How do you use a crypto card for everyday transactions?

Crypto Cards: Transforming Everyday Spending

Crypto cards have transformed daily spending by enabling users to pay directly with digital assets. These payment cards—typically issued in partnership with Visa or Mastercard—let you instantly convert cryptocurrencies like Bitcoin, Ethereum, or stablecoins into fiat currency at checkout.

As digital currencies gain traction, more people want to seamlessly incorporate them into everyday life—shopping, dining, bill payments, and travel. Crypto cards are catching on because they bridge digital assets with traditional payment systems, giving users a practical, everyday solution.

This guide covers everything you need to use a crypto card, from setup and spending to the top card options for 2025.

Key Points to Remember

• Spend Crypto Like Cash: Pay for groceries, dining, travel, and bills in real time with your crypto card. Your digital assets convert instantly to local currency at checkout—no manual pre-conversion needed.

• Enjoy Powerful Benefits: Get perks like zero foreign transaction fees, cashback, and staking rewards—all while spending directly from your crypto wallet. These benefits often outpace those of traditional bank cards.

• Easy Setup in Minutes: Use a step-by-step guide to activate the Bitget Wallet Card and see how it stacks up against other top crypto cards in 2025.

Crypto Cards: What Are They and How Do They Work?

A crypto card works just like a traditional payment card, but it links directly to your crypto wallet. When you pay, your digital assets are automatically converted to fiat currency in real time at the point of sale. This seamless, automatic conversion means spending crypto feels just like using a regular bank card.

Types of Crypto Cards

How Crypto Cards Convert Crypto to Fiat

When you make a purchase, the card provider instantly converts your chosen cryptocurrency into local fiat. Visa or Mastercard processes the payment like any standard card transaction. This takes just seconds, using live exchange rates for a seamless experience. Most cards let you pick which cryptocurrency to use for each transaction via their app.

Are Crypto Cards Secure?

Absolutely. Leading crypto cards offer robust security to protect your assets and personal data:

• Two-factor authentication (2FA) for secure access
• Fraud protection and instant card freezing if lost or stolen
• Non-custodial options, so you always control your funds
• Data encryption and compliance with global security standards

Why Use a Crypto Card for Everyday Transactions?

1. Spend Anywhere, Instantly

Crypto card payments happen instantly. With the Bitget Wallet Card, your crypto converts to fiat at checkout, allowing you to pay in stores, cafes, or online—even if the merchant doesn’t accept crypto directly.

Since these cards work on Visa or Mastercard networks, you can spend crypto worldwide at millions of locations—just like with a standard bank card.

2. Earn Rewards, Cashback, and Staking

Crypto cards offer rewards that can surpass traditional cards:

• Bitget Wallet Card pays up to 8% APY on stablecoins via staking, so your assets keep earning even when you’re not spending
• New users get extra cashback for the first 30 days as an adoption incentive
• Some reward programs let you earn crypto—not just points

With these features, every purchase can help grow your crypto portfolio.

3. Zero Foreign Transaction Fees

Most banks charge 2–3% on international purchases, but Bitget and similar crypto cards eliminate these fees. This makes them ideal for travelers, digital nomads, and anyone making frequent cross-border payments.

They also integrate with Apple Pay and Google Pay globally, so you can pay easily anywhere you travel.

4. Enhanced Privacy and Web3 Integration

Crypto cards protect your privacy by reducing exposure of your banking details. Bitget Wallet Card, for example, deeply integrates with decentralized finance:

• Direct connection to Bitget Wallet for easy asset management
• One-click access to Web3 apps and NFTs
• No need to expose bank accounts or intermediaries, lowering data leak risks
• Pseudonymous transactions—merchants never see your full identity

Everyday Uses for a Crypto Card

1. Online and In-Store Purchases

Use your crypto card just like a debit or credit card for groceries, clothing, electronics, and more. Your crypto converts instantly to local currency at checkout, whether you’re shopping online or in person.

This flexibility lets you use digital assets for any purchase—big or small—while merchants receive fiat payments and need no special crypto setup.

