Comparison shortlists

Best crypto cards for travel: 6 picks by fees and region

The best crypto card for travel depends on where you live. For European residents, Nexo Card charges 0.2% FX on weekdays in the EEA, UK and Switzerland, and Bybit Card under Bybit EU gives a free physical card with 0.5% above the Mastercard rate (both as of 26 Sep 2026). Nexo Card is issued in selected European countries and Argentina (as of 26 Sep 2026). For travelers based elsewhere, RedotPay is the stablecoin pick, with 100+ countries stated and a USD-settled Visa card (as of 24 Aug 2026). Tria is the self-custody pick, Crypto.com Card suits people who want rewards on a paid plan, and Wirex is for keeping fiat and crypto in one card wallet.

Crypto card fees come from three places: the FX fee on foreign-currency spending, the crypto-to-fiat conversion and ATM charges above the free allowance. Compare all three on the same purchase, and travel with a regular bank or money-app card as backup.

At a glance

Pick	Best for	Card payments abroad
Nexo Card	Best overall for European residents	Card payments abroad:0.2% FX on weekdays in the EEA/UK/CH, 2% elsewhere (as of 26 Sep 2026)
Bybit Card	Best free card for EU residents	Card payments abroad:Bybit EU: 0.5% above the Mastercard rate. Global programs: 1%-7% depending on the region (as of 26 Sep 2026)
RedotPay	Best for stablecoin spending outside Europe	Card payments abroad:No RedotPay fee in the card billing currency; 1.2% for another currency (as of 24 Aug 2026)
Tria	Best self-custody crypto card	Card payments abroad:Up to 3% FX fee, plus up to 1% international-transaction fee for cardholders outside the US (as of 31 Aug 2026)
Crypto.com Card	Best for rewards if you already use Crypto.com	Card payments abroad:US: 3% on non-USD purchases and ATM cash for Midnight, Ruby, Jade and Indigo (as of 26 Sep 2026)
Wirex	Best for fiat and crypto in one card	Card payments abroad:Rate and fees depend on the currency pair and liquidity (as of 26 Sep 2026)

Best overall for European residents
Nexo Card
FX costs 0.2% on weekdays in the EEA, UK and Switzerland (2% elsewhere; 0.7% and 2.5% at weekends), and free ATM withdrawals run from about EUR 200 to EUR 2,000 a month by loyalty tier, then 2% (European terms, as of 26 Sep 2026). Credit Mode lets you spend against your crypto instead of selling it, at rates from 1.9% a year.
Watch out: The card serves only selected European countries and Argentina, and the physical card needs a balance above USD 5,000 plus Gold tier (as of 26 Sep 2026).
Check terms Read review
Best free card for EU residents
Bybit Card
Under Bybit EU the virtual and first physical card are free, card payments cost 0.5% above the Mastercard rate, and the first EUR 100 of ATM withdrawals each month is free, then 2% (Bybit EU, as of 26 Sep 2026).
Watch out: Outside the EU the card runs on regional programs with FX fees of 1% to 7% (as of 26 Sep 2026), and your balance sits on the exchange.
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Best for stablecoin spending outside Europe
RedotPay
RedotPay states 100+ supported countries and spends USDT, USDC, BTC, ETH and other coins through a USD-settled Visa card. The virtual card costs USD 10 and the physical card USD 100, with no monthly or annual card fee (as of 24 Aug 2026).
Watch out: Paying in a currency other than USD costs 1.2% plus a 1% crypto conversion fee where it applies (as of 24 Aug 2026), and the service is restricted in the US, Russia, Ukraine, Belarus and other listed jurisdictions.
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Best self-custody crypto card
Tria
Tria is a self-custodial Visa card, so your crypto stays under your control, and card use is marketed in 150+ countries. Cashback runs from 1.5% on the first USD 100 a month (Virtual) to 6% on the first USD 2,000 (Premium), as of 31 Aug 2026.
Watch out: Travel costs are high: up to 3% FX plus up to 1% international-transaction fee, up to USD 2 + 3% per ATM withdrawal and an annual fee of USD 25 to USD 250 by card (as of 31 Aug 2026).
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Best for rewards if you already use Crypto.com
Crypto.com Card
Rewards follow your Level Up plan: in the US, Plus earns 1.5%, Pro 2.5% and Private 3.5% or 4.5% on qualifying spend with monthly caps, while Basic earns none. Free ATM withdrawals are USD 200, 400, 800 or 1,000 a month by tier, then 2% (US, as of 26 Sep 2026).
Watch out: On the US Midnight, Ruby, Jade and Indigo tiers a 3% fee applies to non-USD purchases and ATM cash (as of 26 Sep 2026), which can cancel out the rewards abroad.
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Best for fiat and crypto in one card
Wirex
The free Standard plan includes EUR 200 of ATM withdrawals a month without a Wirex fee in the EEA (GBP 200 in the UK), then 2%, plus Cryptoback from 0.5%. Wirex states 130+ countries (as of 26 Sep 2026).
Watch out: Higher Cryptoback, advertised up to 8%, needs a paid plan (EUR 9.99 or EUR 29.99 a month, as of 26 Sep 2026) and WXT locks, and the exchange cost depends on the currency pair.
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What your trip costs with each card

Enter your trip and the cards are ranked by what they charge in fees, using each card’s published prices for where you live.

