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Best stablecoin cards: debit, prepaid and more

Cards that take USDT or USDC top-ups, with the networks each one supports. Ranked by what they would cost you per year once their fees are counted.

Read our guide: how to choose
By 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.

Complete estimates come first, then cards that leave out a fee the issuer does not list. Cards without a cost estimate come last, ordered by how many of their fees are verified.

  1. MEXC Card (APAC)

    Biggest estimated net gain here at this spending level.

    USDT networks
    Supported
    USDC networks
    Not listed
    Partly verified 07 Oct 2026aging
    Net gain per year+EUR 162
    Full details

  2. OKX Card

    USDT networks
    Supported
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net cost per yearEUR 6
    Full details

  3. SwissBorg Card

    USDT networks
    Not listed
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net cost per yearEUR 59
    Full details

  4. MEXC Global Card

    Rewards that need staking, a paid plan, a minimum balance or a single asset or merchant group are left out of this estimate.

    USDT networks
    Supported
    USDC networks
    Not listed
    Partly verified 15 Oct 2026aging
    Net cost per yearEUR 60
    ApplyFull details

  5. Bybit EU Card

    USDT networks
    Not listed
    USDC networks
    Supported
    Partly verified 07 Oct 2026aging
    Net cost per yearEUR 63
    Full details

  6. Bit2Me Card

    USDT networks
    Not listed
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net cost per yearEUR 93
    Full details

  7. Based Card

    Rewards that need staking, a paid plan, a minimum balance or a single asset or merchant group are left out of this estimate.

    USDT networks
    Supported
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net cost per yearEUR 105
    Full details

  8. Bybit Card

    USDT networks
    Supported
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net cost per yearEUR 127
    Full details

  9. MetaMask Card

    USDT networks
    Base, Linea and Solana
    USDC networks
    Base, Linea, Monad and Solana
    Partly verified 15 Oct 2026aging
    Net cost per yearEUR 186
    ApplyFull details

  10. WhiteBIT Nova Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Supported
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net gain per yearup to+EUR 174Excludes FX fee
    Full details

  11. ether.fi Cash

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Not listed
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net gain per yearup to+EUR 159Excludes annual fee, monthly fee and conversion fee
    Full details

  12. Solid Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Not listed
    USDC networks
    Arbitrum, Base, BNB Smart Chain, Ethereum, Fuse and Polygon
    Partly verified 15 Oct 2026aging
    Net gain per yearup to+EUR 144Excludes conversion fee
    Full details

  13. Jupiter Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Solana
    USDC networks
    Arbitrum, Base, Solana and Sui
    Partly verified 15 Oct 2026aging
    Net gain per yearup to+EUR 88Excludes issuance fee and conversion fee
    Full details

  14. Binance Brazil Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Supported
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net gain per yearup to+EUR 36Excludes issuance fee and FX fee
    Full details

  15. BingX Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Supported
    USDC networks
    Not listed
    Partly verified 15 Oct 2026aging
    Net gain per yearup to+EUR 30Excludes FX fee
    ApplyFull details

  16. Phemex Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Supported
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net gain per yearup to+EUR 15Excludes FX fee and conversion fee
    ApplyFull details

  17. Pulsar Money Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Tron
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net gain per yearup to+EUR 12Excludes conversion fee
    Full details

  18. Coinbase Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Not listed
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 0Excludes FX fee and conversion fee
    Full details

  19. Exodus Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Solana
    USDC networks
    Solana
    Partly verified 28 Oct 2026aging
    Net cost per yearat leastEUR 0Excludes conversion fee
    ApplyFull details

  20. Fuse Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Not listed
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 0Excludes conversion fee
    ApplyFull details

  21. UUPAY Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Tron
    USDC networks
    Not listed
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 3Excludes FX fee and conversion fee
    Full details

  22. SafePal Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Not listed
    USDC networks
    Arbitrum
    Partly verified 28 Oct 2026aging
    Net cost per yearat leastEUR 18Excludes 4 items
    Full details

  23. BIX Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Arbitrum, Base, BNB Smart Chain, Ethereum, Optimism and Solana
    USDC networks
    Arbitrum, Base, BNB Smart Chain, Ethereum, Optimism and Solana
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 21Excludes annual fee, monthly fee and conversion fee
    Full details

  24. Figo Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Supported
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 36Excludes 4 items
    Full details

  25. Raenest USD Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Supported
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 37Excludes flat charge per foreign payment and conversion fee
    ApplyFull details

  26. Lemon Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Supported
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 39Excludes annual fee and monthly fee
    Full details

  27. Avici Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Not listed
    USDC networks
    Arbitrum, Ethereum, Optimism and Polygon
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 44Excludes conversion fee
    ApplyFull details

  28. CL Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Supported
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 45Excludes issuance fee and FX fee
    ApplyFull details

  29. Solayer Pay Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Not listed
    USDC networks
    Supported
    Partly verified 22 Oct 2026aging
    Net cost per yearat leastEUR 46Excludes issuance fee, flat charge per foreign payment and conversion fee
    Full details

  30. KuCard

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Supported
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 49Excludes conversion fee
    Full details

  31. Fasset Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Supported
    USDC networks
    Not listed
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 57Excludes annual fee, monthly fee and conversion fee
    Full details

  32. Bitrefill Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Not listed
    USDC networks
    Ethereum, Polygon and Solana
    Checked 15 Oct 2026aging
    Net cost per yearat leastEUR 59Excludes conversion fee
    ApplyFull details

  33. DitoBanx Mastercard

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Ethereum
    USDC networks
    Ethereum
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 60Excludes annual fee, monthly fee and FX fee
    Full details

