Above the fold - Whether you're new to crypto or an experienced user, we’ve got you covered with the best Google Pay crypto cards. Our 2025 guide highlights top picks with features like high-limits, fee-free options, and global acceptance. Stick with us to find the perfect card to match your spending needs and lifestyle.
Google Pay crypto cards are a convenient way for crypto users to spend their digital assets without the need to convert to fiat currency. Issued by crypto platforms and supported by major networks like Visa and Mastercard, these cards are accepted at millions of locations worldwide. The integration with Google Pay makes transactions even easier—just tap your phone to pay. No manual conversions are needed. It’s fast, simple, and hassle-free.
| Card Name | Top Features | Pros | Cons |
| Nexo Card | Up to 14% interest | Dual mode (credit/debit); no annual fees | High activation amount |
| UPay Platinum Card | Accessible in 168+ countries | Low cost; high limit | No physical card option |
| Bybit Card | Cashback up to 10%; Auto-Saving feature | High balance limit | Low monthly spending limit |
| SORA Card | Supports niche coins; EU IBAN accounts | No issuance fee | High transaction fees |
| Holyheld Card | Supports NFT minting; insured for $50,000 | Free monthly transactions | High initial costs |
This review highlights the Nexo card as the top choice for a crypto card compatible with Google Pay. Launched in 2018, this card allows users to earn up to 14% annual interest on their collateral and enjoy up to 2% cashback in cryptocurrency on their purchases. It supports a wide array of over 100 digital assets, including major cryptocurrencies like BTC, ETH, LTC, and ADA, as well as popular memes coins like DOGE and stablecoins such as USDT and USDC. It’s compatible with EUR, GBP, and USD payments.
Highlight: Why stick to one crypto when Nexo lets you use them all? Skip the hassle of conversions and spend any supported asset directly. It’s cheaper, easier, and way more efficient.
Nexo claims to be the first crypto card to offer dual functionalities of both credit and debit card. With just a single tap, switch between debit and credit mode.The credit card functionality allows you to use crypto as collateral for payments without selling your assets, with borrowing rates starting at just 2.9%. Alternatively, debit mode facilitates real-time purchases directly with your cryptocurrency. The card is available in both physical and virtual formats, offering unparalleled flexibility for modern crypto users.
Issuance and Activation:
Nexo virtual cards are free but require an initial deposit of $50 or its equivalent for activation.
Physical Nexo cards are shipped for free but require a minimum balance of $500 to activate.
ATM Withdrawals: New users get five free withdrawals; after that, it’s €1.99/£1.99 per transaction.
Annual Fees: Zero
| Pros | Cons |
| Dual mode crypto card | Relatively high activation amount |
| High interest on idle funds | Limit geographical reach |
| No annual fees | |
| No inactivity fees |
The UPay Platinum Card ranks as the second-best crypto card supporting Google Pay for a good reason. It’s one of the most accessible with availability in 168+ countries, including the Middle East and Asia—way more reach than most crypto cards. Plus, it’s a virtual collateralized card, so you can borrow against your crypto and use it for most payments including Netflix, Amazon, or Uber. The UPay Platinum card is issued in Hong Kong and mainly supports USDT for recharge and USD for transactions.
Highlight: UPay, the innovator behind the UPay Platinum Card, is a trusted name and among the fastest-growing FinTech companies. In under two years, it reports to have already processed an impressive $30 billion
The UPay Platinum card stands out for its compatibility with over 50 million remittance volume. The firm behind the card claims to have cultivated trust among more than 500K user registrations and 20 million card transaction volume, which is already experiencing strong growth.The UPay Platinum Card combines affordability with high-limit flexibility. It requires just a 10 USDT minimum top-up and offers a high maximum limit of 200,000 USDT, which makes it appealing to both low budget users and high rollers.
Issuance and Activation: The UPay Platinum Card costs only $10 which is also the activation fee.
Transaction Fee: Zero Transaction Fee
Annual Fee: Zero Annual Fees
The Bybit crypto card ranks third in this review of Google Pay-supported cards. Powered by Mastercard, this debit card also integrates with Google Pay, provides global payment access at over 100 million locations and offers both virtual and physical card options. Supported cryptocurrencies include BTC, ETH, XRP, USDT, and BNB. A standout feature is the Auto-Saving function, which lets users earn up to 8% annually on idle funds.
Highlight: Bybit’s card is a 100% debit card, so it doesn’t allow you to collateralize your crypto or take out loans against it. Payments are made directly from your crypto balance.
The Bybit prepaid crypto card offers an attractive loyalty rewards program that allows users to earn up to 10% cashback on every crypto purchase. The card supports a maximum balance of £250,000 or its equivalent. However, the monthly spending limit is relatively low, capped at £50,000 despite the high balance allowance.
Issuance and Activation: 5 EUR
Transaction Fee: 0.5% on top of Mastercard’s foreign exchange fee,
ATM Withdrawals: The first 100 EUR/GBP spent each month is free, but after that, a 2% fee applies.
Annual Fee: No Annual Fees
Our fourth recommendation, the SORA Card, markets itself as the ultimate all-in-one custodial crypto and neobanking solution. It supports both crypto and fiat deposits though EU based IBAN accounts. If you’re a fan of mainstream coins like BTC, USDT, ETH and XRP, this card may not be for you as it only focuses on niche digital coins, mainly, SWAP, TBCD, VAL, XOR, XST, ans XSTUSD. For payments, it supports the EUR, USD and GBP.
Highlight: SORA card users can top up their card using cryptocurrencies like ETH by bridging and swapping through platforms such as Polkaswap.io into XOR or EUR.
