10 Best Monese Crypto Card Alternatives for Easy Spending

The Best Monese Crypto Card Alternatives that traders and cryptocurrency users can look into in 2026 will be covered in this post.

With these options, you may effortlessly spend cryptocurrencies like Ethereum, Bitcoin, and stablecoins while receiving rewards or cashback.

Cards with cheap costs for regular use, easy wallet management, and worldwide acceptance include Crypto.com Visa, Coinbase Card, Wirex, Nexo, and others.

What is Monese Crypto Card Alternatives?

Other cryptocurrency-linked payment cards, such as Monese Crypto Card Alternatives, let you use digital assets like Bitcoin, Ethereum, and stablecoins much like a standard debit or credit card. At the point of sale, these cards frequently convert cryptocurrency to cash.

These options, which give consumers more flexibility, rewards, and features than a typical Monese crypto card choice, include Crypto.com Visa, Coinbase Card, Wirex Card, BitPay Card, and Plutus Card.

They also offer global acceptance, cashback or rewards in cryptocurrency, and mobile app integration. They are well-liked for daily spending and foreign use because many of them enable several cryptocurrencies and robust spend-tracking facilities.

Why Use Monese Crypto Card Alternatives

Spend Your Crypto with No Restrictions – With crypto cards, your digital currencies get converted to fiat currency at the point of sale. This allows you to make purchases like any other card holder at places where Visa or Mastercard are accepted.

Get Cash Back or Crypto Rewards – Alternatives provide a reward system for your purchases or a cash-back system where you can get some money back when you spend your crypto.

Access Your Crypto Without Liquidating Your Assets – Some cards allow you to spend or borrow against your crypto without having to sell any of your assets, thus keeping your position for the long term, while still having some cash to spend.

Widespread Accessibility – These cards can be used wherever crypto payment is accepted.

Streamlined Use of Crypto Wallets – These cards often come with an app that allows you to manage your assets, track your spending, crypto conversion, and rewards from the card all in one place. 

Key Point & Best Monese Crypto Card Alternatives List

Card Name	Key Point / Core Highlight
Uphold Card	Allows instant crypto-to-fiat spending directly from an Uphold account with support for multiple cryptocurrencies and global merchant acceptance.
CryptoPay Card	Offers seamless crypto payments with real-time conversion and supports both personal and business crypto spending needs.
Plutus Card	Rewards users with PLU tokens through cashback and subscription-based perks while enabling everyday crypto payments.
Shakepay Card	Provides Bitcoin cashback on purchases and enables easy spending of CAD-backed crypto balances.
Crypto.com Visa Card	Popular for tier-based rewards, crypto cashback, staking benefits, and wide global Visa acceptance.
Nexo Card	Allows users to spend without selling crypto by using assets as collateral, offering both debit and credit modes.
Coinbase Card	Enables direct spending of crypto from a Coinbase wallet with automatic conversion at the point of sale.
Wirex Card	Supports multiple fiat and crypto currencies with competitive exchange rates and in-app crypto rewards.
BitPay Card	Designed for easy crypto spending by converting supported cryptocurrencies into fiat instantly at checkout.
Monolith Card	Non-custodial Ethereum-based debit card that gives users full control over their funds via a self-custody wallet.

1. Uphold Card

The Uphold Card enables cardholders to spend crypto and assets in the Uphold wallet via any Mastercard which means crypto gets converted to fiat in real-time in the Uphold wallet. It provides support for more than 30 cryptos and also for fiat, precious metals, and metals which means users have flexible spend options.

This means there are no separate conversion steps and spend options are available for day-to-day spending and travelling. For users who prefer maintaining a digital assets and traditional card payment balance, Uphold is a good choice among the Best Monese Crypto Card Alternatives.

