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Probably the best crypto cards.

Get your card. Load your crypto. Hit the real world. The Zypto Premium VISA Card comes physical and virtual, loads with 100+ cryptocurrencies, and lets you use your crypto for real-world spending wherever Visa is accepted, with Apple Pay and Google Pay.

The Zypto Premium Visa cards, physical and virtual
Monthly spendUp to $1M
Monthly fee$0
Cryptos to load100+
KYC approvalUsually in minutes
The Premium range

Two cards. One Premium tier.

The Zypto Premium VISA Card, physical or virtual. A full first-class travel and lifestyle benefits suite, $0 monthly fees, loaded with crypto and spent as local currency.

Zypto Physical Premium Visa card
Physical · High limits

Physical Premium VISA Card

The ‘Million Dollar’ crypto card. $0 monthly fees and a full first-class benefits suite. Own the card that leaves limits behind.

  • Load 100+ cryptocurrencies, pay in local currency
  • $1M per month spend, $175K per swipe & online
  • High ATM limits, up to $22,500 per month
  • $0 monthly fee, full first-class benefits suite
  • International 3D Secure Visa, ships after KYC
Zypto Virtual Premium Visa card
Virtual · Apple & Google Pay

Virtual Premium VISA Card

The high-limit reloadable. Issued in minutes, mobile-ready, with the full Premium benefits, for online, travel and tap-to-pay.

  • Use with Apple Pay and Google Pay
  • Fund directly from your wallet, DeFi-native
  • High-limit reloadable 3D Secure Visa
  • Fast KYC, usually approved in minutes
  • Full first-class travel & lifestyle benefits
Real spending power

Built for the way you really spend.

$175KPer swipe & online transaction
$1MMonthly spending limit
$0Monthly fees

Figures shown for the Physical Premium VISA Card.

How funding works

Load in advance. Spend as local currency.

Your crypto converts to local currency when you load the card, on your timing, upon load, not at the checkout. Top up in Zypto App, then use your card wherever Visa is accepted.

  • Conversion happens upon load, on your schedule
  • Load from 100+ cryptocurrencies in Zypto App
  • Load from any external crypto wallet, or via KuCoin Pay
  • Real-time spend feed and transaction history
  • Freeze and unfreeze the card in a tap
The Zypto Premium Visa card in Cards & Payments inside Zypto App
Premium benefits

First-class travel perks, lifestyle upgrades and everyday protections.

Every Zypto Premium VISA Card, physical or virtual, comes with a full first-class travel and lifestyle benefits suite.

Travel & lifestyle

  • Airport lounge access
  • Luxury Hotel Collection upgrades
  • Executive transport booking
  • Airport dining & shopping discounts
  • Flight tracking & auto rental insurance
  • Baggage delay & loss protection
  • Global mobile data via GigSky

Health & emergency

  • Doctor consultations
  • Nurse on-call services
  • Medical guidance while travelling
  • Lost document assistance
  • Emergency support abroad

Purchase protection

  • Extended warranty coverage
  • Purchase security
  • Price protection on eligible items

Concierge

  • Your personal concierge
  • Travel planning & dining reservations
  • Lifestyle bookings and the details you don't have time for

See all Premium Zypto VISA Card benefits

Cardholders register at the Visa Signature Benefits Portal to view and activate perks.
Terms, conditions and regional variations apply.

The fees

$0 monthly. No surprises.

$0 monthly fees on both Premium cards. Here is every fee, side by side.

Fee PhysicalPremium VISA VirtualPremium VISA
Monthly fee$0$0
Acquisition fee$0
Transaction fee$0.30$0.30
FX fee (non-USD)1.75%1.75%
Crypto off-ramp fee3%3%
ATM withdrawal fee1%
Initial load$10.00 (added to balance)
Card cost (incl. activation & shipping)$50.00

Blockchain gas fees apply to all loads, paid to the blockchain network you choose. Find out more.

Please check the current list of restricted countries and US states to make sure yours isn't listed.

Limits & performance

Built to keep up, and then some.

Here is how the Physical Premium VISA Card performs when it is time to move.

