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Best virtual-only crypto cards

Instant cards for Apple Pay and Google Pay with nothing to ship. 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.

    Card types
    Virtual only
    Card issuance
    Free
    Partly verified 07 Oct 2026aging
    Net gain per year+EUR 162
    Full details

  2. OKX Card

    Card types
    Virtual only
    Card issuance
    Free
    Partly verified 15 Oct 2026aging
    Net cost per yearEUR 6
    Full details

  3. SwissBorg Card

    Card types
    Virtual only
    Card issuance
    Free
    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.

    Card types
    Virtual only
    Card issuance
    Free
    Partly verified 15 Oct 2026aging
    Net cost per yearEUR 60
    ApplyFull details

  5. CoinSpot Card

    Card types
    Virtual only
    Card issuance
    Free
    Partly verified 15 Oct 2026aging
    Net cost per yearEUR 114
    Full details

  6. MetaMask Card

    Card types
    Virtual only
    Card issuance
    Free
    Partly verified 15 Oct 2026aging
    Net cost per yearEUR 186
    ApplyFull details

  7. WhiteBIT Nova Card

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

    Card types
    Virtual only
    Card issuance
    Free
    Partly verified 15 Oct 2026aging
    Net gain per yearup to+EUR 174Excludes FX fee
    Full details

  8. Solid Card

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

    Card types
    Virtual only
    Card issuance
    Free
    Partly verified 15 Oct 2026aging
    Net gain per yearup to+EUR 144Excludes conversion fee
    Full details

  9. Kinesis Card

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

    Card types
    Virtual only
    Card issuance
    Free
    Partly verified 15 Oct 2026aging
    Net gain per yearup to+EUR 39Excludes FX fee
    Full details

  10. Phemex Card

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

    Card types
    Virtual only
    Card issuance
    Free
    Partly verified 15 Oct 2026aging
    Net gain per yearup to+EUR 15Excludes FX fee and conversion fee
    ApplyFull details

  11. Exodus Card

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

    Card types
    Virtual only
    Card issuance
    Free
    Partly verified 28 Oct 2026aging
    Net cost per yearat leastEUR 0Excludes conversion fee
    ApplyFull details

  12. Fuse Card

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

    Card types
    Virtual only
    Card issuance
    Free
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 0Excludes conversion fee
    ApplyFull details

  13. MoneyGram Card

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

    Card types
    Virtual only
    Card issuance
    Not verified
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 0Excludes issuance fee, FX fee and conversion fee
    ApplyFull details

  14. SafePal Card

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

    Card types
    Virtual only
    Card issuance
    Not verified
    Partly verified 28 Oct 2026aging
    Net cost per yearat leastEUR 18Excludes 4 items
    Full details

  15. Exa Card

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

    Card types
    Virtual only
    Card issuance
    Not verified
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 27Excludes 4 items
    Full details

  16. Figo Card

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

    Card types
    Virtual only
    Card issuance
    Not verified
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 36Excludes 4 items
    Full details

  17. Fasset Card

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

    Card types
    Virtual only
    Card issuance
    9.99 USDT
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 57Excludes annual fee, monthly fee and conversion fee
    Full details

  18. Kite Stable Card

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

    Card types
    Virtual only
    Card issuance
    Free
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 64Excludes conversion fee
    Full details

  19. THORWallet IBAN Card

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

    Card types
    Virtual only
    Card issuance
    Free
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 78Excludes conversion fee
    Full details

  20. Tangem Pay Card

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

    Card types
    Virtual only
    Card issuance
    Free
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 295Excludes annual fee, monthly fee and conversion fee
    ApplyFull details

  21. WaldenPay Card

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

    Card types
    Virtual only
    Card issuance
    USD 10.00
    Partly verified 15 Oct 2026aging
    Net cost per yearat leastEUR 303Excludes conversion fee
    Full details

  22. LinkPay Card

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

    Card types
    Virtual only
    Card issuance
    Not verified
    Partly verified 15 Oct 2026aging
    Net cost per yearNo estimateKnown: account fee USD 209 · top-up 1%.
    ApplyFull details

  23. Tonhub Card

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

    Card types
    Virtual only
    Card issuance
    Free
    Partly verified 15 Oct 2026aging
    Net cost per yearNo estimateKnown: card free · top-up free.
    Full details

  24. GoMining Card

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

    Card types
    Virtual only
    Card issuance
    Free
    Partly verified 15 Oct 2026aging
    Net cost per yearNo estimateKnown: card free.
    ApplyFull details

  25. Phantom Card

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

    Card types
    Virtual only
    Card issuance
    Free
    Partly verified 15 Oct 2026aging
    Net cost per yearNo estimateKnown: card free.
    ApplyFull details

  26. Zebec Card

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

    Card types
    Virtual only
    Card issuance
    Free
    Partly verified 15 Oct 2026aging
    Net cost per yearNo estimateKnown: card free.
    Full details

  27. Uphold Exa Credit Card

    No estimate yet: this card's fees are not verified.

    Card types
    Virtual only
    Card issuance
    Not verified
    Partly verified 15 Oct 2026aging
    Net cost per yearNo estimateNo fee details yet
    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.

A smartphone lying flat, its dark screen showing the glowing outline of a payment card.

What a virtual card is

A virtual card is a payment card that exists as data, not as a piece of plastic. It still runs on a card network, so it works online wherever that network is accepted. Many issuers also let you add it to a phone wallet, which turns it into a tap-to-pay card in shops.

Because there is nothing to deliver, a virtual card can often be used soon after it is approved, once the identity check is done. Whether and when you must pass that KYC check depends on the card and your country.

When virtual is enough, and when it is not

A virtual card is enough for online shopping, subscriptions and travel bookings, and for tapping a phone at the till where wallets are accepted. It can also help with security: you can often freeze or replace the number in the app without waiting for a new card.

It falls short in a few places. A card with no plastic cannot take cash from a machine, and some terminals, hotel desks and car rental counters still ask for a physical card. If you need cash or a backup in your wallet, look at the ATM list and at the travel list instead. Both keep only physical cards.

What to compare

  • Availability. A card is only useful if you can get it where you live. Eligibility is checked per country.
  • Wallet support. Whether Apple Pay and Google Pay work is up to the issuer, so check the card page.
  • FX fee. The FX fee applies when the card’s currency differs from the shop’s. If you pay abroad, start from the no FX fee list.
  • Top-up fee and conversion. What each load costs, which assets and networks work, and the spread when crypto becomes card money.
  • Limits. How much you can load and spend per day or per month.

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 virtual-only 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 27 cards. A few examples:

  • United States: 8 cards
  • Germany: 12 cards
  • United Kingdom: 8 cards
  • Brazil: 13 cards

Choose your country in the Card Finder to see the cards you can get, with a cost estimate for your own spending.

Other best lists

All best lists

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