How Crypto Cards Work
Crypto debit cards bridge the gap between your digital assets and everyday spending. When you make a purchase, your cryptocurrency is instantly converted to local fiat currency (USD, EUR, etc.) and the merchant receives regular payment—they never know you paid with crypto.
1. Connect Wallet
Link your crypto wallet to the card. Funds stay in your control until you spend.
2. Tap to Pay
Use physical card, Apple Pay, or Google Pay at any VISA terminal worldwide.
3. Instant Conversion
Crypto converts to fiat in real-time. Merchant gets paid normally.
Apple Pay Integration
Works with Google Pay too!
Where Can You Spend Crypto?
With a VISA-powered crypto card, you can spend at over 40 million merchants in 160+ countries. Here are some popular use cases:
Coffee Shops
Pay with BTC at Starbucks
Online Shopping
Amazon, eBay, anywhere
Restaurants
Dine and pay with crypto
Travel
Book flights and hotels
Transportation
Uber, Lyft, gas stations
Subscriptions
Netflix, Spotify, more
Cypher Card
Backed by Y Combinator and Coinbase Ventures, Cypher is the leading non-custodial crypto card with Apple Pay support and the lowest fees in the industry.
Card Tiers
Standard
FREE- Virtual card (instant)
- Apple Pay & Google Pay
- $50K daily / $150K monthly limit
- •0.5% USDC / 1% other top-up fee
- •1.75% FX markup (non-USD)
- 1x CYPR rewards
Premium
$199/yr- Metal physical card (free shipping)
- Apple Pay & Google Pay
- $200K daily / $500K monthly limit
- 0% USDC / 0.5% other top-up fee
- 0% FX markup (all currencies)
- 2x CYPR rewards
- $300 fraud protection insurance
Fee Calculator
Supported Cryptocurrencies
Card Comparison
| Card | Network | Apple Pay | Non-Custodial | Chains | Top-up Fee | Rewards |
|---|---|---|---|---|---|---|
| Cypher | VISA | 15+ | 0-0.5% | CYPR tokens | ||
| Crypto.com | VISA | — | 1 | 0% | CRO cashback | |
| Coinbase | VISA | — | 1 | 2.49% | Crypto cashback | |
| Binance | VISA | — | — | 1 | 0.9% | BNB cashback |
Security & Trust
Non-Custodial
Your crypto stays in your wallet until you spend. You control your private keys—not the card issuer.
Regulated
VISA network compliance, KYC verification, and backed by major investors (Y Combinator, Coinbase).
Fraud Protection
Premium tier includes $300 fraud protection insurance—industry first for crypto cards.
Frequently Asked Questions
Do merchants know I'm paying with crypto?
No. The card converts your crypto to fiat instantly. Merchants receive a normal VISA payment—they have no idea crypto was involved.
Can I use the card at ATMs?
Yes. You can withdraw cash at ATMs worldwide. Standard tier has a 3% ATM fee, Premium has 2%. Daily limits apply.
What happens if crypto price drops during a transaction?
Conversion happens instantly at the moment of purchase. You see the exact amount in crypto being spent before confirming.
Is there a credit check required?
No. Crypto cards are prepaid debit cards—no credit check needed. Just complete KYC verification.
Can I use this for recurring subscriptions?
Yes! Virtual card details work for online subscriptions. Just ensure your wallet has sufficient balance.
Ready to Spend Your Crypto?
Get your Cypher Card today and start using Bitcoin, Ethereum, and 1000+ tokens anywhere VISA is accepted.