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.
The UK is one of the largest crypto card markets outside the US, with cards from Crypto.com, Wirex, Nexo, CoinJar, 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.
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: Visa, 1% GBP cashback. US virtual card only (physical coming). Direct Deposit promo (additional 4% XRP) expired March 31, 2026.
Cashback: Up to 2% | Fee: $0 | Type: Debit | Base Rate: 2%
Virtual card only (no physical). 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.
Cashback: 2% USDC | Fee: $0 | Type: Debit | Base Rate: 2%
Non-custodial Mastercard debit card on Algorand, launched May 2025 via Immersve. Spend USDC (USDCa) from your Pera Wallet at any Mastercard merchant via Apple Pay/Google Pay. Funds deposited to a dedicated on-chain card address (not centralized custody); withdraw instantly via Immersve or permissionlessly after a 7-day delay. Real-time on-chain settlement leveraging Algorand instant finality. Minimal Algorand network fees (~0.001 ALGO per tx). No annual or signup fees. 2% cashback paid in USDC to spending wallet. Available in UK, Germany, Italy, Spain, New Zealand.
Cashback: 1-3% mUSD | Fee: $0-$199/yr | Type: Debit | Base Rate: 1%
Now available in 49 US states (excl. Vermont). Cashback paid in mUSD (MetaMask USD) since Oct 2025. Metal tier $199/yr (auto-renew, cancel anytime): 3% on first $10K/yr spend, then 1% thereafter (NOT 0%). Available in 50+ countries incl EU, UK, Canada, Argentina, Brazil, Chile, Colombia, Mexico. Supports Linea, Base, Solana wallets.
Cashback: 1-5% GNO | Fee: €30 one-time | Type: Debit | Base Rate: 1%
GIP-131 Intermediary Cashback Programme ACTIVE (approved, runs through June 30, 2026, funded by Gnosis Ltd). Tiers: ≥0.1 GNO 1%, ≥1 GNO 2%, ≥10 GNO 3%, ≥100 GNO 4%, +1% OG NFT bonus (max 5%). Weekly GNO payouts; weekly spend caps tied to GNO holdings, reset 00:00 UTC Sundays. Partner cashback available (Zeal for Europe, PicnicBR for Brazil). Geographic expansion planned: USA, Mexico, Colombia, Australia, Singapore, Thailand, Japan, Indonesia, India. Safe wallet integration. ~1.5% stabilization fee.
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 has proposed restrictions on retail consumers 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). As of 2026-05-21, this is a proposal, not in-force law; final rules have not yet been published. The FCA's stated initial expectation is that FCA-authorised qualifying stablecoins would be carved out of any such restriction.
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 authorisation gateway opens around September 2026 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, as of 2026-05-20 there is no in-force ban. The FCA has proposed restrictions on retail consumers using credit (including credit cards) to buy cryptoassets, with a likely carve-out for FCA-authorised qualifying stablecoins, in consultations CP25/40 (chapter 5, closed 12 February 2026) and CP26/4 (closed 12 March 2026). Final rules have not yet been published. Your card issuer may 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 |
|---|---|---|---|---|
| Uphold Card | 1-4% XRP/GBP | $0-$99.99/yr | Debit | UK + US |
| 1inch Card | Up to 2% | $0 | Debit | UK/EEA (31 countries) |
| 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 |
| Baanx / Ledger CL Card | 1-2% | $0 | Debit | US/UK/EU/LATAM/Canada |
| CoinJar Card | 1% CoinJar Points | $0 | Debit | UK |
| Nexo Card | 0.5-2% NEXO | $0 | Debit | EEA/UK/Switzerland |
| Tap Global Card | 0.5-8% | $0 | Debit | UK/EU/EEA |
| Ready Card | 0.5-3% STRK | $0-$120/yr | Debit | UK/EEA |
| Krak Card | Up to 2% | $0 | Debit | UK + EEA |
| Bitget Wallet Card | Up to 10% APY staking | Variable | Debit | EU/UK/LATAM/APAC/Africa |
| Curve Card | Optional crypto | £0-€179.90 | Aggregator | UK/EU |
| 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 |
| Pengu Card | 6-12% (Points + MOVE) | $0 | Debit | 170+ countries |
| Jupiter Global Card | 4% JupUSD | $0 | Credit | Global |
| Plasma One Card | Up to 3% XPL | $0 | Debit | 150+ countries |
| E Money Card | 2% crypto | $99 one-time | Credit | 150+ countries |
| Oobit Card | Up to 10% | $0 | Debit | Global (150+ countries) |
| Kolo Card | 2% BTC + 5% welcome | $0 | Debit | 170+ countries |
| Tria Card | 1.5-6% USD | $0 (one-time fee) | Debit | 150+ countries |
| KAST Card | 1-6% Points (+ 4% MOVE) | $0-$10,000/yr | Debit | 150+ countries |
| Solayer Emerald Card | 1% + Points | $10-$75 one-time | Debit | Global (US restricted) |
| Amp Black Card | Up to 4% | $0 | Debit | Global |
| Cypher Card | 1-5% + CYPR tokens | $0 (Premium $199/yr) | Debit | 160+ countries |
| Pionex Card | 1% USDT | $0 | Debit | Global (NOT US/China) |
| Wirex Card | 0.5-8% WXT | $0-$29.99/mo | Debit | 150+ countries |
| XPlace Card | 0.5-2% USDC + XP | $0-$5,000/yr | Credit | Global |
| Xapo Card | 0.2-1.1% BTC | $1,000/yr | Debit | 110+ countries |
| Crypto.com Visa Card | 0-8% CRO | $0 (subscription $4.99-$29.99/mo) | Debit | 90+ countries |
| Revolut Crypto Card | 0% on crypto spend | $0-$16.99/mo | Debit | 48+ countries (NOT US) |
| RedotPay | 0% | $10 virtual / $100 physical | Debit | 150+ countries |
| Rain Card | 0% | $0 | Debit | 100+ countries |
| Exa Card | 0% | $0 | Credit | 180+ countries |
| THORWallet Mastercard | TITN staking rewards | $0 (one-time ETH fee) | Debit | 175+ countries (NOT US) |
| OffGrid Cash | 0% | TBD | Debit | Global |
| Wayex Card | 0% | $0 | Debit | 160+ countries (18 for card) |
| SafePal Card | 0% (2-3% travel promos only) | TBD | Debit | Global (NOT US) |
| CoinW Card | 0% | Variable | Debit | Global |
| Cryptomus Card | 0% | $4 issuance + 3.2% top-up | Debit | Global |
| SolCard | 0-8% | $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 | 147+ countries (US/LATAM focus) |
| Payy Card | 0% | $0 | Debit | Global |
| UPay Card | None | $0 | Debit | 168 countries |