Introduction
As stablecoins and payments emerge as key narratives in the current crypto cycle, leading centralized exchanges (CEXs) are racing to bridge digital assets with everyday spending. From credit/debit cards to app-based solutions, platforms like Coinbase, Gemini, and Kraken are expanding their payment ecosystems to enhance real-world crypto utility.
This article explores the latest payment products from top exchanges, highlighting features, rewards, and regional availability.
1. Coinbase: Leveraging American Express for the Coinbase One Card
Launch: Fall 2025 (U.S. exclusive)
Key Features:
- Exclusive to Coinbase One subscribers ($29.99/month).
- 2%–4% Bitcoin rewards on purchases.
- Powered by American Express, offering premium benefits.
Target Market: U.S. users seeking seamless crypto-fiat integration.
2. Gemini: Flexible Crypto Rewards by Spending Category
Card Type: Mastercard
Rewards Structure:
- 4% back on gas/EV charging (up to $300/month).
- 3% on dining, 2% on groceries, 1% on other purchases.
Perks: - No annual fee or foreign transaction fees.
- Supports 50+ cryptos for rewards redemption.
3. Crypto.com: Tiered Crypto Cashback with Visa
Card Tiers:
- Obsidian: 6.5% first-year cashback, then 5%.
- Ruby: 2.5% first-year, then 2%.
APR: 18.24%–32.24%.
Unique Offer: Higher rewards for staking CRO tokens.
4. Kraken: All-in-One Payment App "Krak"
Features:
- P2P payments across 110 countries.
- Earn up to 4.1% on USDG stablecoins.
- Future plans include virtual/physical Krak cards.
Competitors: Targets Venmo/PayPal users with crypto integration.
5. Bybit: High-Yield Debit Card for VIPs
Availability: EEA, Switzerland, Australia.
Rewards: 2%–10% cashback based on VIP tier.
Fees:
- 0.9% crypto conversion fee.
- 0.5% foreign exchange markup.
👉 Explore Bybit’s card benefits
6. Bitget: Dual-Card Strategy (Wallet Card + Credit Card)
Wallet Card:
- 5% USDC rewards via Immersve partnership.
- Supports Apple/Google Pay.
Credit Card: - VIP-only, 0.9% transaction fee.
- USDT-denominated (BTC/ETH support coming).
7. MEXC: Low-Cost Option for European Users
Fee Structure:
- 1% deposit fee.
- No EEA transaction fees; 2% abroad.
Monthly Cap: €30,000.
8. Gate.io: Spend-and-Earn with Multi-Crypto Rewards
Perks:
- 1% USDT cashback on all purchases.
- 7% rebate on travel bookings.
Supported Cryptos: USDT, BTC, ETH, GT.
9. KuCoin: Instant Crypto-to-Fiat Conversions
Eligibility: EEA residents.
Rewards: Up to €250/month for VIPs.
Integration: Works with Apple/Google Pay.
👉 Compare KuCoin’s card options
FAQs
Q1: Which crypto card has the highest cashback?
A: Crypto.com’s Obsidian tier offers up to 6.5%, while Bybit provides 10% for top-tier VIPs.
Q2: Are crypto payment cards available worldwide?
A: Most target the EEA and U.S.; check regional restrictions before applying.
Q3: Do these cards charge annual fees?
A: Gemini and Gate.io cards are fee-free; others vary by tier/service.
Q4: Can I use crypto cards for ATM withdrawals?
A: Yes, but fees apply (e.g., KuCoin charges 2% internationally).
Conclusion
Crypto payment products are evolving beyond trading, with exchanges competing to dominate the "trade-to-life" ecosystem. Partnerships with traditional networks (Visa/Mastercard) remain pivotal, while apps like Krak signal a shift toward self-contained payment solutions.
As 2025 unfolds, expect tighter integration between DeFi, stablecoins, and everyday spending – with user rewards and global accessibility as key battlegrounds.
👉 Stay updated on crypto payment trends
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