A data-driven comparison of every crypto debit and credit card available to UK residents, ranked by cashback rate and fees. FCA rules, FSCS coverage, GBP funding, and HMRC Capital Gains Tax treatment are covered below.
For UK residents, the most practical picks are no-fee, GBP-friendly cards like Wirex (Faster Payments top-ups, £0 annual fee), or Gnosis Pay if you want self-custody. Note that FCA financial-promotion rules cap or remove cashback on several headline cards (including Nexo and Revolut) for UK customers, so the highest advertised rate is rarely the best real-world choice here.
The UK is one of the largest crypto card markets outside the US, with cards from Crypto.com, Wirex, Nexo, Revolut, Gnosis Pay, MetaMask Card, Kraken, Coinbase, and others. UK rules differ from the EEA: the FCA financial-promotions regime for cryptoassets (in force since 8 October 2023) shapes how UK customers can be onboarded and rewarded, and the UK has its own Capital Gains Tax treatment under HMRC.
A note before the rankings: under FCA rules, firms cannot offer "incentives to invest" in qualifying cryptoassets to UK consumers. That is why some cards which look high-cashback elsewhere pay reduced or no rewards in the UK, including Nexo (no UK cashback), Coinbase (rewards limited to US customers), and Revolut (0% baseline on standard crypto spend). The list below is sorted by base cashback rate; UK-specific reward limitations are called out inline.
One notable newcomer: the MoonAgents Card by MoonPay launched in May 2026 in the UK as the first consumer card built for AI agent spending. It is a virtual Mastercard funded with USDC on Solana and runs no rewards program, so the FCA incentive rules above do not shape what it pays. Our agentic crypto cards guide explains how agent-authorised spending works.
Cryptoassets sit outside the UK compensation safety net. The FCA states that "Consumers should not expect to be compensated under the Financial Services Compensation Scheme if things go wrong" (FCA, Marketing cryptoassets to UK consumers). The same regime, in force since 8 October 2023, classifies qualifying cryptoassets as Restricted Mass Market Investments and bans incentives to invest alongside mandatory risk warnings, positive frictions, client categorisation, and appropriateness assessments (FCA PS23/6). Several card programmes responded by withdrawing UK rewards: the Nexo Card remains available to UK residents but has paid no cashback since October 2023.
Cashback: 3% | Fee: $0 | Type: Credit | Base Rate: 3%
Borrow against crypto collateral. Liquidation risk. Core rate 3% on first $2K/mo (raised from 2% in mid-2026) is PROMOTIONAL — standard base rate is 2% and may revert; step-down: 1% $2K-$3K, 0.5% above $3K; $1,000/mo max cashback cap on Core. Luxe/Pinnacle also 3%. What scales is the monthly cashback-eligible spend cap ($2K Core, $10K Luxe, $50K Pinnacle). Available in ~30 US states (20 excluded: AZ, DE, GA, ID, LA, MD, MS, MO, MT, NV, NM, ND, OH, OR, RI, SD, TN, VT, WA, WI — major states like NY, CA, TX, FL ARE available), EU, UK, Hong Kong, UAE, and others (93 countries total). Loyalty Points earn ~3,000 per $1,000 spent so $17K/mo spend keeps Pinnacle status without ETHFI staking. Tiers revert to Core if staked balance drops below threshold. $40 refundable deposit for Core physical card. Migrated to OP Mainnet (April 2026). Cashback paid in USDC. Issued by Nimbus LLC (trading as Third National) under a Puerto Rico money transmitter licence; no EEA or UK e-money or payment licence is claimed anywhere. Spending limits are dynamic and set in-app rather than published. Cash features exclude several European countries including Estonia, Finland, Hungary, and the Netherlands.