2. Pay Bills and Subscriptions

Settle monthly bills (utilities, internet), mobile plans, or digital services like Netflix and Spotify with your crypto card. This turns your digital assets into a practical way to handle all recurring payments.

Services like BitPay and CoinGate make it easy to automate recurring payments from your crypto balance, streamlining your financial management.

3. Dining and Travel

Use your crypto card for coffee, flights on Travala, or rides with Uber—globally, wherever Visa or Mastercard is accepted. No manual conversions or exchange rate worries.

Frequent travelers can skip currency exchanges and bank fees, while enjoying cashback on every travel expense.

4. ATM Withdrawals and Peer-to-Peer Transfers

Withdraw cash at ATMs worldwide using your crypto balance. Fees may apply, depending on the ATM, but you gain flexibility when you need physical currency.

Send funds directly to friends or family using wallet addresses linked to your card provider, combining the benefits of crypto P2P transfers with card convenience.

How to Use a Crypto Card for Purchases

1. In-Store and NFC Payments

Pay in-store by tapping your crypto card or mobile wallet—even at shops that don’t accept crypto. NFC technology allows fast, secure contactless payments, just like any modern bank card.

Tap your card or phone to the terminal, and your transaction completes in seconds—perfect for daily purchases like coffee, transit, or groceries.

2. Online Shopping and Virtual Card Use

Use your virtual crypto card to pay for services like Netflix, mobile plans, or other digital services. Platforms like BitPay make this process seamless, bridging your crypto wallet and online merchants.

Virtual cards boost security for online shopping by allowing temporary card numbers or spending limits, reducing the risk if your data is compromised.

3. ATM Withdrawals and Fiat Conversion

Withdraw cash at ATMs using your crypto balance—just ensure your card supports Visa or Mastercard. Bitget Wallet Card offers this in most countries.

Withdrawals work like any bank card: insert, enter PIN, choose the amount. Crypto converts to fiat instantly at the current market rate.

4. Dining and Travel

Pay for travel bookings, flights, or meals with your crypto card. Earn rewards as you go, and book with crypto-friendly platforms like Travala for additional discounts.

This is especially valuable abroad—no currency exchange fees, competitive rates, and extra cashback or rewards on travel spending.

Getting and Setting Up a Crypto Card

Step-by-Step Application

Sign up for the Bitget Wallet Card in just minutes:

• Download the Bitget Wallet app from the App Store or Google Play
• Complete KYC in minutes with a valid ID
• Activate your card in the wallet app
• Select which crypto to spend (BTC, ETH, USDT, etc.)
• Start spending instantly with Apple Pay, Google Pay, or wait for your physical card for in-store payments

Apply in-app and use your virtual card right away—no need to wait for the physical card to arrive.

Choosing Credit, Debit, or Prepaid Crypto Cards

Each card type serves different needs:

• Credit: Borrow funds, pay back monthly—great for cash flow management
• Prepaid: Load funds in advance—ideal for budgeting
• Debit: Spend directly from your wallet balance—maximum flexibility

Bitget Wallet Card merges prepaid convenience with real-time debit flexibility, letting you top up anytime and spend instantly.

What Makes Bitget Wallet Card Stand Out?

Bitget Wallet Card stands out in the crypto card landscape with key advantages:

✅ Fast Signup, Instant Rewards:

Complete KYC and get $5 cashback instantly—no strings attached. Try the card risk-free.

✅ Superior Financial Benefits:

Earn up to 8% APY on staked stablecoins (region dependent) plus extra cashback in your first 30 days—returns that beat most savings accounts.

✅ Lowest Fees Available:

Just 1.7% in total fees—beating over 90% of the market—with no top-up or monthly charges. Save more with every transaction.

✅ Fully Licensed Issuance:

Official Mastercard in the EU and Visa in Asia—one of the few truly multi-region, regulatory-compliant crypto cards.

✅ Effortless Payments:

Works with Google Pay and Apple Pay, enabling contactless NFC payments at any Mastercard or Visa terminal globally.

