In 2023, Binance made the decision to withdraw its crypto card from the European market, prompting users to search for the best crypto card alternatives available in 2024. Fortunately, there are several crypto debit cards alternatives available in 2024. These crypto cards allow you to make payments using cryptocurrency and even earn crypto rewards when using them for your everyday expenses.
Let’s explore some of the best crypto debit card alternatives to the Binance Card. We’ll consider factors such as supported coins, cashback rewards, and availability to help you choose the card that best suits your needs. Binance may have pulled out its crypto card, but there are still plenty of great options out there! 🌟
Guide summary:
o Plutus Card
o Nexo card
o Crypto.com card
o YouHodler Crypto card
o Kucoin
o Bybit
o eToro
o Coinbase Card
The best crypto debit card in Europe 2024 at a glance
Plutus card: best card for highest crypto rewards. Spend with euros. I'm earning 8% on all I buy plus 11 perks
Nexo card: best card for cashback while being able to earn on staking.
Crypto.com: best card for a combination of cashback and an exchange with low fees.
YouHodler Crypto card: best new card for high rewards on staking and spending.
Kucoin: card with 2% cashback, exchange with low fees and high staking rewards
Coinbase: best fo beginners but lower cashback.
| Available | Spending limit | ATM withdrawal | Fees | Rewards |
Nexo Card  | EU / EEA | Day 10k€, Month 60k€ | Day 2k€, Month 10k€ | - Annual fee: 0€ - Issuance: 0€ - Transaction: 2% foreign currencies | - 2% cashback on everything |
Plutus Card
 | EU / EEA | Day 500k€ | Day 500k€ | - Free FIAT deposit / withdraw- Annual fee: 0€ - Issuance: 10€ - Transaction EU: Free- Transaction abroad: 2% foreign currencies. 0€ in combination with Curve | - Up to 9% cashback on everything (staking 8k€)- Up to 12 perks monthly |
Worldwide | Day 25k€ | Day 25k€ | - Card top-up: 1%- ATM withdrawal 2%- Inactivity 4.95€- Close 50€- Issuance: 4.99€- Foreign transaction 2% | - Up to 2% (staking 4k€)- Up to 5% (staking 400k€...)- Just perks first 6 months for low staking | |
YouHodler Crypto Card | Worldwide | Coming soon | Coming soon | Coming soon | Coming soon |
Kucoin
 | EU / EEA | Monthly 5k€ |
| - Annual fee: 10€ - Issuance: 10€ - Transaction EU: Free - Transaction abroad: 2%- Withdraw: 1.5€ + 2% abroad | - 2% cashback on everything |
Bybit
 | EU / EEA | Day 5k€ | 100€ | - Annual fee: 0€- Issuance: 5€- FX exchange rate: 0.55%- ATM fee 2% after 100 €- Transaction conversion: 0.9% | No cashback! |
eToro  | U.K. | Day 2k€ | Day 2k€ free | - Annual fee: 0€- Issuance: 0€- FX exchange rate: 0.55% | - Cashback < 200€- |
Coinbase Card
 | Worldwide | Day 2.5k€ | Day 2k€ | - Annual fee: 0€- Issuance: 0€-2.49% commissions for conversion -1% withdrawals > 200€
| 0.5% cashback |
How to Choose the Right Crypto Card for you?
Choosing a crypto card, whether it’s a debit or credit card linked to a cryptocurrency account, is an important decision for anyone navigating the world of cryptocurrencies.
To help you make an informed choice, let’s explore the key factors you should consider when selecting a crypto card:
1. Supported Cryptos
Before diving into the crypto card market, take a close look at which cryptocurrencies a card supports. Some cards focus on major coins like Bitcoin (BTC) or Ethereum (ETH), while others offer a broader range of altcoins. Consider your investment portfolio and choose a card that aligns with your preferred crypto assets. Having a higher variety of assets helps you protect from the high volatility of some of the digital currencies.
2. Conversion Fees and Rates
Understanding the fees associated with converting cryptocurrency to fiat currency (such as USD or EUR) is essential. Look for cards that offer competitive exchange rates and minimal fees. Frequent users should pay attention to maintenance fees, annual charges, and any hidden costs.
3. Spending Limits and Withdrawal Fees
Evaluate the daily spending limits imposed by the card. If you plan to use it regularly for everyday expenses, higher spending limits are advantageous. Additionally, check for ATM withdrawal fees—lower fees are preferable to avoid excessive costs.
4. Rewards and Cashback
Crypto cards often come with enticing rewards. Explore options that offer crypto-based perks, such as cashback, discounts, or loyalty programs. These rewards can enhance your overall experience and provide additional value beyond basic transactions. This is in my opinion one of the biggest key points in Europe where the cashback on normal currencies (FIAT) is not yet very extended. However, the cashback options in the crypto world may give you up to 9% on what your daily spending as in the case of Plutus. This means getting back up to 90€ when you spend 1000€ going to the supermarket, restaurants or booking trips.
5. Security Features
Protecting your funds is vital in the world of cryptocurrencies, since you have to protect yourself from possible hackers or fishing emails. Look for crypto cards with robust security features, including:
Two-Factor Authentication (2FA): An extra layer of security to prevent unauthorized access.
Card Freeze Functionality: The ability to freeze or unfreeze your card instantly via a mobile app.