Spending & transactions

Physical Premium
Maximum cards per approved holder1
Monthly spend limit$1,000,000
Per transaction (swipe & online)$175,000
Maximum card loading amountNo preset limit
Maximum card balanceNo preset limit
Card loads per day / week / monthNo preset limit

ATM withdrawals

Physical Premium
Minimum ATM withdrawal$10.00
Maximum ATM withdrawal$250
Maximum per day$750
ATM transactions per day3
Maximum per month$22,500
ATM transactions per month90

The Virtual Premium VISA Card is a high-limit, reloadable card, accepted wherever Visa is accepted, with top-ups available once issued. No preset limit values are subject to eligibility and applicable limits.

Get yours

How to order your Zypto card.

A fast application either way. KYC is usually approved within minutes, not days.

Physical Premium VISA

  1. Open Zypto App.
  2. Open the in-app Marketplace.
  3. Enter your details and upload KYC, a fast application usually approved within minutes.
  4. Your card ships internationally the next business day.

Virtual Premium VISA

  1. Open Zypto App.
  2. Enter your details and upload KYC, usually approved within minutes.
  3. Your card is issued by email within 24 hours, usually within minutes.
  4. Top up your balance once you receive your card.

Before you apply: please check the current list of restricted countries and US states to make sure yours isn't listed.

Crypto card FAQs

Is the Zypto Premium VISA Card a real Visa card?

Yes. It is a real Visa card you load with crypto in advance and spend as local currency wherever Visa is accepted, in-store, online, at ATMs and via Apple Pay and Google Pay.

When does my crypto convert?

Upon load. Your crypto converts to local currency when you load the card in Zypto App, on your timing, not at the checkout. The balance you load is what you spend.

What does it cost?

$0 monthly fees on both Premium cards. A $0.30 transaction fee, 1.75% FX fee on non-USD, a 3% crypto off-ramp fee and a 1% ATM withdrawal fee apply. The Physical card has a $50 card cost including activation and shipping; the Virtual card has a $10 initial load. Blockchain gas fees apply to loads, paid to the blockchain network you choose.

How fast is KYC?

Fast. The application is quick and KYC is usually approved within minutes. The Virtual card is then issued by email, usually within minutes and within 24 hours; the Physical card ships internationally the next business day.

Which cryptocurrencies can I load?

You choose. Load with any cryptocurrency you like, from 100+ options across a wide range of blockchains, and fund it directly from your wallet in Zypto App.

What benefits are included?

Both Premium cards come with a full first-class travel and lifestyle benefits suite: airport lounge access, the Luxury Hotel Collection, concierge, travel and purchase protection and more. Subject to eligibility and applicable limits.

Can I get a card in my country?

Your card works wherever Visa is accepted. Availability and limits vary by region, and some countries and US states are restricted. Please check the current list of restricted countries and US states before you apply.

Real reviews

Loved by cardholders.

Verified reviews from Trustpilot.

Rated Excellent, 4.7 on Trustpilot
Fast multi-chain swaps, really low fees and the virtual and physical crypto cards are what makes Zypto App deserving of a 5 star rating. Zypto's crypto cards are easily the best off-ramp solutions available right now. The virtual cards I use with Apple wallet and thanks to Zypto I'm buying coffees, cabs and hotel tabs with Shib. How great is that?
CS CryptosurferVerified Trustpilot review · May 2025 Trustpilot
Customer service is always top notch. KYC only took a few minutes and my new reloadable Visa was in my inbox 10 mins later. Reloads are pretty much instant and it's great to be able to track the card balance in the app.
LW Lin WerkzVerified Trustpilot review · Jun 2025 Trustpilot
I've been using the Zypto app for over a year now and it's been great to see how it keeps improving. One thing that really stands out these days is how fast and helpful the customer support is. And of course, my absolute favorite is the reloadable Visa card, it's super convenient and works great on my phone.
LT Logan TurnerVerified Trustpilot review · May 2025 Trustpilot
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What Zypto users say

Excellent 4.7 based on 220 reviews Read all reviews on Trustpilot