The Bitrefill Card earns 2% store credit cashback on a Visa debit card with no annual fee, available in EEA (29 countries).
Bitrefill is a crypto spending marketplace best known for selling gift cards, mobile refills, and bill payments for Bitcoin, Lightning, and stablecoins. The Bitrefill Card extends that marketplace into a prepaid Visa for EEA residents, funded by crypto deposits, with rewards paid back into Bitrefill store credit rather than cash.
The Bitrefill Card is a crypto debit card offered by Bitrefill, available in EEA (29 countries). It offers 2% store credit cashback rewards on purchases. There is no annual fee to hold this card. It runs on the Visa network and requires standard identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in Europe guide. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 2% | 1% on every crypto deposit plus 1% on every card purchase, uncapped and non-expiring; paid in EUR as Bitrefill store credit. Deposits to bank accounts, cash outs, and ATM withdrawals earn nothing |
On $500/mo spend, the estimated monthly cost breakdown for Bitrefill Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $5.00/mo cashback that is still a net cost of about $2.50/mo ($30.00/yr). Bitrefill Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: Rewards are NOT cash: the 2% (1% on deposit plus 1% on spend) is paid in EUR as Bitrefill store credit, which can only be spent on gift cards and mobile refills on Bitrefill and cannot be withdrawn or moved to the card balance. Both virtual and physical cards are free, with no issuing, postal, or monthly fee, but an inactivity fee of EUR 10/month applies after 12 months with no spending or cash-out. Cashback is earned on deposits and card purchases only: deposits to bank accounts, cash outs, and ATM withdrawals earn nothing. Deposits carry a variable crypto-to-fiat spread rather than a published flat percentage, and the final charge is shown for approval before each deposit is confirmed. Two verification tiers: Starter (identity verification) allows EUR 10,000/month and EUR 15,000 total lifetime deposits, Plus (identity plus address) allows EUR 15,000/month; both cap at EUR 10,000/day, EUR 200 contactless, and EUR 350/day and EUR 3,000/month at ATMs. Eligibility is EEA residency (the 27 EU states plus Norway and Iceland). Citizens of the United States and the Russian Federation are excluded regardless of residency, with one carve-out Bitrefill states explicitly: Russian citizens who also hold EU/EEA citizenship are eligible. No equivalent carve-out is offered for US citizens. GAP: the issuing entity is not named on Bitrefill's own card pages, which credit only 'our licensed partners'.
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The Bitrefill Card is a crypto debit card offered by Bitrefill. It is available in EEA (29 countries) and allows users to spend cryptocurrency at merchants worldwide.
The Bitrefill Card offers 2% store credit cashback.
The Bitrefill Card has an annual fee of $0. Additional fees: Conversion fee: Variable spread, shown before deposit is confirmed; FX fee: 0% from Bitrefill (Visa exchange rates apply); ATM: 2.49%; Top-up: Variable spread, shown before deposit is confirmed; Inactivity: EUR 10/month after 12 months with no spending or cash-out.
The Bitrefill Card has the following limits: daily spending limit: EUR 10,000; monthly spending limit: EUR 10,000 (Starter, EUR 15,000 lifetime) / EUR 15,000 (Plus); daily ATM withdrawal limit: EUR 350. Limits can vary by account tier and verification level.
Top-up methods include Crypto deposit.
Yes. Bitrefill requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Bitrefill Card is available in EEA (29 countries).
The Bitrefill Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.