Every week, new stablecoin cards seem to appear out of nowhere. They all look the same, same promises, same perks, same limitations.But amid the noise, a few players truly stand out. Not just for their branding, but for genuine utility: yield on deposits, enhanced privacy, tangible benefits, or smart integration with DeFi.This ranking presents the 10 most relevant stablecoin cards on the market, the ones that actually deliver real, lasting value to users.
They are divided into three key categories:
1. Innovative Crypto Cards -Privacy, Autonomy & DeFi Integration
2. Mainstream Stablecoin Cards -Simple, Reliable, but Limited
3. Crypto Cards for Passive Income - Earn While You Spend
1. Mainstream Stablecoin Cards - Simple, Reliable, but Limited
1.1. Binance Card (VISA)
- 2.5/5Launched by Binance, this card allows users to spend their stablecoins (USDT, USDC, BUSD) directly anywhere Visa is accepted, with instant crypto-to-fiat conversion and BNB cashback rewards.Strenghts:Up to 8% cashback in BNB for users holding 600 BNB over 30 daysInstant conversion between stablecoins and local currenciesATM withdrawals up to €290/dayLimitations:Program suspended in the EEA since December 2023Maximum cashback requires 600 BNB, approximately €170,000 in 2025Funds are custodial, held on Binance rather than user-managed wallets
→ Best suited for users already active within the Binance ecosystem, holding significant balances and seeking to centralize spending and trading.
1.2. Crypto.com Card (Visa)
- 3.5/5One of the most recognized cards in the crypto space, the Crypto.com Visa lets users spend stablecoins while earning cashback and enjoying subscription perks.Strenghts:Up to 5% cashback in CRO, depending on the staking tierSubscription rebates for Spotify, Netflix, and Amazon PrimeEarn up to 12% yield on stablecoins via Crypto.com EarnLimitations:Cashback capped at $25/month for mid-tier cardsSome perks removed by late 2025 (Airbnb, LoungeKey)→ Ideal for active Crypto.com users seeking a balanced card that combines spending, cashback, and competitive stablecoin yields.
1.3. Bybit Crypto Card
- 3.5/5The Bybit Card allows users to spend their stablecoins instantly while earning yield on idle balances within the Bybit Earn ecosystem. It’s designed for traders who want both convenience and return on capital.Strenghts:Access to Bybit Earn, with yields up to 16.25% APY on selected stablecoin savingsInstant conversion from crypto or stablecoins to fiat at payment timeCard availability limited to EEA and UK residents as of 2025Limitations:No cashback program yetCustodial funds, meaning full control remains with Bybit→ Best for active Bybit users or investors who already use Bybit Earn and want to combine trading, yield, and spending from one ecosystem.
Leveraged Crypto Trading – Bybit
1.4. Revolut Crypto Card
- 3/5A simple, mass-market card allowing users to spend their stablecoins directly from the Revolut app.Strenghts:Real-time crypto-to-fiat conversionUser-friendly interface, with over 35 million users worldwideGlobal acceptance on both Visa and Mastercard networks across 150+ countriesLimitations:Almost no cashback (1–2% only with the Metal plan)No yield or DeFi integrationFully custodial funds, managed by Revolut and not on-chain→ Perfect for non-technical users who simply want to spend their crypto conveniently, without managing wallets or dealing with volatility.
2. Crypto Cards for Passive Income - Earn While You Spend
2.1. Nexo Card (Mastercard)
- 4/5The Nexo Card lets users spend their crypto or stablecoins without selling them, while continuing to earn yields, blending payments and savings in one product.Strenghts:Earn up 9% to 14% annual interest on idle stablecoin balances, paid dailyNo monthly or inactivity fees; spending directly from your Nexo balanceCashback of up to 2% in NEXO or BTC on every purchaseLimitations:Interest rate depends on loyalty tier and NEXO staking levelFunds are custodial (stored by Nexo, not in self-custody wallets)Credit line and yield programs vary by region→ Best for users who want their stablecoins to grow in the background while maintaining instant liquidity through an established, regulated platform.
2.2. Wirex Card (Visa/Mastercard)
- 3/5Wirex offers a hybrid multi-currency card bridging traditional finance and crypto. Users can spend both stablecoins and fiat while earning “Cryptoback™” rewards and interest.Strenghts:Up to 8% Cryptoback™ rewards in WXT tokens on purchasesSupports multiple currencies, real-time conversion between crypto and fiat across 61+ million merchantsLow to zero fees: free international ATM withdrawals (within limits) and competitive FX ratesLimitations:Rewards paid in WXT, a volatile utility tokenRegional restrictions and limited customer support reported by some users→ Ideal for frequent travelers and spenders who want to earn crypto rewards effortlessly while managing multiple currencies.
2.3. MetaMask (Mastercard)
- 4.5/5MetaMask merges spending and crypto freedom through its self-custody wallet and global payment card. Pay, swap, and earn, all from one secure place.Strenghts:Fully compatible with your MetaMask wallet, spend crypto anywhere Mastercard is acceptedConnect effortlessly to thousands of Web3 apps and DeFi platformsInstantly swap tokens and manage assets in one placeLimitations:Limited token support and geographic availability→ Perfect for Web3 users and MetaMask holders who want to turn their crypto into real-world spending power, bridging DeFi and everyday life seamlessly.
3. Innovative Crypto Cards — Privacy, Autonomy & DeFi Integration
3.1. Rizon Card
- 3.5/5The Rizon Card bridges payments, privacy, and direct access to DeFi. It connects to a non-custodial wallet (like MetaMask), allowing users to spend stablecoins directly from their own wallet, without any bank intermediary.Strenghts:Full self-custody - funds remain entirely in the user’s walletNear-zero conversion fees on stablecoin transactionsAutomatic yield generation via built-in DeFi integrations (up to 8% APY)Simple interface with family extensions, enabling multiple linked cards from one walletLimitations:No direct fiat on-rampCurrently supports USDC and USDT on Ethereum and Polygon→ Best for DeFi-native users who value privacy and want full control of their assets while enjoying the flexibility of card payments.
3.2. Blanq Wallet (Visa)
- 3.5/5Blanq Wallet combines a sleek crypto card with a powerful non-custodial wallet — letting you spend, save, and earn with total control over your assets.Strenghts:Spend crypto anywhere Visa is accepted, directly from your walletEarn up to 3% cashback on eligible purchasesFull self-custody, you keep control of your private keysSupports multi-chain assets and real-time balance conversion
3.3. Deblock Card
- 2.5/5A fresh European project, the Deblock Card focuses on user experience and modular features. It merges payments, stablecoin yield, and customizable perks like travel benefits or app subscriptions.Strenghts:Up to 10% APY on stablecoin deposits through the Deblock appFlexible cashback by spending category (up to 3%)Instant DAI or USDC conversion to fiat at checkoutPlug & play interface for connecting external wallets or exchangesLimitations:Service still expanding (available in France, Portugal, Germany)Some yields require locked depositsLimited transparency so far on data privacy and governance→ Best for users seeking a simple, profitable crypto card with DeFi access - without giving up the convenience of a centralized app.