Uphold Card Features, Pros & Cons

Features

1. The spend crypto, fiats, and metals from one account.
2. Conversion happens in real-time at the point of sale.
3. Global Mastercard acceptance.
4. (Region-dependent) Cashback rewards.
5. Apple & Google Pay supported

Pros

1. The card has multi-asset spending flexibility.
2. Mobile app management is easy.
3. No foreign exchange fees in a lot of regions.
4. Users get 2–4% cashback in XRP/crypto.
5. The card works at any Mastercard-accepting merchant

Cons

1. There is a cashback cap (monthly).
2. The card has region-based availability.
3. An Uphold account is required.
4. Spreads on FX conversion are applicable.
5. The card has varying location rewards

2. CryptoPay Card

Similar to conventional debit cards but funded with digital assets, the CryptoPay Card makes it easy to spend cryptocurrency by instantly changing coins into cash at the point of sale. When the card is linked to their wallet, users can take advantage of simple online shopping, ATM withdrawals, and top-ups.

CryptoPay, which is ranked as one of the Best Monese Crypto Card Alternatives, is especially attractive to regular shoppers who wish to easily integrate their cryptocurrency holdings with everyday costs. It is a good choice for both novice and seasoned cryptocurrency users since it frequently has clear costs and supports popular coins like Bitcoin and Ethereum.

CryptoPay Card Features, Pros & Cons

Features

1. Users can spend crypto just like fiat anywhere Visa/Mastercard are accepted.
2. There is an instant crypto-to-fiat conversion feature.
3. Users can spend supported stablecoins & tokens.
4. There is a mobile wallet.
5. App PIN/2FA security.

Pros 

1. There is no need to spend convert before transaction.
2. The card has fast load times.
3. The card has a mobile wallet.
4. The card supports a variety of cryptocurrencies.

Cons

1. Rewards are usually minimal to none.
2. Users can expect fees on some transactions.
3. Spreads when converting crypto
4. Less recognition compared to top cards
5. Support varies by region

3. Plutus Card

The Plutus Card mixes crypto spending with rewards by giving cashback in the native PLU token and rewards based on subscription tiers. With a Plutus Wallet linked to the card, users can crypto to fiat at checkout and earn PLU on selected purchases.

As one of the Best Monese Crypto Card Alternatives, it serves users who like token-backed rewards and flexible customizable structures. The card also supports decentralized finance and lets users access their wallet’s DeFi functions, although perks and rates are plan and region dependent.

Plutus Card Features, Pros & Cons

Features

1. Swipe crypto debit card
2. Cashback (usually in PLU tokens)
3. Crypto-to-fiat conversion happens automatically
4. App controls
5. Support for Visa/Mastercard

Pros

1. Cash back rewards on everyday transactions
2. Use crypto offline/online easily
3. App controls spending & settings
4. Wallet integration
5. Various crypto coins supported

Cons

1. Cash back relies on holding/staking of PLU
2. There may be restrictions on rewards
3. Transaction type determines fees
4. Some regions have no support
5. Users report changes in program terms

4. Shakepay Card

With Bitcoin cashback on regular transactions and the option to spend from your Shakepay cryptocurrency balance in Canadian dollars, the Shakepay Card is intended for Canadian consumers.

It is one of the Best Monese Crypto Card Alternatives for consumers who value cryptocurrency rewards over conventional banking advantages due to its straightforward mobile interface and significant emphasis on Bitcoin accumulation.

Shakepay offers cheap prices for CAD to cryptocurrency conversions and strong integration with its app for easy maintenance. Canadians who want to earn and spend Bitcoin while taking advantage of simple cost structures and local support will find this card very appealing.

Shakepay Card Features, Pros & Cons

Features

1. Spend directly Bitcoin & Ethereum
2. Checkout (at) conversion happens instantly
3. Rewards in Bitcoin
4. No monthly fees
5. Support for Visa

Pros

1. Easy to set up the card
2. Crypto rewards included in the purchases
3. No fees to maintain the card
4. Conversion of crypto to fiat happens quickly
5. Accepted wherever Visa cards are

Cons

1. Limited coins for rewards
2. Average rates for rewards
3. Possible conversion/FX fees
4. Focus on Canada for cards availability
5. Fewer premium card perks

5. Crypto.com Visa Card

The Crypto.com Visa Card is an internationally accepted prepaid card with tiered rewards of up to 5% back in CRO tokens, plus streaming rebates and lounge access for higher tiers. There aren’t any annual fees, but users must stake CRO to unlock the best rewards, which is a major inconvenience for people who aren’t big crypto investors.

