The Binance Card was one of the most popular ways to spend crypto, especially in Europe, until it was withdrawn from the European Economic Area at the end of 2023.
Former cardholders, along with Crypto.com users looking for a change, now have a wide choice of crypto and stablecoin cards, but each one works differently.
This guide compares ten alternatives on the points that matter in daily use: fees, rewards, custody, supported assets and where each card is available.
It also covers how the Nexo Card compares with Crypto.com and which cards suit everyday spending in stablecoins such as USDT.
Key Takeaways
- The best replacement depends more on where you live and how you hold your crypto than on headline cashback.
- Exchange-linked cards such as Bybit, Coinbase and Crypto.com are the simplest switch if you already trade on those platforms.
- Stablecoin-focused cards such as KAST and Bleap suit people who keep their spending money in USDT or USDC.
- Self-custodial options such as Gnosis Pay and Bleap give more control but ask more of the user.
- Always check conversion spreads, FX fees and ATM allowances, not just the advertised reward rate.
What Happened to the Binance Card?
Binance ended its Visa debit card program in the EEA, and card purchases stopped working on 20 December 2023.
The card had launched in the region in September 2020. Binance exchange accounts were not affected by the closure, and the exchange pointed users towards Binance Pay for paying merchants that accept it.
Earlier, in September 2023, Mastercard ended its card partnership with Binance in Argentina, Brazil, Colombia and Bahrain.
For most former cardholders, the practical question is which card can take over everyday spending. The answer depends on your country of residence, since card availability is set region by region.
What to Look for in a Binance Card Alternative
Availability. Most crypto cards are issued region by region. Merchant acceptance in 150 or more countries does not mean residents of those countries can open an account.
Custody model. Custodial cards spend from a platform balance, which is simple but depends on the platform. Self-custodial cards spend from a wallet you control, which adds responsibility.
Conversion costs. A card can advertise no transaction fee while still charging a spread when it converts crypto to local currency at checkout.
Rewards structure. Some programs pay simple cashback, while others require token holdings, lockups or paid tiers to unlock better rates.
Supported assets. If you hold mostly stablecoins, check exactly which tokens and networks a card accepts for deposits and withdrawals.
Binance Card Alternatives at a Glance
The 10 Best Binance Card Alternatives
1. Plasma
RelatedPosts
Rates Near 7%, More Homes for Sale: How Buyers Are Using Seller Concessions to Cut Their Rate
How to Evaluate Guest Posting Sites With Contributor Guidelines
Best Virtual Number Providers for WhatsApp Business – Coverage, Delivery and Pricing Compared
Checkout meets regulation: what Southeast Asia’s new PayLater rules mean for online travel
Plasma offers a stablecoin account and Visa card, a stablecoin card setup built for people who want to hold digital dollars and use them for everyday purchases in one place. It’s available to UAE residents in three tiers, Lite, Core and Platinum.
- Stablecoin account paired with a Visa card
- Available to UAE residents
- Three tiers: Lite, Core and Platinum
- Core costs USD 199 per year
- Balance yield varies by tier, up to 6%
2. Bybit Card
Bybit Card is an exchange-linked debit card that spends from a Bybit account balance. It is a frequent pick for former Binance cardholders who want a card without staking requirements and who prefer published fee tables. Issuance and terms are set region by region, so the exact fees depend on where your card is issued.
- No annual fee and no staking requirement
- Crypto conversion fee of up to around 0.9%, depending on region
- Free ATM allowance each month, then 2%
- Availability and card network vary by issuing region
3. Nexo Card
Nexo Card is a dual-mode card for users in selected European countries, including the EEA and the UK. In Debit Mode it spends balances you already hold, while Credit Mode lets you borrow against your crypto instead of selling it. That flexibility makes it a common choice for European users who lost access to the Binance Card.
- Switch between Debit Mode and Credit Mode in the app
- No monthly, annual or inactivity card fees stated by Nexo
- FX fee of 0.2% on weekdays and 0.7% on weekends for EEA, UK and Swiss currencies
- Monthly free ATM allowance by tier, then 2% per withdrawal
4. KAST
KAST is a stablecoin-focused spend card that runs on Visa and lets users spend balances such as USDT, USDC, USDe, PYUSD and RLUSD. Its virtual card can be added to Apple Pay and Google Pay, which makes it a practical option for everyday purchases funded in stablecoins. Residency eligibility is confirmed at signup rather than by merchant coverage.
- Supports USDT, USDC, USDe, PYUSD and RLUSD
- Standard tier available with no annual fee
- No fee on USD card spend; FX fee of 0.5% to 1.75% on non-USD spend
- Supported send options are narrower than supported receive options
5. Coinbase Card
Coinbase Card is a Visa debit card linked directly to a Coinbase account, which makes it one of the easiest switches for people who already trade on Coinbase. In the US it is available in every state except Hawaii, and Coinbase also runs a separate UK card that converts crypto to pounds sterling at checkout. Spending carries no Coinbase transaction fee, but a spread applies when crypto is converted.