✅ Instant Crypto-to-Fiat Conversion:

Seamless, automatic crypto conversion at the point of purchase—no manual steps or waiting. It’s fully automated for users.

Best Crypto Cards of 2025: A Comparison

Top 5 Crypto Debit and Credit Cards

• Bitget Wallet Card: Stands out for its legal foundation, seamless wallet integration, and industry-low fees. Unlike most crypto cards that act as third-party add-ons, Bitget is native to its wallet ecosystem, offering simplified KYC, built-in crypto-to-fiat conversion, and a full suite of financial perks.

• Crypto.com: Popular for CRO staking and tiered rewards. Attractive benefits require upfront CRO investment to unlock top-tier perks.

• Other Platforms: Offer token-based cashback, but availability may be limited by region.

• Swissmoney: Primarily a virtual card with robust privacy and data protection—ideal for users who prioritize security.

• Wirex: Supports multiple currencies and offers instant rewards, though some fees apply. Highly flexible in crypto selection.

Crypto Debit Card Comparison: Bitget Wallet Card vs. Top Competitors (2025)

Apply for the Bitget Wallet Card Today!

If you want a fully licensed crypto debit card with some of the lowest fees, instant crypto-to-fiat conversion, and smooth integration with your wallet and mobile payments, Bitget Wallet Card is the top choice for 2025.

Here’s what sets it apart as a complete crypto payment solution:

• ✅ Get $5 Free just for verifying your account—no deposit or strings attached.

• ✅ Enjoy 1.7% all-in fees—lower than 90% of the market for real savings on every purchase.

• ✅ Stake stablecoins and earn up to 8% APY, turning your card into a passive income tool.

• ✅ Receive extra cashback in your first 30 days, maximizing your early returns.

• ✅ No top-up or monthly fees, and KYC approval in under 24 hours in most cases.

With all these benefits, Bitget Wallet Card is a must-have for crypto users seeking a powerful, cost-effective, and comprehensive payment solution.

FAQ

Crypto Card: What Is It and How Does It Work?

A crypto card is a payment card linked to your crypto wallet. It automatically converts your digital assets to fiat at checkout, so you can spend crypto wherever traditional cards are accepted.

How Do I Apply For and Activate a Crypto Card?

Sign up on our platform, complete identity verification, go to the cards section, and select your card type. Once approved, your physical card is mailed to you; activate it via the mobile app and make a test transaction to confirm it’s live.

What Fees Should I Expect When Using a Crypto Card?

Fees depend on the provider. Typically, you’ll pay a transaction fee (usually 0.5%–2%), a crypto-to-fiat exchange fee, and possibly a monthly subscription. Some providers offer lower rates for frequent users.

Which Cryptos and Fiat Currencies Are Supported?

Our card supports leading cryptocurrencies (Bitcoin, Ethereum, USDT, USDC), with instant exchange to major fiat currencies (EUR, USD, GBP). Conversion happens automatically per transaction, using competitive rates and real-time pricing.

Are Crypto Cards Safe for Daily Use? What Risks Should I Know?

Crypto cards are highly secure, featuring encryption and multi-factor authentication. Main risks include price volatility, conversion fees, and merchant acceptance. Stick with reputable providers and look for insurance options for extra peace of mind.

Crypto Card vs. Traditional Bank Card: What’s the Difference?

Crypto cards give direct access to digital assets for instant transactions—no bank middleman. They offer more flexibility, lower fees, and 24/7 access, unlike bank cards limited by banking hours.

Where Can I Use a Crypto Card?

Crypto cards are accepted anywhere bank cards are. Use them at retail stores, restaurants, gas stations, and online platforms. Some allow ATM withdrawals too, though availability depends on your provider and region.

If My Crypto Card Is Lost or Stolen, What Should I Do?

Most crypto cards let you instantly freeze your account. Contact your provider immediately to report the loss. Multi-factor authentication and advanced fraud protection keep your funds safe.