Cashback: 3-9% PLU/PLUS Points | Fee: £6.99-£19.99/mo | Type: Debit | Base Rate: 3%
STATUS RECOVERED FROM MIGRATION, WITH A CAVEAT: Plutus terminated its Modulr banking contract in October 2025 (Plutus's decision, citing undelivered banking features), customer funds were returned in full, and card spending was suspended through the migration. Plutus's own status page now shows Cards Creation, Card Top Up, and Card Transactions at 100% uptime with no incidents from May to August 2026, and the site sells a free virtual card ('top up, spend as usual'), so the card is recorded as active again as of 2026-08-12. However, the newest official post is still the 20 February 2026 migration FAQ that describes card spending as not possible, no relaunch announcement has followed, and the new banking partner has never been named. Verify before recommending. Rewards have two axes, and the tiers listed here combine them: a monthly subscription plan sets the rewards-eligible spend cap (Starter £6.99 = £/EUR 250, Everyday £9.99 = £/EUR 500, Premium £19.99 = £/EUR 1,000, promotional discounts currently applied), and a stacked-PLU Reward Level sets the rate (Noob 3% at 1 PLU up to Honey Badger 9% at 40,000 PLU). Every rate above 3% still requires one of those paid plans, so the plan cost and its spend cap apply on top of the PLU requirement. Four further levels sit between Noob and Hero at the same 3% rate (Researcher 100 PLU, Explorer 200, Adventurer 500, Chad 1,000) and unlock extra perks and stackable rewards caps rather than a higher rate. Rewards accrue as PLUS (a loyalty point redeemable against gift cards, perks, and card top-ups) and PLU. Perks give up to £/EUR 10 back at 50+ brands including Netflix, Spotify, Amazon Prime, Uber, Tesco, Lidl, and Aldi. Fiat deposits and withdrawals are free; trading is 1% on Starter and 0% on Everyday and Premium. Apple Pay was one of the features Plutus says Modulr failed to deliver and is not confirmed on the current stack.
Cashback: 1-4% XRP/GBP | Fee: $0-$99.99/yr | Type: Debit | Base Rate: 2%
Relaunched Oct 2025 after SEC/Ripple settlement. Two tiers: Essential (free, 2% XRP, $120/mo cap) and Elite ($99.99/yr, 3-4% XRP, metal card, no ATM/FX fees, $300/mo cap). Elite: 4% on crypto/metals, 3% on fiat/stablecoins. Essential was 3-4% at launch but dropped to 2% flat for signups after Jan 1, 2026. UK: Mastercard, 1% GBP cashback on GBP-funded purchases only (non-GBP-funded spend earns 0%), capped at £100/mo. US virtual card only (physical coming). Direct Deposit promo (additional 4% XRP) expired March 31, 2026.
Cashback: 2-3% assetback + 10% APY | Fee: $0 | Type: Debit | Base Rate: 2%
Assetback replaced the previous physical-card-only cashback model globally on August 1, 2026: all cardholders earn 2% (Base Tier) and new users or those meeting the monthly spending threshold earn 3% (Booster Tier). The Booster threshold is market-dependent: $200/mo eligible spend in EEA/UK, Singapore, South Korea, Japan, Malaysia, Taiwan, Australia and mainland China, $100/mo across LATAM, Vietnam, Thailand, the Philippines, South Africa and Pakistan. Reaching it applies 3% retroactively to every eligible purchase in that calendar month and keeps Booster active through the following month. Rewards are paid in a chosen asset, BTC, tokenized gold (XAUT), tokenized US equities and ETFs via xStocks (NVIDIA, Tesla, Google, S&P 500), or USDC. The 0-fee spending program ended July 31, 2026 (23:59 UTC+8) and each user's old monthly 0-fee limit carried over unchanged as their monthly cashback-eligible spending cap (a $600/mo 0-fee limit became a $600/mo eligible cap). Up to 10% APY via Stablecoin Earn Plus (built on Aave). 10% guaranteed on first $10,000 USDC, 4-5% above. Virtual card activation is not unconditionally free: it costs 0.1 USDC if activated within 72 hours of KYC approval and 10 USDC after that window (third-party reviews Aug 2026; Bitget Wallet has no public fee schedule, and the bitget.com support fee article covers the separate Bitget exchange card). Physical card ($49) launched April 1, 2026 with fee-free ATM withdrawals (APAC first); before Aug 1, 2026 it earned 2.2% (5% first 30 days) while virtual cards earned nothing. Africa expansion May 2026 (South Africa live; Nigeria, Ghana, Kenya next). South Asia expansion July 2026: Pakistan, India, Sri Lanka, Bangladesh, Nepal. 1.70% spending fee, $400/mo standard zero-fee quota ($600/mo standard physical, $800/mo early-adopter). LATAM: Argentina, Brazil, Chile, Colombia, Ecuador, El Salvador, Guatemala, Mexico, Panama, Peru. APAC: Singapore, Japan, South Korea, Vietnam, Malaysia, Taiwan, Australia, Thailand, Philippines.