Where you live

Where you travel

Currency at the destination

Trip length, months

Card payments in a foreign currency, per month

ATM cash in a foreign currency, per month

ATM withdrawals per month

Share of spending at weekends

Enter foreign-currency amounts at their value in EUR.

Assumes a euro card used in another currency outside Europe, so payments and cash are converted.

For this trip Bybit Card EU costs about 10.50 EUR. Wirex Standard costs 7.00 EUR plus a conversion fee that depends on the currency (the app shows it before you pay). Nexo Card Base has only a virtual card on this plan, so it cannot withdraw cash and is left out of the comparison.

1
Bybit Card EUCheapestEEA (euro account) · Review
Trip total: 10.50 EUR
Per month: 10.50 EUR
Exchange
6.50 EUR
ATM
4.00 EUR
Plan
0.00 EUR
Card
0.00 EUR
crypto conversion extra
Fees as of 26 Sep 2026 · source
2
Wirex StandardEEA (euro account) · Review
Trip total: 7.00 EUR
Per month: 7.00 EUR
Exchange
0.00 EUR
ATM
2.00 EUR
Plan
0.00 EUR
Card
5.00 EUR
+ conversion fee shown in the app
Fees as of 26 Sep 2026 · source
3
Nexo Card BaseEEA (euro account) · Review
Trip total: 21.50 EUR
Per month: 21.50 EUR
Exchange
21.50 EUR
ATM
0.00 EUR
Plan
0.00 EUR
Card
0.00 EUR
virtual card only on this plan: no ATM cash; total covers card payments
Fees as of 26 Sep 2026 · source

Open the full travel card cost calculator

How to choose

Check eligibility for your country of residence first: Nexo serves selected European countries and Argentina (as of 26 Sep 2026), Bybit EU cards go to eligible European residents, and RedotPay is restricted in the US, Russia, Ukraine, Belarus and other listed jurisdictions (as of 24 Aug 2026).
Add up the full cost of a €100 payment, FX fee plus crypto conversion. On RedotPay a payment in euros adds up to about €2.20: 1.2% for a non-USD currency plus 1% conversion (as of 24 Aug 2026).
Decide who holds your funds: Tria is self-custodial, while Nexo, Bybit, Crypto.com and RedotPay are custodial.
If you need cash, compare the free monthly ATM allowance: EUR 100 on Bybit EU, EUR 200 on Wirex in the EEA and about EUR 200 to EUR 2,000 on Nexo by tier (as of 26 Sep 2026).
Keep a regular bank or money-app card on the other network as backup: a compliance review or regional restriction can freeze a crypto card mid-trip.

Related next steps

Comparisons See our methodology

FAQ

Which crypto card is best for travel?

For European residents, Nexo Card (0.2% FX on weekdays in the EEA, UK and Switzerland) or Bybit Card (0.5% above the Mastercard rate under Bybit EU), both as of 26 Sep 2026. Nexo Card is issued in selected European countries and Argentina (as of 26 Sep 2026). For travelers based elsewhere, RedotPay is the stablecoin option, with 100+ countries stated (as of 24 Aug 2026). If you want to hold your own keys, choose Tria.

What fees do crypto debit cards charge?

Usually three: an FX fee when you pay in a currency other than the card’s, a conversion fee when the card sells your crypto, and ATM fees above a free allowance. On RedotPay these are 1.2% for a non-USD currency, 1% for crypto conversion and 2% on ATM withdrawals up to USD 10,000 a month (as of 24 Aug 2026). Some cards also charge to hold the card: Tria’s virtual card costs USD 25 a year (as of 31 Aug 2026).

What is the best crypto card for digital nomads?

One that works in many countries and is not tied to a single region. Tria is marketed in 150+ countries and is self-custodial, Wirex states 130+ countries, and RedotPay states 100+ countries with USD-settled cards. Your country of residence decides whether you can get the card.

Can I travel with only a crypto card?

Carry it as a second card. Nexo, Bybit, Crypto.com and RedotPay are custodial, so a compliance review or regional restriction can block the card. Keep a bank or money-app card such as Wise, Revolut or N26 as your main card.

Which crypto cards have no annual fee?

Bybit Card and Wirex list no annual card fee, and Nexo states no monthly or annual fee (as of 26 Sep 2026). RedotPay has no annual fee but charges USD 10 for a virtual card and USD 100 for a physical one (as of 24 Aug 2026). Tria charges USD 25 a year for Virtual, USD 109 for Plastic and USD 250 for Metal (as of 31 Aug 2026).

Sources

Crypto card balances are not bank deposits, and fees and availability change, so check current terms before you load funds. How we compare