XRP is supported by fewer cards than Bitcoin or stablecoins. The ones below let you hold or top up with XRP and spend it at regular card merchants.
23 cards
Ranked by user rating from Reddit, app stores and reviews. How we rate
An entry-level stablecoin card for everyday spending, with no annual fee and 2% cashback on purchases for holders of stablecoins.
Virtual + physical · Visa · Apple Pay & Google Pay
Spend USDT, USDC, USDe, PYUSD, RLUSD +2 more
A Mastercard that works in debit mode or credit mode, letting you borrow against your crypto, with up to 2% cashback in NEXO tokens.
Virtual + physical · Mastercard · Apple Pay & Google Pay
Spend BTC, ETH, USDT, USDC, DAI +10 more
A Visa debit card tied to the Change investment platform, regulated in Estonia and meant for European users who spend in euros.
Virtual + physical · Visa
Spend BTC, ETH, SOL, XRP, ADA +6 more
A premium card with gamified rewards in Shards and Stones, offering the fullest set of ZEN.COM platform perks.
Virtual + physical · Mastercard · Apple Pay & Google Pay
Spend BTC, ETH, USDT, LTC, SOL +8 more
An instantly activated virtual Mastercard with no KYC, funded with USDT and aimed at global spending, digital advertising and recurring subscriptions.
Virtual card · Mastercard · Apple Pay & Google Pay
Spend BTC, ETH, USDT, USDC, BNB +32 more
A Visa card for spending crypto at 60+ million merchants, with cashback up to 8% in BNB depending on your holdings and no issuance or transaction fees.
Virtual + physical · Visa · Apple Pay & Google Pay
Spend BTC, ETH, BNB, USDT, USDC +8 more
A widely used crypto card with rewards tiers based on CRO staking and cashback of up to 8% at the higher tiers.
Virtual + physical · Visa · Apple Pay & Google Pay
Spend BTC, ETH, USDT, USDC, XRP +3 more
A premium metal card with 1% cashback outside Europe, free ATM withdrawals up to €800 a month and unlimited currency exchange, included in the €14.99 monthly Metal plan.
Physical card · Visa · Apple Pay & Google Pay
Spend BTC, ETH, SOL, XRP, DOGE +7 more
A Mastercard credit card paying up to 4% back in crypto, with no annual fee or foreign transaction fees, for US residents.
Physical card · Mastercard
Spend BTC, ETH, SOL, DOGE, XRP +9 more
A Visa debit card that converts from 12 supported cryptocurrencies to EUR at payment, intended for everyday spending by EEA residents.
Virtual + physical · Visa · Apple Pay & Google Pay
Spend USDC, BTC, ETH, XRP, SOL +7 more
A digital Mastercard with high spending limits, mobile wallet support and instant crypto-to-fiat conversion at checkout.
Virtual card · Mastercard · Apple Pay & Google Pay
Spend BTC, ETH, USDT, USDC, XRP +3 more
A virtual card that spends straight from a crypto wallet or in-app balance, accepted at 150M+ Visa merchants, with cashback up to 10% in OOB or 5% in USDT.
Virtual card · Visa · Apple Pay
Spend BTC, ETH, USDT, USDC, USDR +20 more
A Visa card that spends straight from your BitMart spot account, converting crypto to fiat at the point of sale and paying tiered cashback to exchange users.
Virtual + physical · Visa · Apple Pay & Google Pay
Spend USDT, USDC, BTC, ETH, SOL +7 more
A physical card that spends crypto, fiat or precious metals with live conversion, paying 1-2% BTC cashback depending on BEST/VSN holdings, and regulated under MiCAR in Europe.
Physical card · Visa
Spend BTC, ETH, SOL, XRP, ADA +7 more
A virtual Mastercard from the 1inch DeFi aggregator, issued through Baanx, that converts crypto automatically at purchase and pays up to 2% cashback.
Virtual card · Mastercard · Apple Pay & Google Pay
Spend 1INCH, USDT, BTC, LTC, XRP +1 more
A Visa card from Baanx that works with Ledger hardware wallets, offering up to 2% cashback and daily spending up to €15K.
Physical card · Visa · Apple Pay & Google Pay
Spend BTC, ETH, SOL, USDT, USDC +3 more
A multi-currency crypto card with a rewards program that supports spending in fiat and crypto across several chains.
Virtual + physical · Mastercard · Apple Pay & Google Pay
Spend BTC, ETH, USDT, XRP, LTC
A Visa debit card for EEA residents that converts crypto to EUR at the moment of purchase, with no fees on declined transactions.
Virtual + physical · Visa · Apple Pay & Google Pay
Spend USDT, USDC, BTC, ETH, XRP +5 more
One of Europe's earliest Bitcoin debit cards, supporting 35+ cryptocurrencies, with a €30,000 daily spending limit and a plain €1 monthly fee.
Virtual + physical · Visa
Spend BTC, ETH, LTC, XRP, USDT +5 more
A prepaid Mastercard that converts crypto to dollars for spending wherever Mastercard works, from a payments pioneer active since 2011, now on a waitlist during a bank partner change.
Virtual + physical · Mastercard · Apple Pay & Google Pay
Spend BTC, ETH, LTC, XRP, DOGE +1 more
A Visa prepaid card from a Lithuanian provider supporting BTC, ETH and other cryptos, with free issuance and shipping, a €25,000 daily POS limit and up to 99 virtual cards.
Virtual + physical · Visa
Spend BTC, ETH, XRP, LTC, XLM
A no-KYC virtual card meant for daily use, such as travel bookings, online purchases and contactless payments through mobile wallets.
Virtual card · Apple Pay & Google Pay
Spend USDT, USDC, BTC, ETH, LTC +27 more
Choise.com Card, formerly Crypterium, lets you spend crypto in 170+ countries, with virtual cards ready in 20 minutes and a €2.99 monthly fee waived at €299+ load.
Virtual + physical · Visa · Apple Pay & Google Pay
Spend BTC, ETH, LTC, XRP, USDC +1 more
Not directly. A card converts XRP into the local currency when you pay, or when you top up. The merchant receives normal fiat through Visa or Mastercard.
22 active cards. Updated October 13, 2026.
