Conditions explained in plain language, with sources to check and gaps made visible.
Explore these profiles by use case. Highlights are not a universal ranking; check costs, custody and eligibility before deciding.
USDC · USDT · Virtual
0% fee on USD spend · 1% FX conversion · Up to 3% spending credit
We may earn a commission when you use this link.
mUSD · wETH · EURe · Linea
Debits directly from MetaMask wallet balance · 1% to 3% in mUSD · Linea network
We may earn a commission when you use this link.
BTC · ETH · EURx · USDx
Dual Debit & Credit mode · 0.5%–2% crypto cashback · 0 inactivity fees
We may earn a commission when you use this link.
Spending dollars or euros from stablecoins feels like cash until you look at the settlement math. Between internal conversion spreads, foreign exchange markups, and merchant DCC, typical transactions can incur 1% to 6% in friction.
While stablecoins track $1.00, card issuers frequently apply a 0.5% to 2% conversion spread when liquidating tokens to fiat at point-of-sale.
Always choose to be charged in the merchant's local currency. Accepting terminal conversion (DCC) embeds an unnecessary 3% to 7% surcharge.
Self-custody cards debit your smart contract wallet in real-time, eliminating issuer insolvency risk, while custodial cards offer instant off-ramping from exchange balances.
For 0% fee USD spending, choose Cashi. For non-custodial decentralized spending on Linea, choose MetaMask Card.
Understand how each card spends, charges and rewards before choosing.
Compare cards by custody model, payment networks, and supported balances.
Categories summarize recorded balances. Check specific assets and networks in the profile.
Fiat*: crypto is converted into a fiat balance when deposited or loaded, before purchases. See the program terms in the profile.
GLOBAL
Important: this is a general editorial notice, not legal advice. It does not replace terms issued by a provider or advice from a qualified professional. Last editorial review: September 18, 2026.
SpendCrypto provides general educational and editorial information. Nothing here is financial, investment, legal, tax, accounting, or credit advice; an offer or solicitation to buy a security or crypto asset; or an individualized recommendation in any jurisdiction. SpendCrypto is not a bank, card issuer, payment institution, broker-dealer, investment adviser, exchange, custodian, or money transmitter and does not hold or move user funds.
Crypto assets, linked cards, wallets, exchanges, smart contracts, and payment providers involve market, custody, counterparty, operational, cybersecurity, liquidity, tax, and regulatory risks. Values can change sharply; access can be restricted; transactions may be irreversible; and protections or insurance applicable to conventional accounts may not apply. Assess your circumstances and obtain professional advice where appropriate.
We aim to cite and date material information, but we do not warrant that content is complete, current, or error-free. Fees, spreads, assets, rewards, limits, eligibility, and availability can change without notice and may differ by user or location. Verify every material term directly with the provider before acting. Third-party sites and services are governed by their own terms and privacy notices.
We may earn a commission when you use this link.
Unless expressly stated, SpendCrypto is not sponsored, endorsed by, or affiliated with any product, issuer, network, exchange, or regulator mentioned. Names and marks belong to their owners and are used for identification. To the maximum extent permitted by applicable law, the site is provided “as is” without warranties; nothing in this notice excludes rights or liabilities that cannot lawfully be excluded, including mandatory consumer rights.
Content is not intended as a regulated securities offering in any jurisdiction. Users remain responsible for applicable local eligibility, reporting, and tax obligations. Contact-form data is used to receive and answer the message, maintain security, and meet legal obligations; it is not a newsletter opt-in. You may request access, correction, or deletion through the contact form, subject to lawful retention duties.
