Best XRP crypto cards

The Bit2Me Card is a custodial Mastercard from Spain's largest crypto exchange, spending from a Bit2Me account across the EEA with no monthly or maintenance fees. Cashback is tiered and paid in the B2M token, reaching up to 9% when spending with B2M at the top tier (roughly 1% at the base tier). ATM withdrawals are free within the EU up to EUR 300 of volume, with a 2% fee outside the EU and about a 1.2% crypto-to-euro conversion cost. Both virtual and physical cards, plus Apple Pay and Google Pay, are supported.

The Bitpanda Card is a euro-area Visa debit card that lets you spend directly from any of the 240+ assets held in your Bitpanda account, converting them to fiat at the point of sale. It advertises 0% FX fees on non-euro spending (though the Visa scheme mark-up still applies) and pays 1% cashback on crypto-asset spending. There is no monthly or issuance fee, but funding a purchase carries Bitpanda's built-in spread, and the card is physical-only with a €350 daily ATM cap.

Gate Card is a physical Visa debit card from exchange Gate.io aimed at EEA residents, funded from a large pool of supported crypto assets that convert to fiat when spent. Purchases inside the EEA carry no transaction fee, while a roughly 0.9% top-up conversion fee and a 2% charge on non-EUR spending apply. Cashback runs from 1% in USDT up to 5% depending on card tier, with daily spending capped around EUR 10,000 and ATM withdrawals around EUR 1,000.

KuCard is KuCoin's EEA-only Visa card, available as a free virtual card or a physical card for a 9.99 EUR issuance fee. It converts a handful of top-up coins (BTC, ETH, USDT, USDC, XRP and native KCS) to euro, charging a 2% fee on non-EUR transactions and a small ATM fee, with a 10 EUR annual fee that is waived above 500 EUR of yearly spend. Rewards start at 1.2% and reach up to 3% cashback paid in KCS.

The Kinesis Card is a custodial, virtual-only Mastercard that lets users spend tokenized allocated gold (KAU) and silver (KAG) alongside crypto with automatic instant fiat conversion at the point of sale. It rewards spending with up to 2% cashback paid in physical gold rather than a token, plus recurring precious-metal yield, though total spend-based earning is capped. Card spending costs roughly 2.17% (1.95% provider fee plus 0.22% execution) with a 1% FX fee and no monthly charge. It is live in 50+ EU-focused countries but excludes the US.

Cryptopay issues a prepaid GBP/EUR Visa card, available as both virtual and physical, that is topped up from a custodial Cryptopay wallet. It is one of the more fee-heavy options here: roughly €1/month (plus a €5/month inactivity charge), a €5 physical-card fee, a 1% top-up fee, 3% on foreign-currency spending and €2.50 domestic ATM withdrawals. There is no cashback, and the daily spend ceiling is a generous €30,000.