10 Best Sygnum Card Alternatives in 2026 | Top Crypto Cards

I’ll go over the Top Sygnum Card Substitutes in this post for consumers who want to conveniently spend cryptocurrencies without depending on a single bank.

These choices are perfect for regular cryptocurrency payments and long-term digital asset holders in 2026 because they provide competitive fees, extensive cryptocurrency support, worldwide acceptance, and alluring rewards.

What is Sygnum Card Alternatives?

Crypto-linked payment cards and solutions that let customers spend, withdraw, or convert their digital assets without depending on the Sygnum network are known as Sygnum Card alternatives.

Similar or improved services like real-time cryptocurrency-to-fiat conversion, broad Visa or Mastercard acceptance, rewards and cashback choices, reduced costs, and worldwide availability are offered by these substitutes.

Popular substitutes include cards from companies like Crypto.com, Coinbase, Nexo, Wirex, and Uphold, each of which offers unique features catered to various customer needs, from large spenders and frequent travelers to casual cryptocurrency holders looking for simple daily payments.

Benefits Of Sygnum Card Alternatives

Wider Availability – Access to Sygnum Card alternatives in more countries provides improved global reach and customer access.

Multiple Crypto Support – The ability to spend many different types of supported cryptocurrencies with many competing cards.

Rewards & Cashback – The potential for rewards and cashback services offered by competing cards improves overall holder value.

Lower Fees – Alternatives offer lower levels of fees for services offered by traditional banks.

Easy Integration – Spend services are easier to use for integration with popular crypto wallets and cash management services.

Enhanced Perks – Bonus services provided by competing cards, including premium subscription bonuses, travel rewards, and elevated ATM withdrawal limits.

Real-Time Conversion – The ability to instantly convert crypto to USD cash at the point of sale for fast payment transactions.

Flexible Use Cases – Use competing cards for travel, online shopping, and ATM cash withdrawals, in addition to everyday spending.

Improved User Experience – Services provided by competing cards are designed to make transaction and balance management simple.

Greater Financial Control – Competing cards provide the services to spend, hold, or earn with crypto without having to sell crypto assets.

Key Point & Best Sygnum Card Alternatives List

Card Name	Key Point
Nexo Card	Spend crypto without selling using credit line
Coinbase Card	Direct spending from Coinbase wallet
Wirex Card	Multi-currency support with crypto cashback
BitPay Card	Simple prepaid crypto spending solution
Uphold Card	Spend crypto, fiat, and metals in one card
SpectroCoin Card	Easy crypto-to-fiat conversion worldwide
CryptoPay Card	Basic crypto payments with Visa acceptance
Plutus Card	Crypto cashback and loyalty rewards
Shakepay Card	Bitcoin rewards on everyday purchases
Crypto.com Visa Card	High cashback with premium perks

1. Nexo Card

Using your cryptocurrency as collateral to obtain credit lines, the Nexo Card is a cutting-edge crypto debit/credit hybrid that enables you to spend your digital assets without having to sell them.

In contrast to conventional cryptocurrency cards, it enables users to protect their holdings while making regular purchases anywhere in the globe where Mastercard is accepted. Depending on tier and loyalty status, users can earn cashback incentives of up to 2% in NEXO tokens or 0.5% in Bitcoin.

This card is perfect for hodlers who seek liquidity without selling cryptocurrency because it is integrated with the Nexo ecosystem and has no monthly or annual fees in the majority of regions.

Nexo Card Features, Pros & Cons

Features

• Spend unliquidated cryptocurrency
• Linked to Nexo Credit Line
• Supports primary cryptocurrencies
• Global acceptance of Mastercards
• Earn cashback

Pros

• Spend without liquidating crypto
• Earn crypto cashback
• Free in some regions (annual/monthly fees)
• Choices for repayment
• Good security and a strong reputation

Cons

• Must have a Nexo account
• Credit-based system isn’t for everyone
• Loyalty tiers impact reward earnings
• Global coverage is lacking
• Balances unrepaid may incur fees

2. Coinbase Card

You may easily convert cryptocurrency to fiat at the point of sale with the Coinbase Card, a Visa-branded cryptocurrency debit card that is directly linked to your Coinbase account. With real-time automated conversion from your Coinbase wallet, users may spend Bitcoin, Ethereum, USDC, and dozens of other supported assets anywhere Visa is accepted.

There is no annual card fee, but there may be regular conversion or spread costs. You can receive rewards of up to 4% back in cryptocurrency on qualified purchases. It is among the most user-friendly substitutes for Sygnum due to its close interaction with Coinbase.

