Crypto debit cards
The most convenient way to spend crypto. You hold crypto on an exchange, and the card automatically converts it to fiat currency (USD/EUR) at the moment of payment.
Crypto.com Visa – free basic tier, 1–5% cashback paid in CRO. Available in most countries.
Binance Card – 0–8% cashback in BNB. Available across the EEA.
Bybit Card – up to 10% cashback in selected categories.
What you can actually buy with crypto
Gift-card marketplaces like Bitrefill – Amazon, Steam, Netflix, Spotify and phone top-ups in dozens of countries.
Travel – Travala (hotels, flights); some travel agencies accept BTC directly.
Online stores – Microsoft (Xbox games, software), Newegg (electronics), Overstock (furniture).
Real estate – luxury apartments in Dubai, Lisbon and Miami accept BTC and USDT.
Gift cards – Amazon, Google Play and the App Store via services such as giftcards.com or Bitrefill.
Tax on crypto payments
In most countries, paying with crypto for goods or services counts as a disposal of that crypto and can trigger capital gains tax, just like selling it.
This also applies to crypto card transactions – tax authorities generally treat the crypto-to-fiat conversion at the point of sale the same way as a sale on an exchange.
Tax rules vary by country – check with your local tax authority or a crypto-savvy accountant. Full guide: Crypto tax guide.
Summary
Today you can buy almost anything with crypto – most conveniently through a Visa/Mastercard crypto card or a gift-card marketplace. Remember that spending crypto is often a taxable event.
Check our exchange ranking – every verified, licensed exchange lets you convert crypto into funds you can spend with a card.