Cashback: Up to 2% | Fee: $0 | Type: Debit | Base Rate: 2%
Physical and virtual cards available (physical rollout confirmed via official 1inch blog, 2026). Powered by Baanx/Crypto Life (acquired by Exodus, May 2026). 0% FX fee, 1.75% crypto conversion fee on every transaction. €5K/mo spend cap, $500/day ATM (2% fee). EUR 4,800/mo cashback cap. Cashback selectable as 2% BXX, 1% BTC, or 1% USDT/1INCH. Runs on the same Crypto Life programme as the Baanx card, whose terms state that crypto transferred into the wallet passes in ownership to the operator, so the balance is custodial and no user gas applies at point of sale. 1inch officially states only that the card is available in the UK and EEA. The Bank of Lithuania fined issuer UAB Monavate EUR 270,000 with a warning on 2025-11-25 for AML, management, and reporting breaches.
Want the full list? Jump to the full comparison table.
The FCA's financial-promotions regime for cryptoassets (PS23/6) has been in force since 8 October 2023. Qualifying cryptoassets are classified as Restricted Mass Market Investments. In practice this means:
Separately, the FCA consulted on restricting retail consumers from using credit (including credit cards) to buy cryptoassets in CP25/40 chapter 5 (consultation closed 12 February 2026) and CP26/4 (closed 12 March 2026). In the final rules published on 30 June 2026, the FCA decided not to proceed with the restriction: most respondents argued the risks were overstated because credit providers already run creditworthiness assessments. There is therefore no UK ban on buying crypto with a credit card, although individual issuers may still block such purchases.
Looking ahead, the Financial Services and Markets Act 2000 (Cryptoassets) Regulations 2026 (SI 2026/102) were made on 4 February 2026. They create new regulated activities (custody, trading platforms, dealing, arranging deals, and arranging staking). The FCA published its final rules for the regime on 30 June 2026 across five policy statements (PS26/9 to PS26/13). The authorisation gateway opens on 30 September 2026 (application window closes 28 February 2027) and the full regime is expected to be in force on 25 October 2027. Several of the cards in the list above will need FCA authorisation to continue serving UK customers under the new regime.
The Financial Services Compensation Scheme does not cover cryptoassets. The FSCS makes this explicit: it cannot protect you if a platform that exchanges or holds cryptoassets fails. Being on the FCA's MLR-registered cryptoasset firms list also does not give you FSCS or Financial Ombudsman cover.
For cards backed by an e-money wallet, your fiat balance is protected by statutory safeguarding under the Electronic Money Regulations and Payment Services Regulations, not the FSCS deposit guarantee. The issuer must hold customer funds in a segregated account at an authorised credit institution or under an equivalent insurance arrangement. On insolvency, safeguarded funds are returned from the safeguarded asset pool, which may not return 100% and can be delayed. See the FCA's safeguarding requirements.
Using a crypto debit or credit card that converts crypto to fiat at point of sale is a disposal for Capital Gains Tax purposes. HMRC Cryptoassets Manual CRYPTO22100 lists "using tokens to pay for goods or services" as a disposal event alongside selling for money and exchanging for another token.
For 2026/27 (6 April 2026 to 5 April 2027), the CGT Annual Exempt Amount is £3,000 per individual. CGT rates on cryptoasset disposals are 18% for basic-rate taxpayers and 24% for higher and additional-rate taxpayers (rates rose from 10%/20% on 30 October 2024).
Worked example. A higher-rate taxpayer buys 0.1 BTC for £4,000 (s.104 pool cost). Over the tax year they spend it with a crypto debit card in many small transactions; the aggregate sterling value at the times of disposal is £6,500. Allowable cost £4,000, gain £2,500. That gain sits within the £3,000 Annual Exempt Amount, so no CGT is due. If the aggregate disposal value were £8,500 instead, the gain would be £4,500, of which £1,500 falls into the chargeable amount and is taxed at 24% (£360). Pool and gain calculations must be done in sterling per HMRC CRYPTO22150 and CRYPTO22200.
Cashback and staking rewards. HMRC has published no specific guidance on crypto card cashback. Practitioners commonly treat plain spend-cashback as a non-taxable rebate by analogy to fiat cashback, but this is unconfirmed and you should keep records and consider professional advice. Rewards that require active staking are clearer: CRYPTO21200 treats them as miscellaneous income at sterling value on receipt, and the sterling value at receipt then becomes the acquisition cost for any later CGT disposal.
CARF reporting. The Cryptoasset Reporting Framework took effect on 1 January 2026 (SI 2025/744). UK Reporting Cryptoasset Service Providers must collect customer identity and transaction data for the 2026 calendar year and report it to HMRC between 1 January and 31 May 2027. This is information reporting, not a new tax. Practical takeaway: keep accurate records of every disposal made through your crypto card, including the sterling value at the time of the disposal.
