compatibility

Spend crypto at millions of Mastercard merchants

Multi-Network Support

Use Ethereum Binance Smart Chain and Polygon seamlessly

Secure Key Management

Control private keys with hardware wallet compatibility

DeFi Integration

Connect to decentralized platforms for crypto spending

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Best Mastercard Crypto Cards in 2025

Gemini Review

Advertiser disclosure: This is sponsored content and we may receive a referral bonus if you apply for the Gemini Credit Card. It does not influence our evaluations or recommendations and our opinions are our own.

The Gemini Credit Card is the only instant* crypto rewards credit card that provides a seamless way for consumers to acquire bitcoin, ethereum, or 50 cryptos back on every transaction.

Cardholders earn 4% back on gas and EV charging**, 3% back on dining, 2% crypto back on groceries, and 1% crypto back on all other purchases, with rewards automatically deposited into their Gemini account.

Additionally, they can change their selected crypto reward as often as they like which allows them to earn a wide variety of cryptocurrencies over the course of each month.

Cardholders will be able to use the Gemini Credit Card anywhere Mastercard is accepted and can choose from among 50+ types of cryptocurrencies currently supported for rewards on Gemini's exchange platform, including bitcoin, ether, dogecoin and other tokens.

Additional features of the Gemini Credit Card include:

No annual fees: The Gemini Credit Card has no annual fee and no foreign transaction fees***. There are no exchange fees to receive crypto rewards****.

Instant access: After approval, customers can instantly access a digital version of their Gemini Credit Card on the Gemini mobile or web application. In addition, consumers can add the card to their mobile wallet and begin making purchases online, in-app, and at the point of sale.

Security-first design: Sensitive information, such as the 16-digit card number, is removed from the physical card and only accessible to cardholders via the Gemini mobile or web application.

Stainless steel: The Gemini Credit Card's sleek, stainless steel card is made from 75% recycled material and is available in three color options including silver, rose gold, and black.

World Mastercard® Benefits: Customers can receive access to exclusive offers with select merchants such as Lyft, Instacart, and ShopRunner, as well as Mastercard's Priceless® Experiences. The Gemini Credit Card will include advanced security features including Mastercard ID Theft Protection™, Zero Liability and Price Protection.

Disclosures:

*Issued by WebBank. Some exclusions apply in which rewards are deposited when the transaction posts.

**4% back is available on up to $200 in spend per month (then 1% on all other Gas at the pump and EV charging purchases that month). Spend cycle will refresh on the 1st of each calendar month.

***Rates & Fees apply.

****Fees may be incurred for selling or converting your crypto rewards.

Supported cryptocurrencies

50+

Cashbacks

4% back in crypto on gas purchases, 3% back on dining, 2% on groceries, and 1% on all other transactions

Instantly* earn crypto back on every swipe with no annual fee

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Verse Card

The Bitcoin.com V-Card bridges the gap between digital currencies and traditional finance, allowing users to spend their crypto assets effortlessly. With support for multiple cryptocurrencies, global merchant acceptance, and robust security features, the V-Card offers a comprehensive solution for everyday spending. VERSE token holders benefit from exclusive perks, making the V-Card an integral part of the Bitcoin.com ecosystem.

Perks

Spend crypto at over 37 million merchants and withdraw cash from ATMs worldwide.

Top up your V-Card with BTC, BCH, ETH, USDC, USDT, and VERSE.

Benefit from enhanced security features like card freezing and spending limits.

Enjoy exclusive rewards and discounts as a VERSE token holder.

Manage your V-Card seamlessly through the Bitcoin.com Wallet app.

Global Accessibility

Use your crypto holdings at over 37 million merchants worldwide and withdraw cash from ATMs globally.

Cryptocurrency Top-Ups

Top up your V-Card using BTC, BCH, ETH, USDC, USDT, and VERSE directly from the Bitcoin.com Wallet app.

Enhanced Security

Enjoy features like card freezing, spending limits, and real-time transaction alerts for secure spending.

Exclusive VERSE Holder Benefits

Receive special rewards and discounts when purchasing the V-Card with VERSE, including a 33% discount on the card fee.

Seamless Integration

Easily manage your V-Card through the Bitcoin.com Wallet app, ensuring a smooth user experience.