The SORA Card functions as a debit card. It enables users to manage and spend their crypto holdings directly at fiat outlets, but doesn’t offer loans. Fiat users are required to complete KYC verification to comply with AML regulations. Daily transaction limits are set at €5,000 for ATM cash withdrawals and €25,000 for total daily spending.
Issuance and Activation: No Fees
Transaction Fee: 0.05 EUR, incoming and 0.5 EUR for outgoing transaction
Annual Fee: 39 EUR
Other Costs: Monthly inactivity fee of 0.99 EUR
The Holyheld crypto card is a feature-packed non-custodial Mastercard debit card with Google Pay integration. Beyond standard payment features, it supports crypto payments, DAO contributions, NFT minting and collection, and DEX trading. Users can top up the card through wallets like MetaMask and TrustWallet, using networks such as Avalanche, Ethereum, Polygon, and Optimism.
Highlight: Holyheld places security first by insuring each card for up to $50,000. Its payment algorithms also undergo independent audits for added safety.
Cashback rewards include up to 0.5% for virtual cards and 1% for physical cards. Users benefit from a 5,000 EUR daily ATM limit and a 10,000 EUR daily spending limit. Account setup is seamless with wallet connect, though the user interface might feel less beginner-friendly.
Issuance and Activation:
Virtual Cards: 29 EUR for the Classic card and 99 EUR for limited edition version
Physical Cards: 199 EUR
Transaction Fee: 100 free monthly payments, then 0.1 EUR domestic and 2%+1 EUR cross border charges
Annual Fee: None
Other Costs: 1 EUR monthly inactivity fee
Crypto cards work by converting cryptocurrency into fiat money. This allows users to make everyday purchases at merchants that accept traditional payment methods like Visa or Mastercard. Here’s a breakdown of how they operate:
Conversion Mechanism: When you make a purchase using a crypto card, the merchant requests payment in fiat currency (e.g., USD, EUR). The crypto in your wallet is then automatically converted to fiat at the prevailing exchange rate.
Integration with Payment Networks: Most crypto cards, like those issued by Visa or Mastercard, work across global networks. This makes them usable for shopping on platforms like Amazon or paying for services like Netflix and Uber, as well as physical stores such as Walmart. Physical cards allow ATM cashouts just like traditional bank cards.
Top-Ups and Recharges: Users can preload the card with cryptocurrency or link it directly to their crypto wallet. Some cards also allow topping up with fiat.
Added Benefits: Many crypto cards offer perks such as cashback in crypto, staking rewards, or discounts. Niche cards, such as those focusing on DeFi even offer NFT storage options.
Security and Management: Advanced apps let users manage their spending, lock/unlock cards, and monitor transactions in real-time. Top Google Pay crypto cards comply with multiple regulations for user safety. They employ strong encryption mechanisms and added security features like multi-factor authentication to keep your funds secure, some even insure user funds.
Getting started with a Google Pay crypto card is straightforward. Here’s how to do it using the UPay Platinum card:
1. Choose Your Provider: Find a Google Pay crypto card provider that suits your needs.
2. Sign Up for an Account: Visit the card issuer website or download their app and create an account.
3. Complete KYC Verification: Submit required documents, such as a government-issued ID and proof of address, to complete the identity verification process.
4. Deposit Crypto to Your Wallet: Once approved, add funds to your newly created wallet through suppoirted options.
5. Order Your Virtual Card: Apply for your card. Request for a physical card if its an option
6. Link to Google Pay: Once the card is issued, retrieve the card details (card number, expiration date, CVV). Open the Google Pay app, select "Add Payment Method," and follow the on-screen instructions to link your card.
7. Start Spending: Your card is now ready for use. Make payments at Google Pay-compatible merchants and enjoy the benefits of seamless crypto spending.
When selecting a Google Pay-compatible crypto card, consider these factors:
Global Compatibility: Ensure the card works across a wide range of countries and merchants.
Fees: Look for cards with low or no fees for issuance, maintenance, or transactions. Pay attention to withdrawal fees and foreign exchange rates.
Supported Cryptocurrencies: Choose a card that supports the cryptocurrencies you frequently use.
Spending Limits: Check the card’s top-up minimums and maximum spending limits to ensure they align with your needs.
Ease of Integration: Opt for cards with seamless integration with Google Pay for quick and secure payments.
Reputation and Security: Research the provider’s reputation, including user reviews, licensing, and security measures like two-factor authentication and encryption.
Crypto cards have transformed how users can spend their digital assets by eliminating the need to sell crypto on exchanges and convert it into fiat currency before making purchases. With the right card, you can continue to grow your investments while enjoying smooth transactions anytime, anywhere. While Nexo card and UPay Platinum card stand out as our top choices due to their extensive benefits and features, it's worth exploring the full range of options available. Each card on our list offers unique perks designed to meet different user needs—whether it's comprehensive loyalty programs, DeFi integration, or support for niche cryptocurrencies. Take the time to select the card that best fits your lifestyle and spending habits. Your next crypto-powered shopping adventure is just a tap away.
1. Can I use crypto cards for online and in-store purchases?
Yes, crypto cards can be used for both online and in-store purchases at merchants that accept major payment networks like Visa or Mastercard.
2. Are Google Pay crypto cards secure?
Yes, these cards are secure, as they leverage the payment network's security features along with crypto platform protection
3. Will I be required to pay taxes on my crypto card rewards?
Rewards from crypto cards may be taxable depending on your country's tax laws. Consult with a tax professional for details.
4. Can I use my crypto card abroad?
Yes, most crypto cards including Nexo Card and the UPay Platinum card are globally accepted at merchants that support Visa or Mastercard, making them suitable for use abroad.