As a partner of Best Monese Crypto Card Alternatives, it caters to those who spend a lot and travel often with its competitive rewards and comprehensive app. The card is accepted in a variety of cryptocurrencies and has strong global availability, which makes it a great choice for those who want more freedom than just basic crypto spending.

Crypto.com Visa Card Features, Pros & Cons

Features

1. Different tier levels offer different benefits.
2. Up to about 5-8% cashback (CRO)
3. Streaming service perks on upper-tier cards
4. Accepted worldwide
5. Integrated rewards and app management

Pros

1. Potential to earn higher cashback
2. Lifestyle benefits (Spotify, Netflix, etc.)
3. Global card use
4. Multiple tier levels
5. Track and control rewards through the app

Cons

1. Highest tiers require CRO staking.
2. Caps on rewards and funds
3. Fees can decrease the value
4. Unstaking periods limit access
5. Benefits may change over time

6. Nexo Card

The Nexo Card is special because it lets you use cryptocurrency as collateral for a line of credit and earn up to 2% cashback in BTC or NEXO tokens without having to sell any assets. For hodlers that desire liquidity without incurring taxable events, this makes it one of the Best Monese Crypto Card Alternatives.

With no yearly or monthly fees, the card offers debit or credit options and supports numerous major cryptocurrencies. Users who want to combine borrowing, earning interest, and spending cryptocurrency on a single platform would find Nexo’s integrated ecosystem appealing as it offers interest-earning accounts.

Nexo Card Features, Pros & Cons

Features

1. Spend or borrow with your crypto
2. Up to 2% cashback in either BTC or Nexo
3. No annual or foreign exchange fees
4. Accepted worldwide (MasterCard)
5. Credit/Debit dual mode

Pros

1. Hold crypto without needing to sell
2. Spend crypto and earn (cashback)
3. No annual fee on the card
4. Worldwide acceptance
5. Added liquidity through borrow features

Cons

1. Not as much cashback as competitors’ cards
2. Limited availability in some regions
3. Collateral loans can accrue interest
4. Complex app features

7. Coinbase Card

The Coinbase Card connects to your Coinbase account, enabling you to spend crypto and earn up to 4% on select cryptocurrencies on your everyday transactions. There’s no annual fee, and a quick and easy way to spend digital assets, and it converts crypto to fiat at the point of sale.

This card is among the Best Monese Crypto Card Alternatives and even offers Coinbase’s firefighter-graded security and top-notch user base, thus providing the fastest way for users to spend with the platform. The card offers superb app controls and real-time tracking to make it easy for users to spend and invest.

Coinbase Card Features, Pros & Cons

Features

1. Spend your crypto on your Coinbase account
2. Convert crypto to fiat instantly
3. Earn ~4% crypto back on your purchases
4. Usable with Visa
5. Use app to manage the card

Pros

1. Card is straightforward for Coinbase users
2. You get rewards on your purchases
3. there is no annual fee
4. Useable everywhere Visa is, which is a lot of places.
5. You can easily manage your account

Cons

1. Conversion spreads lower the rewards
2. Rewards do not have a guaranteed value.
3. You can only use the Coinbase suite of products.
4. There are undisclosed fees in the FX
5. There are not a lot of premium perks

8. Wirex Card

The Wirex Card offers, among other things, up to 8% Cryptoback rewards in WXT tokens on purchases and support for more than 150 currencies, making it a crypto and fiat debit card with multi-currency capabilities.

There is no annual fee, no issuance fees, and they have some of the best conversion rates, they are one of the best Monese Crypto Card Alternatives for people who make international transactions.