Enjoy a 33% discount on the card fee when purchasing with VERSE and look forward to exclusive rewards for VERSE holders.

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MetaMask Card Review

MetaMask Card is a virtual solution for spending cryptocurrencies through the MetaMask wallet integrated with Mastercard-compatible platforms. Designed for Ethereum and ERC-20 tokens it enables seamless transactions at millions of merchants accepting Mastercard. Available as a browser extension and mobile app MetaMask supports private spending by leveraging non-custodial wallet features and blockchain technology.

Users can connect to decentralized exchanges or partner services to spend assets like Ethereum USDT and Bitcoin at Mastercard-supported merchants. The wallet supports multiple networks including Ethereum Binance Smart Chain and Polygon for flexible transactions. Security is enhanced with private key control and hardware wallet integration ensuring funds remain safe.

MetaMask Card is ideal for crypto users seeking to spend digital assets with Mastercard convenience. Its integration with thousands of dApps and support for token swapping make it a versatile tool for modern payments.

Perks

Spend crypto at Mastercard merchants via partner platforms

Non-custodial wallet ensures full control over funds

Supports multiple networks for flexible spending

Integrates with decentralized apps for seamless transactions

Mastercard Compatibility

Spend crypto at millions of Mastercard merchants

Multi-Network Support

Use Ethereum Binance Smart Chain and Polygon seamlessly

Secure Key Management

Control private keys with hardware wallet compatibility

DeFi Integration

Connect to decentralized platforms for crypto spending

Spend crypto with MetaMask via Mastercard-compatible platforms

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What Are Mastercard BTC & Crypto Cards?

Mastercard crypto cards allow you to spend cryptocurrency in much the same way as traditional debit or credit cards. When you use one of these cards, it automatically converts your crypto into fiat currency (such as USD or EUR) at the point of sale. Whether you're shopping online, paying for groceries, or withdrawing cash from an ATM, these cards enable you to use your digital assets with ease.

Key highlights of Mastercard crypto cards:

Real-time crypto-to-fiat conversion: The card converts your cryptocurrency into fiat currency instantly when you make a purchase or withdrawal.
Global acceptance: Since it functions as a Mastercard, the card is accepted at millions of merchants worldwide.
Linked to crypto wallets: The card is typically connected to your cryptocurrency wallet or exchange, allowing for easy access to your digital assets.

Mastercard crypto cards make cryptocurrency spending as simple as using a traditional bank card, offering greater financial flexibility.

How Do Mastercard Bitcoin Cards Work?

Mastercard crypto cards are designed for convenience, allowing you to spend your cryptocurrency without having to manually convert it into fiat currency. Here’s how the process works:

1. Link the card to your crypto wallet: Once you receive your Mastercard crypto card, you’ll link it to your digital wallet or cryptocurrency exchange account.
1. Make a purchase: When you use the card to make a purchase, the card provider instantly converts your cryptocurrency into fiat currency at the current market rate.
1. Complete the transaction: The converted fiat currency is used to pay for your purchase or withdrawal, just like with a regular Mastercard.
1. Monitor your transactions: You can track your spending and manage your card through a mobile app, which shows you how much cryptocurrency was converted and spent.

This system allows users to enjoy the benefits of cryptocurrency without the hassle of exchanging it manually before making purchases.

How to Choose the Best Mastercard Crypto Card for You?

Choosing the right Mastercard crypto card means evaluating a few essential features to make sure it aligns with your spending habits and financial goals.

Supported Cryptocurrencies

Not all Mastercard crypto cards support every cryptocurrency. Most cards allow you to spend major cryptocurrencies like Bitcoin, Ethereum, or stablecoins, but if you hold altcoins, check to ensure they’re supported.

Spending and Withdrawal Limits

Most crypto cards have daily or monthly limits on how much you can spend or withdraw. Be sure to check these limits, especially if you plan to use your card for large purchases or frequent withdrawals.

Security Features

Security is a top priority when dealing with digital assets. Look for cards that offer:

Two-factor authentication (2FA): Adds an extra layer of security when making transactions.
Encryption: Ensures that your personal and financial data is secure.
Fraud detection: Helps protect your card from unauthorized transactions.

Choosing a card with robust security features will give you peace of mind when spending your cryptocurrency.

