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Bitcoin Credit Card Comparison 2019: Here, you will always find an actual overview of the available Bitcoin (BTC) and Crypto Credit Cards.

If you are looking for a Bitcoin Credit Card, there are generally 2 variants:

(1) The Bitcoin Credit Card, which works like a Bitcoin wallet. You can transfer and hold Bitcoin directly to these Credit Cards. Depending on the provider, the conversion of Bitcoins is handled differently:

(a) Credit Cards where Bitcoin is converted into the card currency directly during the payment process (e.g. TenX, Crypto.com). I.e.: When you pay, the corresponding amount is debited to Bitcoin at the current rate. This possibility is convenient, but not pleasant at low rates.

(b) Other providers (e.g. Wirex, XAPO) leave it to you when you exchange the Bitcoins for the card currency. This is done with a mouse click in the app. These cards are ideal if you want to keep your Bitcoins as long as possible to benefit from possible increases in value – you can wait for the best time.

(2) The Bitcoin Credit Card you can top up with Bitcoin. The Bitcoin amount that you load on the card at the time of loading is converted to the current rate and is then available in the Credit Card currency (e.g. Euro). These cards are useful if you want to load the card with a fixed amount every now and then at high rates.

 

(1) Bitcoin Credit Cards with Wallet: You can receive, send and hold Bitcoin:

Crypto.com ⭐⭐⭐⭐⭐

50 USD Sign-up bonus* via this link:
Check now ...
  • Visa, Prepaid Crypto Credit Card
  • Card in various currencies
  • Wallet with various crypto currencies
  • Cashback up to 5%
  • Registration free of charge
  • Currently with 50 USD sign-up bonus
  • Cards already shipped in Singapore and USA
  • depending on card: Loungepass, Netflix, Spotifyand discounts at Expedia and Airbnb
No monthly or annual fees

*Bonus is credited after you complete a valid transaction
Available worldwide
Wirex ⭐⭐⭐⭐⭐

10 USD sign-up bonus* via this link:
Check now ...
  • Visa, Prepaid Bitcoin Credit Card
  • Card in EUR, USD, GBP
  • Wallet with BTC, LTC, EUR, USD, GBP
  • Registration free of charge
  • One-time card issuance: 0,00 €
  • Own IBAN, can be used like a bank account
depends on the region

*Bonus up to 10€, limited to the first 60 days: 5€ bonus when you used your card for the first time, further 5€ bonus if you bought crypto currencies for at least 100€ for the first time
Account worldwide, Card: nearly worldwide
Xapo ⭐⭐⭐⭐⭐

Very good wallet:
Check now ...
  • Visa, Prepaid Bitcoin Credit Card
  • Card in USD, Euro and GBP
  • Registration free of charge
  • Very good and safe wallet, also usable without a card, you should register alone therefore
  • currently: only virtual credit cards, can be used for all online purchases
  • physical cards still in development
Not known yet

Available worldwide
Bitwala

Registration in progress:
Check now ...
  • Mastercard, Prepaid Bitcoin Credit Card
  • Card in Euro
  • Bank account with IBAN, card and wallet
  • Registration free of charge
  • Very innovative concept of a blockchain bank
No monthly or annual fees

For Residents in EU, EEA and Switzerland
TenX

Currently available in South East Asia:
Check now ...
  • VISA, Prepaid Crypto Credit Card
  • Card can be linked to different currencys or wallets
  • Support of Bitcoin, Ethereum, ERC20 Tokens and Dash
  • Registration free of charge
  • One-time card issuance: 15,00 $
Free of charge for active users (10,00 $ per year if less than 1000,00 $ turnover per year)

Available worldwide
CRYPTERIUM

Pre-order:
Check now ...
  • Union Pay, Prepaid Bitcoin Credit Card
  • Card in USD
  • Registration free of charge
  • One-time card issuance: 9,99 $
Basic: 0,00 $ / month Plus: 2,99 $ / month Premium: 8,99 $ / month

Available worldwide
CoinsBank

Affected by Wavecrest. Relauch: Not known yet.
Check now ...
  • Visa, Prepaid Bitcoin Credit Card
  • Card in USD, Euro and GBP
  • Support of BTC, LTC, USD, EUR, GBP, RUB, CHF, AUD, JPY
  • Registration free of charge
  • One-time card issuance: 0,00 €, shipping: 4,95 €, activation: 14,95 €
0,95 € per month (for inactivity: 4,95 € per month)