Wirex collaborates with Apple and Google, so you can spend contactlessly and manage your wallets. It is especially advantageous for people like digital nomads and travelers who can spend money to earn value, due to its broad supported assets and varying reward systems.

Wirex Card Features, Pros & Cons

Features

1. You can spend both crypto and fiat using a Visa
2. Earn Cryptoback rewards (up to 8%)
3. Support for many crypto and fiat
4. Use a virtual and physical card.
5. You can use a mobile app

Pros

1. You can earn a lot of rewards.
2. Support for a lot of crypto and fiat.
3. There is no annual fee for the regular cards.
4. The app allows you to track spending and balances.
5. Support for Apple and Google Pay

Cons

1. Rewards are only in the native coin (WXT).
2. Availability of features depends on the country.
3. You have to do KYC in some accounts to access them.
4. Some users have had accounts get frozen.
5. There are limits to what you can withdraw from ATMs

9. BitPay Card

When used at retailers or ATMs, the BitPay Card, a prepaid Mastercard, converts compatible cryptocurrencies including BTC, ETH, and stablecoins into currency. For cryptocurrency holders seeking everyday spending capacity, it’s a sensible choice with no monthly cost and clear reload procedures.

Because of its ease of use and established reputation in cryptocurrency payments since 2011, BitPay, one of the Best Monese Crypto Card Alternatives, appeals to both casual users and Bitcoin purists. Its utility is further improved by security measures, interoperability with Apple/Google Pay, and widespread Mastercard acceptance.

BitPay Card Features, Pros & Cons

Features

2. Engraves BTC, ETH, USDC, etc.
3. Prepaid crypto cards
4. Fiats USD via instant crypto conversion.
5. Accepted by Mastercards.
6. Mobile app management

Pros

1. No monthly fees.
2. Simple from wallet top- ups.
3. Works at any Mastercard vendor.
4. Easy platform.
5. Referral benefits

Cons

1. Minimal incentive structures.
2. Transaction fees/Conversion/ATM charges.
3. Compared to expensive cards, fewer advantages.
4. No layered benefits.
5. Users who travel the globe, less optimal

10. Monolith Card

The Monolith Card is one of the Ethereum based debit cards. It gives you the ability to spend ETH and ERC-20 tokens by converting at the time of purchasing. You have non-custodial freedom with your money because it comes with a self custodial wallet.

Integrating with web3 wallets and focusing on DeFi users, a customer can order Monolith from the list of Visa cards where users have complete custody of the private keys and can use the card for daily purchases.

Monolith Suports Visa worldwide and has no monthly fees, and transparent pricing. The card is a blended product that combines the consumer autonomy of DeFi with the real world payment capability.

Monolith Card Features, Pros & Cons

Features

1. Linked card for Ethereum/DeFi wallet.
2. Control of non-custodial wallet.
3. Immediate crypto to fiat conversion.
4. Global acceptance of Visa.
5. Supports ETH & ERC-20 tokens

Pros

1. Private key control.
2. Clear costs.
3. Users of DeFi, Visa everywhere partnered Option.
4. No monthly card fees

Cons

1. Entirely dependent on the Ethereum ecosystem.
2. Possible conversion fees.
3. Not operable in every area.
4. Minimal reward offerings.
5. No conventional banking system 

Conclusion

Depending on how you intend to use your cryptocurrency—daily spending, earning incentives, or holding it for a long time—you can choose the Best Monese Crypto Card Alternatives.

For frequent shoppers, cards like the Crypto.com Visa Card, Wirex Card, and Plutus Card stand out for cashback and benefits. In the meanwhile, consumers who would rather store cryptocurrency or maintain self-custody while still having access to liquidity are drawn to Nexo Card and Monolith Card.

Options that emphasize ease of use, security, and seamless crypto-to-fiat conversion include Coinbase Card, BitPay Card, Uphold Card, CryptoPay Card, and Shakepay Card.

All things considered, these alternatives are better options for crypto-friendly payments in 2026 than Monese since they offer more flexibility, wider support for cryptocurrencies, and contemporary functionality.

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