We cannot say that we have helped to make Bitcoin – or other cryptocurrencies for that matter – more “ palpable”. Granted, you now have the hardware to mine cryptocurrencies and you may have an account or two to trade currencies with each other. Despite everything, Bitcoin is still quite theoretical and does not seem to leave the world of finance. Our last step is precisely the opportunity to glimpse something more concrete.

For once, the innovation did not necessarily come from the United States and as we will soon see, the oldest Bitcoin debit card solution came from the United Kingdom. More generally, when choosing such a card, it is important to check that your country is supported and, in this game, the United States is not always very well off. Thanks to the power of the euro zone, France has ultimately very correct coverage.

Another element to take into account when choosing one platform over another: operating costs. Be careful, some solutions evoke a total absence of commission: beware, there is undoubtedly eel under rock and hidden costs then appear regularly at the time of conversions. We are also not immune to errors at this level, so if you spot a typo, do not hesitate to let us know.

The best bitcoin credit cards

Today, more than fifty cards are on the market. Some are limited to this or that country while others play the card of universality. Still, it is very difficult to have the perspective necessary to advise you on one solution rather than another. However, we have a slight preference for Crypto.com. It is not distinguished by its particularly original features, but rather by the seriousness of the institution. Nothing prevents us from using it as a basis and testing one or two competitors at the same time, but on smaller sums.

Coinbase

On the front of the stage for several years now, Coinbase has always been recognized for its seriousness while several platforms have been found wanting. Initially confined to just Bitcoin, Coinbase has opened up to a nice panel of crypto and is looking to further expand its activities with the distribution of a real Coinbase VISA payment card .

The main interest of such a card is obviously the convenience of using the cryptocurrencies it allows. It is no longer necessary to find a shop that accepts our currencies or to bother to make the conversion beforehand: Coinbase takes care of everything and, VISA certified, its card is accepted almost everywhere. Perfectly optional, this card of course requires having a Coinbase account and the dedicated application on your smartphone ( Android / iOS) since it is from this that you request it, subject to a few very normal checks.

Embily

The Embily card has a number of benefits to claim. The principle is similar to that of Binance, you select the cryptos you want - BTC, ETH (ERC20), USDT (ERC20), USDT (OMNI), TRON or BNB (BEP2) - these are automatically converted into euros and transferred to your card. The virtual card is ready and usable in just 5 minutes, wherever the Visa card is accepted, at physical and online merchants, compatible with Apple Pay and soon with Google Pay. Among the costs to be taken into consideration, 2 € of monthly service costs.

Crypto.com

Unlike most of its competitors, Crypto.com authorizes the use of 7 fiat currencies: in addition to £, € and $, you can also work in Australian, Canadian or Singapore dollars as well as in yen. Even stronger, no less than 53 cryptos are directly supported… we are obviously not going to list them here, but the main ones are obviously included. A flexibility that allows much more freedom in transactions and much more frequent switching between currencies… especially since the fees are particularly low.

Remember that the least expensive card (the Midnight Blue) is free and that there is no commission on withdrawals from distributors, up to a monthly limit of $200. Better, Crypto.com is distinguished by its perks. The five VISAs offered, for example, offer a cashback that rewards the use of the card: your expenses open rights to CRO tokens. Finally, Crypto.com is not limited to the VISA card: an exchange platform, a virtual wallet and investment / credit tools are offered. Be careful though, not all of these services are as easy to access as Crypto.com suggests. We can't advise you enough to fully understand how it all works before you jump in.

Binance

The Binance Visa Card, completely free - no administrative or processing fees - allows you to spend your favorite cryptos at all merchants that accept the Visa card. All you have to do is transfer your cryptos from your Spot wallet to the payment wallet and you're done. Even better, you can get up to 8% cashback on all eligible purchases paid for with your Binance Visa Card. Note that the daily spending limits are €870 for the virtual card and €8,700 for the physical card. The daily withdrawal from ATMs is limited to €290. Point-of-sale and ATM withdrawal transaction fees may also apply, up to 0.9%. Compatible with Google Pay or Samsung Pay.

Cryptopay

Pioneer of the Bitcoin debit card, Cryptopay is based in the United Kingdom, Cryptopay was founded in 2013. In absolute terms, it is a very young company, but on the scale of Bitcoin, it is already figure of old. It started as a simple exchange platform offering an electronic wallet. Today, its debit card solution is one of the most widely used. It also claims more than 30,000 cards issued.

First asset, Cryptopay offers its services in France. More interestingly, the company is particularly transparent about the costs incurred: thus, it will cost €15 for the card itself and €2.25 / €2.75 for each national / international withdrawal. Note in passing that it is not necessary to provide identity documents and thus remain “anonymous”, even if the ceilings for use are then lower. All in all, a good solution, practical and serious.

SpectroCoin

The SpectroCoin card works with all crypto accessible from the wallet of the same name – BTC, ETH, USDT, DOGE, SHIB, XTZ, etc. -. And you have to convert said cryptos into euros before transferring them to the card. The ordering process is quick and easy, so you can use your card anywhere Visa is accepted. A monthly fee of €1.15 is applied. The spending limit per transaction is €7,700 and withdrawals are limited, per day, to €300.

Wirex

For nearly three years, Wirex has been providing a complete solution to cryptocurrency users by first offering them a very versatile account. It is indeed able to manage three fiduciary currencies (£, € and $), but also and above all eight cryptos: Bitcoin, Ethereum, Dai, Litecoin, Nano, Waves, Wollo and XRP. First of all, the interest is obviously to offer a storage platform for its cryptos, a real secure wallet even if its robustness cannot be compared to "hardware wallets".

Even if it is completely optional, the VISA card associated with the Wirex account obviously justifies the presence of the British solution in our file. Unlike many competitors, the Wirex card has a cost: €1.2 per month. On the other hand, it has the immense advantage of allowing the use of any currency – fiduciary or crypto – stored on the account and of entailing a cash-back for each expenditure in store: 0.5% of the amount spent is credited in Bitcoin to your account. We regret, however, that the exact commissions are not as transparent as Wirex would have us believe, but the flexibility is perhaps at this pric