Crypto Credit and Debit Cards
Cards that spend crypto or give crypto cashback — Binance Card, Crypto.com Visa.
Crypto cards enable paying for everyday expenses with cryptocurrency or earning crypto cashback on every purchase.
Main types:
1. Crypto Debit Card • Spend crypto directly (or auto-convert to fiat) • Examples: Binance Card, Crypto.com Visa • Works on Visa/Mastercard network — accepted everywhere
2. Crypto Cashback Card • Standard fiat card, cashback in crypto (BTC, ETH, USDC) • Fold (BTC cashback), Gemini Credit Card • BlockFi Card (shut down with BlockFi)
Binance Card:
•Visa debit card
•Up to 8% BNB cashback on spending
•Directly spend BTC, ETH, USDT, BNB
•Available EU (Serbia supported)
•No annual fee
Crypto.com Visa:
•Metal cards with CRO lockup levels
•Up to 5% CRO cashback
•Lounge access, Spotify/Netflix refund for higher levels
Tax implications:
•In Serbia: spending crypto = taxable transaction (realized gain)
•If crypto increased in value since purchase → pay tax on difference
•Stablecoins (USDT, USDC) easier to spend — minimal tax
Practical tip:
•Use stablecoin for everyday spending
•Keep BTC/ETH for long-term hold
•Track transactions for tax report