Biggest estimated net gain here at this spending level.
- Annual fee
- Free
- Monthly fee
- Free
Best crypto cards with no annual fee
Cards with no yearly or monthly charge just for holding them. Ranked by what they would cost you per year once their fees are counted.
Read our guide: how to chooseBy Andrew L.Data updated 28 Oct 2026
Ranked cards
Showing costs in EUR for a typical profile: EUR 500 a month, 30% in a foreign currency, rewards that need staking or a paid plan left out. Choose your country to see only the cards open to you, priced in your currency.
Cards that leave out a fee the issuer does not list come after the ones with a complete estimate.
Rewards come to more than the fees at this spending level.
- Annual fee
- Not charged
- Monthly fee
- Free
Rewards that need staking, a paid plan, a minimum balance or a single asset or merchant group are left out of this estimate.
- Annual fee
- Free
- Monthly fee
- Not charged
Rewards that need staking, a paid plan, a minimum balance or a single asset or merchant group are left out of this estimate.
- Annual fee
- Free
- Monthly fee
- Not charged
Rewards that need staking, a paid plan, a minimum balance or a single asset or merchant group are left out of this estimate.
- Annual fee
- Free
- Monthly fee
- Not charged
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Not charged
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Not charged
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Not charged
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Not charged
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Not charged
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Not charged
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Not charged
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Not charged
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Not charged
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Not charged
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Not charged
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Not charged
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Not charged
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Not charged
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Not charged
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Not charged
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Not charged
- Monthly fee
- Free
Net cost per yearat leastEUR 37Excludes flat charge per foreign payment and conversion feeLeaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Not charged
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Not charged
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Free
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Not charged
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Annual fee
- Free
- Monthly fee
- Free
Not checked yet
These cards are not ranked and have no cost estimate. We have not verified the facts that define this list, or where the card is available. Not checked does not mean no.
- Details
Airtm Card
Not checked yetWe have not verified any country where it is open yet.
- Details
Anytap Card
Not checked yetWe have not verified any country where it is open yet.
- Details
ARQ Card
Not checked yetWe have not verified any country where it is open yet.
- Details
Binance Card
Not checked yetWe have not verified any country where it is open yet.
- Details
BitMart Card
Not checked yetWe have not verified any country where it is open yet.
What counts as no annual fee
Both recurring charges have to be clear.
- Annual and monthly. The annual fee on file must be zero and the monthly fee on file must be zero. A monthly account fee counts as a monthly charge when the issuer lists one.
- Only one listed. When an issuer lists just one of the two, the other counts as not charged.
- Unclear cases. A card with neither fee on file, or with a fee that varies, is shown as not checked yet. It is not on the ranked list, and it is not dropped either.
Any recurring charge above zero leaves the card out. A card that charges a small monthly fee does not belong here, even if the yearly line says zero.
Costs that remain
A card that is free to hold can still cost money to get and to use.
- Issuance and delivery. A one-off fee for the card, and for shipping a physical card, where the issuer lists them.
- Top-up and conversion. Fees for loading the card, and the conversion spread when crypto is sold for the payment.
- FX charges. The FX fee applies when you pay in a currency other than the card’s own. The no FX fee list covers that side.
- ATM fees. Cash withdrawals often have their own charge. See the ATM list.
- Inactivity. Some issuers charge when the card sits unused. The inactivity fee is listed where the issuer lists it.
A fee we have not verified is never counted as zero. It is left out of the estimate and flagged.
What to compare
No yearly fee does not mean the cheapest card. A card with a small recurring charge can still cost less overall than one that is free to hold but expensive per payment. That is why this list is ranked by estimated net cost for your spending, not by the fee line alone.
- Availability. A card is only useful if you can get it where you live.
- One-off fees. What the card costs to get, virtual or physical.
- Per-payment costs. Conversion and FX charges on what you actually spend.
- Conditions. Some issuers waive a fee only under conditions, such as a minimum balance or a minimum spend.
The methodology explains how the estimate is built.
How many cards with no annual fee are in your country
Many cards are open only to some countries, so the list changes with where you live. Across all countries it ranks 50 cards. A few examples:
- United States: 16 cards
- Germany: 23 cards
- United Kingdom: 14 cards
- Brazil: 20 cards
Choose your country in the Card Finder to see the cards you can get, with a cost estimate for your own spending. The Finder has a no annual fee filter too, but it does not require a monthly fee on file, so it can show cards that this list still holds as not checked yet.
Related guides
Other best lists
- All crypto cards
- Debit cards
- Credit cards
- Prepaid cards
- Visa cards
- Mastercard cards
- Bitcoin cards
- USDT cards
- USDC cards
- Stablecoin cards
- Self-custody
- No FX fee
- Travel
- Virtual only
- ATM withdrawals
- Rewards and cashback
How we rank cards and estimate costsAffiliate links never change a card's rank. Not financial advice.