PIN Protection: Ensure your card requires a PIN for transactions.
6. Regulatory Compliance
When choosing a crypto card, consider its compliance with local regulations. Some cards may be restricted in certain regions due to legal requirements. Verify that the card complies with relevant laws and regulations in your country.
7. Customer Support
Fast and reliable customer support is essential. Check if the card issuer provides efficient assistance through various channels (email, chat, or phone). Good customer service ensures a smoother experience during any issues or inquiries. I’ve had several issues when cashback was not obtained, or a transaction didn’t go through or even when I had to proceed with a refund. The customer service of Binance has always been excellent but the one of Nexo and Plutus has not disappointed either. I always got what I wanted, and all problems have been resolved so far.
8. Availability in Your Region
Not all crypto cards are available worldwide. Confirm that the card operates in your region or country. Some cards may have limited availability due to licensing or other factors.
9. User Reviews and Reputation
Research user reviews and feedback about the card. Learn from others’ experiences to gauge reliability, ease of use, and overall satisfaction. A positive reputation is a strong indicator of a trustworthy crypto card.
10. Integration with Existing Wallets
Consider how well the card integrates with your existing crypto wallets or exchanges. Easy connectivity simplifies managing your funds and ensures a comfortable experience. Check whether the card has the option of withdrawing the earned crypto cashback easily or to transform them into FIAT currencies. In Europe you can check whether SEPA deposits and withdrawals are accepted, which are free of charge and take no more than 2 days.
Remember, choosing the right crypto card is about aligning features with your personal preferences and financial goals. Take your time, compare options, and find the card that suits your needs. Happy crypto card hunting! 💳🚀
What’s the best Binance card alternative?
According to my experience, Plutus is the best crypto debit card in Europe in 2024 and therefore the best alternative to Binance. Nexo is a nice second option if you want to combine it with staking and trading. All the presented cards have a good reputation and are easily accessible as binance card alternatives. Here you have my referral links in case you want to create an account and get 10€ / 25€ extra (Plutus, Nexo)
Your personal location, spending habits, crypto holdings, payment locations, and more will all determine the best Binance Card alternative for you. While Binance remains a leading global exchange, a number of Binance alternatives are offering exciting competition as one of the largest crypto exchanges has to deal with regulatory compliance. Regardless of your choice, ensure you understand the terms and conditions when signing up for and using a crypto card.
Our recommended Binance Card alternatives
I have had the Binance card and I really liked that the rewards were automatically given in the Binance coin (BNB), which is one of the top 10 cryptocurrencies in market capitalization and has had huge increases since the introduction of the card.That’s why, I really like the cards that give you rewards on big exchanges such as the one of Nexo. For example, with Nexo, you get 2% on all your spendings with the Nexo card. This 2% is automatically given to you in form of Nexo coin.
However, I also love the cards that are associated to exchanges with high percentage rewards on earning or staking products. That’s the case of YouHodler for example.
Crypto.com has also different cards depending on the amount of CRO you hold. These cards also give you the rewards.
Finally, if you’re aiming for the highest rewards potential per spending this is Plutus. It’s quite new and I’m a user since over a year now. It seems that the coin has yet a low value and therefore I think there’s quite a lot of potential for growing in value. They have the highest rewards of all the other cards when you hold their crypto. For example, when holding 2000 PLU you can get automatically 8% of rewards on all your spendings as well as 11 monthly perks of 10€ value on many companies, including most supermarkets in Europe. In general, they reward people holding their currency with nice rewards such as being able to spend up to 11,000€ per month and earn 8% on your spent amount.
I am currently using Binance, YouHodler, Nexo, Crypto.com and Plutus. I’m happy with the combination of all of them because each of the exchanges provide different advantages. For me, the best card is currently the Plutus one since I have had enough time to accumulate and hold their coin to get a high percentage in rewards and perks.
Here I leave my referral links in case you want to open any of these accounts. Both you and I will get rewarded when you open an account in any of these exchanges.
- Plutus (10€ when you sign up) https://dex.plutus.it/auth/referee/signup?refId=hGqbzs
- YouHodler referral (25€ when you sign up) https://app.youhodler.com/sign-up?ref=8DQ4KLRU
- Nexo referral (25€ when you sign up). https://nexo.com/ref/dqdrxz8jej?src=android-link
- Crypto.com (25€ when you sign up). https://crypto.com/app/gxwuc43rav - Binance referral (100 USDT no fees) https://accounts.binance.info/register?ref=UNXXKQUN
Always look for the fees the card offers and choose the one that best fits your needs, which might differ from the card’s main benefit. For instance, if you want to withdraw funds from an ATM, you might want to choose the card with the lowest ATM fees and largest monthly limit, such as KuCard or Nexo.
If you plan on using your card outside Europe, there will be extra foreign exchange fees, which may be imported by the crypto platform or the card’s payment networks (Visa or Mastercard). Most cards have a 2% fee for foreign exchanges, but Plutus in combination with Curve is actually free. I was actually using this combination when traveling in Asia for 6 months. eToro and Bybit have only 0.5%.
As a summary, if you plan on spending within Europe, mostly pay by card, and easily manage your crypto, then Nexo is one of the best options available today. If you’re more into accumulating the highest rewards, Plutus is one of the best options today.
Comments