Fees

Mastercard crypto cards often come with fees that can affect your overall spending:

Transaction fees: A fee charged per transaction, either for purchases or withdrawals.
Conversion fees: Fees for converting cryptocurrency into fiat currency.
Maintenance fees: Some cards charge monthly or annual fees to keep the card active.
Foreign transaction fees: If you’re using the card internationally, additional fees may apply.

Understanding the fee structure will help you choose a card that offers the best value.

Benefits of Using Mastercard Crypto Cards

Mastercard crypto cards provide several unique benefits that make them an attractive option for cryptocurrency holders:

Instant Crypto-to-Fiat Conversion

The most significant benefit of Mastercard crypto cards is the ability to instantly convert your cryptocurrency into fiat currency at the time of purchase. This eliminates the need to manually exchange crypto beforehand and simplifies the process of spending digital assets.

Convenient Spending

With a Mastercard crypto card, you can easily spend your cryptocurrency without needing to transfer it to an exchange, convert it into fiat, and then send it to your bank. The card does all the work for you in real time.

Enhanced Security and Privacy

Mastercard crypto cards typically offer strong security features like encryption, 2FA, and fraud monitoring, ensuring your digital assets are protected. Plus, crypto transactions can offer more privacy compared to traditional banking systems.

Global Acceptance

Since Mastercard is accepted worldwide, you can use your crypto card almost anywhere, whether you’re shopping online, dining at restaurants, or withdrawing cash from ATMs. This makes it a versatile tool for both everyday spending and international travel.

Pros and Cons of Mastercard Crypto Cards

While Mastercard crypto cards offer significant benefits, it’s important to consider both the advantages and potential drawbacks:

Pros:

Instant access to funds: No need to wait for exchanges or transfers-your cryptocurrency is converted at the time of purchase.
Global acceptance: Use your card anywhere that accepts Mastercard, both online and offline.
Seamless integration with everyday spending: Easily spend your crypto at millions of locations worldwide.
Strong security features: Many cards come with built-in fraud detection, 2FA, and encryption to protect your assets.

Cons:

Spending and withdrawal limits: Cards often have limits on how much you can spend or withdraw per day.
Crypto volatility: The value of your cryptocurrency can fluctuate, meaning the value converted at the time of purchase may be higher or lower than expected.
Fees: Transaction, conversion, and maintenance fees can add up, especially for frequent users.

Considering these pros and cons can help you decide if a Mastercard crypto card is the right choice for your financial needs.

FAQ: Best Mastercard Crypto Cards

Is it possible to withdraw cash from an ATM with a Mastercard crypto card?

Yes, most Mastercard crypto cards allow cash withdrawals at ATMs, although fees and withdrawal limits may apply. These cards convert your crypto into fiat for cash transactions.

What cryptocurrencies are supported by Mastercard crypto cards?

The supported cryptocurrencies vary by card provider, but they typically include popular options like Bitcoin, Ethereum, and other major altcoins. Check with the provider to see the specific list.

Do I need a specific wallet to use a Mastercard crypto card?

Most Mastercard crypto cards require you to link an eligible crypto wallet. Some providers offer their own wallets, while others allow integration with third-party wallets.

How does a Mastercard crypto card differ from a traditional debit or credit card?

A Mastercard crypto card allows users to spend cryptocurrency directly or convert it into fiat at the point of sale, whereas traditional debit or credit cards are tied exclusively to fiat currency bank accounts.

Can I use a Mastercard crypto card anywhere that accepts Mastercard?

Yes, Mastercard crypto cards are accepted at all merchants worldwide that accept Mastercard, allowing you to spend crypto like any regular cardholder.

Do Mastercard crypto cards offer rewards for spending?

Many Mastercard crypto cards provide rewards programs, where users can earn cryptocurrency cashback, rewards points, or other crypto-related perks based on their spending.

Can I switch between different cryptocurrencies when making purchases with a Mastercard crypto card?

Some Mastercard crypto cards allow you to select which cryptocurrency you want to use for each transaction, while others automatically convert from a default crypto wallet.

How do Mastercard crypto cards handle currency conversion?

When making a purchase, the Mastercard crypto card automatically converts your cryptocurrency into the local fiat currency at the point of sale. The conversion rate and any fees will depend on the card provider.