  34. Spritz Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Tron
    USDC networks
    Sui and Tron
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 60Excludes issuance fee, FX fee and top-up fee
    Full details

  35. Bitwala Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Not listed
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 63Excludes annual fee, monthly fee and FX fee
    ApplyFull details

  36. Kite Stable Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Ethereum and Polygon
    USDC networks
    Base, Ethereum and Polygon
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 64Excludes conversion fee
    Full details

  37. VaultLeap Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Not listed
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 158Excludes conversion fee
    ApplyFull details

  38. Tangem Pay Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Arbitrum, Base, BNB Smart Chain and Polygon
    USDC networks
    Arbitrum, Base, BNB Smart Chain and Polygon
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 295Excludes annual fee, monthly fee and conversion fee
    ApplyFull details

  39. SolCard

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Arbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Ethereum, Hyperevm, Optimism, Polygon and Solana
    USDC networks
    Arbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Ethereum, Hyperevm, Optimism, Polygon and Solana
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 303Excludes FX fee and conversion fee
    ApplyFull details

  40. WaldenPay Card

    Leaves out fees the issuer does not list, so it ranks after the complete estimates.

    USDT networks
    Tron
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 303Excludes conversion fee
    Full details

  41. Fasset Tether Gold Visa Card

    No estimate yet. Not found on the issuer's pages: annual fee, monthly fee, FX fee and conversion fee.

    USDT networks
    Supported
    USDC networks
    Not listed
    Partly verified 15 Oct 2026aging
    Net cost per yearNo estimateKnown: card 9.99 USDT · top-up free.
    ApplyFull details

  42. LinkPay Card

    No estimate yet. Not found on the issuer's pages: issuance fee, annual fee, monthly fee, FX fee and conversion fee.

    USDT networks
    Tron
    USDC networks
    Not listed
    Partly verified 15 Oct 2026aging
    Net cost per yearNo estimateKnown: account fee USD 209 · top-up 1%.
    ApplyFull details

  43. Tonhub Card

    No estimate yet. Not found on the issuer's pages: annual fee, monthly fee, FX fee and conversion fee.

    USDT networks
    Supported
    USDC networks
    Not listed
    Partly verified 15 Oct 2026aging
    Net cost per yearNo estimateKnown: card free · top-up free.
    Full details

  44. GoMining Card

    No estimate yet. Not found on the issuer's pages: annual fee, monthly fee, FX markup, conversion fee and rewards.

    USDT networks
    Supported
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net cost per yearNo estimateKnown: card free.
    ApplyFull details

  45. Hyperbeat Pay Card

    No estimate yet. Not found on the issuer's pages: annual fee, monthly fee, FX fee and conversion fee.

    USDT networks
    Supported
    USDC networks
    Supported
    Partly verified 15 Oct 2026aging
    Net cost per yearNo estimateKnown: card free.
    Full details

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.

  • AIX Card

    Not checked yet

    We have not verified any country where it is open yet.

    Details

  • Anytap Card

    Not checked yet

    We have not verified any country where it is open yet.

    Details

  • ARQ Card

    Not checked yet

    We have not verified any country where it is open yet.

    Details

  • Bipa Card

    Not checked yet

    We have not verified any country where it is open yet.

    Details

  • BitMart Card

    Not checked yet

    We have not verified any country where it is open yet.

    Details
A green payment card with a small metal anchor and a few coins beside it.

What a stablecoin card is

A stablecoin is a crypto token built to track a currency instead of moving with the market. The two on this list are USDT and USDC, both tied to the dollar. A stablecoin card accepts one of them as a top-up and spends it through the card network, so the shop is paid in ordinary money and never touches the token.

Between your balance and the till there is a conversion. If the card and the shop use the same currency, that may be a single step. If the card is in another currency, or the shop prices in one, you can pay a conversion spread and an FX fee on top.

Why people spend stablecoins, and the catch

The appeal is simple: the amount you load stays close to the amount you can spend later. With a coin that swings in price, the balance can change between the top-up and the payment. A stablecoin removes most of that.

Most is not all. A stablecoin is a claim on the company that issues it, not a bank deposit, and its price can slip away from the target. How it is backed and who answers for it are worth reading about before you hold a large balance. To see the two coins on their own, open the USDT list or the USDC list.

Which network to send on

Each stablecoin lives on several blockchains, and every one is a separate top-up network. A card usually accepts a coin on only some of them, and an address can look valid on a network the card does not support. Funds sent that way can be lost for good.

Check the networks on the card page before you send anything, match the network exactly, and send a small test amount first. Network fees differ a lot from one chain to another, and they go to the network, not to the card.

What to compare

  • Availability. A card is only useful if you can get it where you live. Eligibility is checked per country.
  • Top-up fee. What each load costs, and which coins and networks the card accepts.
  • Conversion and FX. The spread on the way out of the stablecoin, and the FX fee if the currencies differ. If you travel, start from the no FX fee list.
  • Who holds the coins. Some cards keep your balance with the company, others leave it with you. See the self-custody list if that matters.

Our ranking turns these into one estimated net cost. Fees we have not verified are left out and flagged, never counted as zero. The methodology explains how.

How many stablecoin cards 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 45 cards. A few examples:

  • United States: 11 cards
  • Germany: 21 cards
  • United Kingdom: 11 cards
  • Brazil: 24 cards

Choose your country in the Card Finder to see the cards you can get, with a cost estimate for your own spending. For the steps from holding USDT or USDC to paying in a shop, read our guide to spending USDT or USDC with a card.

Related guides

How to spend USDT or USDC with a card

Other best lists

All best lists

How we rank cards and estimate costsAffiliate links never change a card's rank. Not financial advice.