HMRC has not issued specific guidance on crypto card cashback. Practitioners commonly treat plain spend-cashback as a non-taxable rebate by analogy with fiat cashback, but this is unconfirmed. Cards that require staking to earn rewards are a clearer case: HMRC treats staking rewards as miscellaneous income at sterling value on receipt (Cryptoassets Manual CRYPTO21200). Keep accurate records and consider professional tax advice for material amounts.
Yes. The FCA consulted on restricting retail consumers from using credit (including credit cards) to buy cryptoassets in CP25/40 (chapter 5) and CP26/4, but decided not to proceed with the restriction in its final rules for the new cryptoasset regime, published 30 June 2026. Most respondents argued the risks were overstated because lenders already apply creditworthiness rules. Your card issuer may still impose its own restrictions independently of the FCA.
No. The Financial Services Compensation Scheme does not cover cryptoassets. Where a card holds your balance in an e-money wallet, those funds are protected by statutory safeguarding under the Electronic Money Regulations and Payment Services Regulations, which is not the FSCS guarantee and may not return 100% on the issuer's insolvency. The underlying crypto remains unprotected.
Spending crypto from a debit or credit card that converts crypto to fiat at point of sale is a disposal for Capital Gains Tax purposes (HMRC Cryptoassets Manual CRYPTO22100). You must report disposals where gains exceed the £3,000 Annual Exempt Amount for 2026/27. Separately, from 1 January 2026, UK-based Reporting Cryptoasset Service Providers collect identity and transaction data under the Cryptoasset Reporting Framework and report it to HMRC from 2027; this is information reporting, not a new tax.
Most UK-available cards accept GBP via Faster Payments bank transfer or debit-card top-up. SEPA is EUR-only and is not used for GBP. For a stablecoin-funded card such as Gnosis Pay, Monerium GBPe (a GBP-pegged e-money token on Gnosis Chain) is the closest on-chain GBP rail. Funding mechanics vary per card; check the card detail page for specifics.
Every active crypto card available to UK residents, side by side. Cards explicitly naming the UK are listed first, then sorted by base cashback rate.
| Card | Cashback | Annual Fee | Type | Region |
|---|---|---|---|---|
| Ether.fi Cash | 3% | $0 | Credit | US (30 states; 20 excluded)/EU/UK/HK/UAE + more |
| Plutus Card | 3-9% PLU/PLUS Points | £6.99-£19.99/mo | Debit | UK/EEA |
| Uphold Card | 1-4% XRP/GBP | $0-$99.99/yr | Debit | UK + US |
| Bitget Wallet Card | 2-3% assetback + 10% APY | $0 | Debit | EU/UK/LATAM/APAC/Africa |
| 1inch Card | Up to 2% | $0 | Debit | UK/EEA |
| Pera Card | 2% USDC | $0 | Debit | UK/EU/NZ |
| MetaMask Card | 1-3% mUSD | $0-$199/yr | Debit | US (49 states)/EU/UK/LATAM/Canada |
| Gnosis Pay | 1-5% GNO | €30 one-time | Debit | EU/UK/LATAM |
| Curve Card | 1% at select retailers (fiat only) | £0-€179.90 | Aggregator | UK/EU |
| Baanx / Ledger CL Card | 1-2% | $0 | Debit | US/UK/EU/LATAM/Canada |
| Nexo Card | 0.5-2% NEXO | $0 | Debit | EEA/UK/Switzerland/Argentina |
| Tap Global Card | 0.5-8% | $0 | Debit | UK/EU/EEA |
| Krak Card | Up to 2% | $0 | Debit | UK + EEA |
| SpectroCoin Card | 0% | €1/mo (€12/yr) | Debit | EEA + UK (30+ countries) |
| Solflare Card | 0% | $0 | Debit | EEA/UK |
| MoonAgents Card | 0% | $0 | Debit | UK/LATAM |
| Spritz Card | 0% base (5% travel & dining, promotional) | $0 | Debit | 31 countries |
| E Money Card | 2% crypto | $99 one-time | Credit | 150+ countries |
| Jupiter Global Card | 2-4% USDC | $0 | Credit | Global |
| Plasma One Card | 2-10% XPL | $0-$199/yr or XPL lock | Debit | 150+ countries (NOT US) |