- Visa debit card linked to an existing Coinbase balance
- No Coinbase transaction fee on spending; conversion spread applies
- No Coinbase ATM fee, though ATM operators may charge
- Optional crypto rewards for US cardholders
6. Crypto.com Visa Card
Crypto.com Visa Card spends from a Crypto.com app balance and remains one of the most widely available crypto cards across the EEA. Its card tiers depend on either a monthly subscription or a 12-month CRO lockup, so the best perks require an ongoing commitment. It suits users who are comfortable with that model and already hold funds on Crypto.com.
- Card linked to a Crypto.com app balance
- Higher tiers unlocked by subscription or a 12-month CRO lockup
- Wide availability across the EEA
- Free card payments in euros within the EEA
7. Bleap
Bleap is a self-custodial Mastercard debit card built for spending stablecoins such as USDC directly from a wallet the user controls. Card issuance currently focuses on the EEA, with expansion into Latin America announced. It suits people who want the control of self-custody without managing complex wallet settings.
- Self-custodial Mastercard debit card
- 0% FX fees stated by Bleap
- No monthly subscription
- Cashback paid in USDC
8. Gnosis Pay
Gnosis Pay is a self-custodial Visa spend card, which means card payments draw from a wallet the user controls rather than an exchange balance. It is focused on the EEA and UK and suits people who are comfortable managing their own wallet security. The trade-off is more setup than a typical exchange card.
- Self-custodial model with spending from your own wallet
- No added FX markup; the Visa exchange rate applies
- Up to five free ATM withdrawals or 200 EURe, GBPe or USDCe a month, then 2%
- No gas fees on card transactions
9. ether.fi Cash
ether.fi Cash is a DeFi-native spend card designed for people who already manage their crypto on-chain and want spending connected to that activity. Its mechanics differ from a standard exchange debit card, so it is worth reading how funding works for your region before applying. Availability is set by region.
- Spend product built around on-chain balances
- FX fee of 1% across tiers
- ATM fee of 2% per withdrawal, with a 250 USD limit
- Availability varies by region
10. Wirex
Wirex is a debit card that handles both crypto and fiat balances, available in the UK and EU. It is often chosen by people who spend across several currencies and want one app for both types of balance. Rewards are paid in the WXT token, and fees are published separately for each region.
- Supports crypto and fiat balances in one account
- Rewards paid in WXT tokens
- UK example: free card issuance and free ATM withdrawals up to 200 GBP a month, then 2%
- Fee schedules differ by region
Nexo Card vs Crypto.com Card
Both cards spend from a custodial platform balance, but they approach rewards differently. Crypto.com ties its higher card tiers to a monthly subscription or a 12-month CRO lockup.
Nexo offers Debit Mode for everyday spending and Credit Mode for borrowing against crypto, with no card fees stated for monthly, annual or inactive use.
If you want to avoid token lockups, Nexo is the closer fit. If you want tier perks and are comfortable with a lockup or subscription, Crypto.com may still suit you. Remember that Credit Mode is borrowing, so a fall in collateral value can affect your position.
Best Stablecoin Cards for Everyday Purchases
If your spending money sits mostly in USDT or USDC, for example because you are paid in USDC by international clients, choose a card that accepts your stablecoin directly and shows its conversion costs clearly. KAST names USDT among its supported stablecoins and charges no fee on USD card spend.
Bleap and Gnosis Pay let you spend from a self-custodial wallet, while Nexo Debit Mode users can spend stablecoin balances held on the platform.
Before funding any card, confirm which network your stablecoins are on and whether the card supports deposits and withdrawals on that same network.
How to Choose the Right Card
Start with eligibility, because a card you cannot open is not an option. Next, match the custody model to your habits: exchange-linked cards for simplicity, self-custodial cards for control.
Then compare the real cost of spending by adding conversion spreads, FX fees and ATM charges for a typical month.
Finally, judge rewards after costs, and treat token-based rewards as variable in value. In many countries, spending crypto can also be a taxable disposal, so keep records of what you spend and when.
Conclusion
There is no single replacement for the Binance Card. Bybit Card and Coinbase Card are the simplest moves for existing exchange users, Nexo Card adds flexibility for European users, and Crypto.com remains widely available across the EEA for those happy with its tier model.
KAST and Bleap stand out for stablecoin spending, Gnosis Pay and ether.fi Cash suit people who want spending tied to their own wallet, and Wirex works well across currencies.
Check availability in your country, compare total costs and pick the card that fits how you already hold your money.
FAQ
Is the Binance Card still available?
Not in Europe. Binance closed its Visa debit card program in the EEA, and card purchases were disabled from 20 December 2023. Binance exchange accounts were not affected.
What should I use instead of the Binance Card?
It depends on your region and habits. Bybit Card is a similar exchange-linked option, Nexo Card suits European users who want no staking, and KAST or Bleap suit people who spend mainly in stablecoins.
Is the Nexo Card better than the Crypto.com card?
Nexo Card is a closer fit if you want to avoid token lockups, since it offers Debit Mode spending without staking. Crypto.com may suit users who want tier perks and are comfortable with a subscription or CRO lockup.
Which stablecoin wallets support card payments worldwide?
Several stablecoin-focused cards can be used wherever their card network is accepted, including KAST on Visa and Bleap and Gnosis Pay as self-custodial options. Always check whether you can open an account in your country of residence.
Do crypto debit cards require identity verification?
Yes. Major crypto cards require identity checks before a card is issued, and eligibility depends on your country of residence.