Available worldwide
Mobi.me

Affected by Wavecrest. Relauch: Not known yet.
Check now ...
  • Visa, Prepaid Bitcoin Credit Card
  • Card in USD, EUR and GBP
  • Registration free of charge
  • One-time card issuance: 19,00 €
2,00 € per month

Not known yet

 

(2) Bitcoin Credit Cards that can be charged with Bitcoin. The paid-in Bitcoins are converted into the card currency (e.g. EUR or USD) during recharging:

Cryptopay ⭐⭐⭐⭐⭐

25% discount on the Cryptopay card over this link:
Check now ...
  • VISA, Prepaid Bitcoin Credit Card
  • Card in EUR, USD or RUB
  • eWallet in USD, EUR, Bitcoin, GBP
  • Registration free of charge
  • One-time card issuance: 15,00 €
1,00 € per month

Available worldwide
AdvCash ⭐⭐⭐⭐⭐

Card available soon:
Check now ...
  • MasterCard, Prepaid Bitcoin Credit Card
  • Card in EUR or USD
  • eWallet in USD, Euro, Rubel, GBP, UAH, KZT, BRL
  • Registration free of charge
  • One-time card issuance: in the first 7 days: € 4.99, thereafter: € 14.99
  • Many charging options
No monthly or annual fees Currently only virtual credit cards, physical cards coming soon

Available worldwide
Revolut ⭐⭐⭐⭐⭐


Check now ...
  • MasterCard oder VISA, Prepaid Bitcoin Credit Card
  • Card in USD, EUR and GBP
  • Own IBAN - use like bank account
  • Virtual, internal support of BTC, LTC, ETH - no sending and receiving of crypto currencies
  • Registration free of charge
  • Excellent app: Registration and administration via app
  • One-time card issuance: 6,00 €
Standard: No Monthly or annual fees Premium: 7,99 € per month

For Residents in EU and USA
Bankera/SpectroCoin


Check now ...
  • MasterCard, Prepaid Bitcoin Credit Card
  • More than 20 deposit options, including Amazon vouchers
  • Wallet and Exchange
  • Card in Euro
  • Registration free of charge
  • One-time card issuance: 50,00 €
1,00 € per month

For Residents in EU and USA
  • MasterCard, Prepaid Credit Card, can also be recharged with Bitcoin
  • Card in Euro, GBP, USD and Zloty
  • Limit of 500,00 € per Bitcoin charge
  • Registration free of charge
  • One-time card issuance: 10,00 €
10,00 € per year

For Residents in the EU
Payeer

Card available soon:
Check now ...
  • MasterCard, Prepaid Bitcoin Credit Card
  • Card in EUR or USD
  • eWallet in USD, EUR, Bitcoin, Rubel
  • Registration free of charge
  • One-time card issuance: 9.99 $
  • Send and receive Bitcoin
No monthly or annual fees Currently only virtual credit cards, physical cards coming soon

For Residents in the EU
Spend.com

Pre-Order:
Check now ...
  • Visa, Prepaid Bitcoin Credit Card
  • Card in USD
  • Different cards (Simple/Preferred/Black) with different, one-time issuance fee
  • Registration free of charge
  • One-time card issuance: 19,00 €
No monthly or annual fees Currently only virtual credit cards, physical cards coming soon

For Residents in EU and USA
WageCan

Here with 20% discount:
Check now ...
  • MasterCard, Prepaid Bitcoin Credit Card
  • Card in USD, EUR and GBP
  • Charging with Bitcoin and Bitcoin Cash
  • Registration free of charge
  • One-time card issuance expensive: 180,00€, no monthly fees
No monthly or annual fees

Available worldwide
Mistertango

Card "coming soon":
Check now ...
  • MasterCard, Prepaid Bitcoin Credit Card
  • Bank account with own IBAN
  • Card in Euro
  • Registration free of charge
  • One-time card issuance: 0,00 €
  • Plus account explicitly allows incoming and outgoing payments from and to Exchanges
Basic account: 0,00 €/ month incl. credit card Account with crypto function: 4,99 €/ month incl. credit card

Available worldwide
Shakepay


Check now ...
  • VISA, Prepaid Bitcoin credit cards
  • Card in EUR or USD
  • Registration free of charge
  • One-time card issuance: 15,00 €
1,00 € per month

For Residents in Canada
Bitnovo


Check now ...
  • VISA, Prepaid Bitcoin Credit Card
  • Card in EUR
  • Registration free of charge
  • One-time card issuance: 20,00 €
1,20 € per month