| Fasset Card | 2-6% XAU₮ | $0 (Classic) | Debit | 125+ countries (UAE/SEA/South Asia focus) |
| KAST Card (flagged) | 1.5-3% USD (+ KAST Points) | $0-$10,000/yr | Debit | 170+ countries |
| Tria Card | 1.5-6% USDT | $0 (one-time fee) | Debit | 150+ countries |
| Pengu Card | 1.5-3% USD | $0-$10,000/yr | Debit | 170+ countries |
| Solayer Emerald Card | 1% + Points | $10-$75 one-time | Debit | Global (US restricted) |
| XPlace Card | 1-4% USDC + XP | $0-$999/yr | Credit | Global |
| Kolo Card | 1% BTC + 2% welcome | $0 | Debit | 60+ countries |
| GoMining Card | 1-4% TH/s | $0 | Debit | 130+ countries (excl. sanctioned) |
| Lava Card | 1-5% BTC | $0 | Credit | Global (US focus) |
| Wirex Card | 0.5-8% WXT | €0-€29.99/mo | Debit | 150+ countries |
| Xapo Card | 0.2-1% BTC | $1,000/yr | Debit | 110+ countries |
| Pionex Card | 0.1-1% USDT | $0 | Debit | Global (NOT US/China) |
| Crypto.com Visa Card | 0-8% CRO | $0 (subscription $4.99-$29.99/mo) | Debit | 90+ countries |
| Revolut Crypto Card | 0-1% on crypto spend | $0-$16.99/mo | Debit | 48+ countries (NOT US) |
| RedotPay | 0% | $10 virtual / $100 physical | Debit | 100+ countries |
| Rain Card | 0% | $0 | Debit | 150+ countries (partner-dependent) |
| xKard (flagged) | 0% | $0 (subscription $9-$49/mo) | Debit | Global (excl. US + sanctioned) |
| Bing Card (flagged) | 0% | $0 | Debit | Global (NOT US) |
| Amp Black Card (flagged) | 0% (promo expired) | $0 | Debit | Global |
| THORWallet Mastercard | TITN staking rewards | $0 (one-time ETH fee) | Debit | 175+ countries (NOT US) |
| OffGrid Cash (flagged) | 0% | $49-$299/yr (mandatory tier subscription) | Debit | Global |
| Wayex Card | 0% | $0 | Debit | 160+ countries (28 for card) |
| Oobit Card | Up to 10% | $0 | Debit | Global (most countries, 22 exclusions) |
| SafePal Card | 0% (2-3% travel promos only) | $0 | Debit | Global (NOT US) |
| CoinW Card | 0% | Variable | Debit | Global |
| Cryptomus Card | 0% | $4 issuance + 3.2% top-up | Debit | Global |
| SolCard (flagged) | 0% | $0 | Debit | Global (150M+ merchants) |
| Zypto Card | ZYP token rewards | $0/mo, $0.30/tx | Debit | Global |
| Rizon Card | 0-5% by tier | $0 | Debit | 122+ countries (US/LATAM focus) |
| Payy Card | 0% | $0 | Debit | Global |
| UPay Card | None | $0 | Debit | 168 countries |
| BYDFi Card | 0% | $12/yr | Debit | Global (excl. US/China/Russia) |
| BenPay Card | 0% | $0 | Debit | Global (200+ countries) |
| dtcpay Digital Treasures Card | 0% | $0 | Debit | Singapore (Global acceptance) |
| DPT Card | 0% | $0-$10,000/yr | Debit | Global (excl. US citizens + 17 countries) |
| Trocador Prepaid Cards (flagged) | None | $0 (about $2.50/month per card from month 3 on international Mastercard) | Aggregator | Global (incl. US) |
| Laso Finance Card (flagged) | None | $0 | Debit | Global (~189 countries, incl. US) |
| MaxSwap Virtual Card (flagged) | None | $0 | Debit | Global (excl. sanctioned states; US unconfirmed) |
| Kardpay (flagged) | None published | $0 (one-time $28 card fee) | Debit | Global (180+ countries claimed) |
| Pinto Pay (flagged) | None | $0 | Debit | Global (NOT US) |
| Goblin Card (flagged) | None | $0 ($350 one-time card fee) | Debit | Worldwide |
| Freedomia Card (flagged) | None | $60/yr ($5/mo Founder tier) | Debit | Global |
| Agora Card (flagged) | None | $0 ($90 virtual or $500 physical, one-time) | Debit | Global excluding sanctioned and high-risk jurisdictions |
| Keytom Card (flagged) | None | $10/mo (per card; $20/mo with both virtual and physical active) | Debit | 150+ countries |
| Karma Card | Points-based | $0 | Debit | Global (excludes sanctioned countries; Kosovo excluded for cards) |