Best Crypto Cards with No FX Fees (May 2026)
Zero FX markup is rarer than you'd expect. Many cards advertise low fees but apply a 1-3% markup on non-settlement-currency transactions. The cards below charge no FX fee at all, making them strong picks for travellers and international online shopping.
Our pick
Zero FX markup is rare and worth optimising for if you travel or buy in multiple currencies. Crypto.com charges 0% FX on most stake tiers, making it the strongest mainstream option. Holyheld and Wirex also do 0% FX without staking: Holyheld via self-custody, Wirex via its X-Accounts model. Full list below, ranked by total cost on cross-currency spend.
12 cards in this category
Crypto.com
Max cashback
5%
Realistic: 2%
FX fee
0%
•••• 2555
VISA
Holyheld
Max cashback
1%
Realistic: 0.5%
FX fee
0%
•••• 9983
mastercard
Wirex
Max cashback
8%
Realistic: 1%
FX fee
0%
•••• 1859
VISA
Bitpanda
Max cashback
2%
Realistic: 1%
FX fee
0%
•••• 1485
VISA
Coinbase Card (Visa Debit)
Max cashback
4%
Realistic: 1.5%
FX fee
0%
•••• 8622
VISA
MetaMask
Max cashback
3%
Realistic: 1%
FX fee
0%
•••• 7079
mastercard
Tria
Max cashback
6%
Realistic: 2%
FX fee
0%
•••• 5662
VISA
Karta
Max cashback
None
FX fee
0%
•••• 3721
VISA
Ready
Max cashback
3%
Realistic: 2.5%
FX fee
0%
•••• 9723
mastercard
Binance Card
Max cashback
2%
Realistic: 1%
FX fee
0%
•••• 9706
VISA
Bleap
Max cashback
20%
Realistic: 2%
FX fee
0%
•••• 7666
mastercard
Gemini Credit
Max cashback
4%
Realistic: 1.5%
FX fee
0%
•••• 5483
mastercard
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