Level One: Worldwide Level Premium: Spain
Satoshitango

Affected by Wavecrest, relaunch not yet known.
Check now ...
  • VISA, Prepaid Bitcoin Credit Card
  • Card in EUR or USD
  • eWallet in USD, EUR, ARS
  • Registration free of charge
  • One-time card issuance: 15,00 €
  • Buy and sell Bitcoin
1,00 € per month

Available worldwide
Bitpay

For US-Residents:
Check now ...
  • VISA, Prepaid Bitcoin Credit Card
  • Card in EUR, USD, GBP (British Pound)
  • Registration free of charge
  • One-time card issuance: 15,00 $
No monthly or annual fees

Be careful: After the EU cards have been deactivated, the the EU user accounts deleted!
For Residents in the USA
XMLGOLD

Affected by Wavecrest, relaunch not yet known.
Check now ...
  • VISA, Prepaid Bitcoin Credit Card
  • Card in USD and EUR
  • Support of various currencies and deposit options
  • Registration free of charge
  • Very high limits
  • One-time card issuance: free of charge
20,00 € per year, + 1,00 € per month service fee

Available worldwide
Uquid

Affected by Wavecrest, relaunch not yet known.
Check now ...
  • VISA, Prepaid Bitcoin Credit Card
  • Card in USD, EUR and GBP
  • Registration free of charge
  • One-time card issuance: 14,99 €
1,00 € per month

Available worldwide

 


Bitcoin Credit Card – For what?

The problem with Bitcoin (BTC) is that you can only pay directly with Bitcoin at a limited number of acceptance points. A Bitcoin Credit Card can help:

With a Bitcoin Credit Card you can receive and hold Bitcoin, pay and withdraw money anywhere credit cards are accepted. The Credit Cards here work with the debit function: you first load them with Bitcoin, and then you can pay with the card, online and offline. You can learn more about Bitcoin here at wikipedia.

Increased demand and Wavecrest problems at the end of 2017

With the media attention around Bitcoin and crypto currencies in the middle of 2017, the demand for possibilities to use Bitcoin in daily use also increased. One possibility is the Bitcoin Credit Card. With such a credit card, it is possible to pay with Bitcoin wherever credit cards (VISA or Mastercard) are accepted.

Various providers and issuing offices have endeavoured to issue Credit Cards with crypto functions. The payment provider that issued almost all of these cards from the various providers was Wavecrest – a Gibraltar-based provider with both a VISA and Mastercard license. Due to the too „lax“ control and issuance of Credit Cards, Wavecrest first lost its Visa license at the beginning of 2018 and shortly afterwards its Mastercard license as well. The result: There were no more usable Bitcoin Credit Cards on the market.

Hardly any developments in 2018

Since the beginning of 2018, the providers affected by Wavecrest have been working on new ways to issue a Bitcoin credit card. While some providers want to work with new cooperation partners, others are applying for a completely new banking license.

The ICO market will be further regulated in mid-2018. There is already a clear difference between crypto-friendly countries such as Malta, Georgia, Estonia, Russia, Singapore and the like. As well as crypto-critical regimes. Legal advice on blockchain, ICOs and crypto licenses in Malta can be found here.

Wirex is the only provider that manages to launch a working Crypto Credit Card for the German market in 2018. The cards are available and working.

Further developments in 2019

At the beginning of 2019, 3 providers will start onboarding new customers. This KYC process (Know your Customer) is a legal requirement for being able to issue customers with a „Bitcoin Credit Card“ at a later date. In short, it is a verification, as with all bank accounts, which includes both the identity (passport or similar) and the residential address/residence.

Bitwala, a German cryptobank, in cooperation with Solarisbank, offers an online account including German IBAN, which can be used to process FIAT and Crypto Currencies. At the beginning of 2019 Bitwala started to process the account applications on the basis of a waiting list. In the meantime, the onboarding process has been automated and a Bitwala online account can be opened here within 15 minutes.

Crypto.com and TenX are also starting the KYC process, both companies are currently starting the rollout in Asia. In the second quarter, 2 further providers will also draw attention to themselves. Crypterium states to implement a worldwide card solution. It remains to be seen how a Union-Pay credit card will be accepted outside Asia. A pre-order is already possible in any case. In addition, Spend.com has started card delivery in the USA. So far we are not very enthusiastic about Spend: We completed our test verification on 07.04.2019, and it is still „processing“ today (3 business days are given).

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