Coinbase Card Features, Pros & Cons

Features

• Users of Coinbase can spend cryptocurrency
• Supported by the Visa network
• Over 100 trading pairs available
• Conversion in real-time
• Users can get crypto for spend rewards

Pros

• Straightforward for Coinbase customers
• No need to pay an annual fee
• Supports a large number of coins
• Can quickly convert crypto to fiat
• Users can get spend rewards in crypto

Cons

• Users will have to incur conversion fees and spread
• Some regions have restrictions
• Spend rewards may not be as generous as the competition
• Must provide a government-issued ID
• If you do not use Coinbase, this is not a great option

3. Wirex Card

For routine purchases, the Wirex Card provides a flexible cryptocurrency debit option that supports both conventional and a variety of cryptocurrencies. Customers receive benefits through the Wirex Crypto backTM program, which offers up to 8% back in WXT tokens on eligible transactions, as well as automatic crypto-to-fiat conversion at checkout.

The card works on both the Visa and Mastercard networks in many nations, including Europe, the UK, and some parts of Asia, and there are typically no annual or monthly fees. Wirex is a powerful worldwide substitute because of its multi-currency wallet and cheap foreign exchange fees.

Wirex Card Features, Pros & Cons

Features

• The 4. Visa/Mastercard
• Earn Cryptoback™ rewards
• Currency exchange using app

Pros

• Frequent Travelers Enjoy
• Overall Global Usage
• Simple Wallet Interface
• Low Fees for Currency Exchange
• High Rates for Cashback

Cons

• Card Issuance Fees
• The platform token, WXT, contains Rewards
• Support for customers isn’t always there
• Withdrawals that are free come with restrictions
• High spenders isn’t what this is for

4. BitPay Card

With the BitPay Card, a prepaid Mastercard, Americans may load cryptocurrency from their wallets and exchange it for cash to spend anywhere Mastercard is accepted. Although it usually doesn’t offer large reward rates like some competitors, its simplicity and strong merchant acceptance make it appealing to customers in the U.S. market.

It accepts a number of major cryptocurrencies, including BTC, ETH, and stablecoins. There are no monthly fees, but there may be fees for issuance and ATM withdrawals. It’s a simple, trustworthy option for basic cryptocurrency purchases.

BitPay Card Features, Pros & Cons

Features

• Mastercard Prepaid
• BTC, ETH, and stablecoins are supported
• USD conversion on loaded crypto
• Withdrawals via ATM
• Controls for budget

Pros

• A model that is straightforward with simple spending
• No monthly fees
• Accepts a broad range of merchants
• Excellent security
• Wonderful for users in the U.S.

Cons

• Minimal rewards
• USD is the only conversion
• There are fees with, ATM, and card issuance
• It isn’t available all over the world.
• No extra features

5. Uphold Card

The Uphold Card is a versatile Visa debit card that eliminates the need for manual pre-conversion by allowing you to make purchases straight from your Uphold account balances, including cash, cryptocurrency, and even precious metals.

Cardholders can earn up to 4% back in XRP on purchases, and it usually offers 0% foreign transaction fees and reasonable exchange rates for international travel.

It facilitates real-time tracking and access to a variety of digital assets through integration with the Uphold platform. Uphold is a strong alternative to Sygnum because of its combination of wide asset support and rewards.

Uphold Card Features, Pros & Cons

Features

• Spend from crypto and fiat
• Works with Visa
• Wallet with multiple assets
• Nice rates for exchange
• Rewards on some purchases

Pros

• Spend money on assets, not only crypto
• No fees for foreign transactions
• Managing assets is simple
• Excellent support worldwide
• No complicated fees

Cons

• Limited rewards compared to others
• Must have Uphold account
• Some countries do not support it.
• Complaining customers.

6. SpectroCoin Card

With the SpectroCoin Card, a Visa-powered cryptocurrency debit card linked to the SpectroCoin wallet and exchange, you may convert your cryptocurrency holdings into euros and use them anywhere Visa is accepted worldwide.

With large transaction limits and the ability to withdraw cash from ATMs, it provides both physical and virtual card alternatives. The card is loaded by converting cryptocurrency to money inside the SpectroCoin ecosystem.

Although there may be monthly service fees and perhaps ATM or foreign transaction fees, the card’s extensive use in stores and online makes it a sensible option for international shopping.

SpectroCoin Card Features, Pros & Cons

Features

• SpectroCoin wallet Visa debit.
• Conversion from crypto to fiat automatically.
• Withdrawals from ATMs.
• Card is available both virtually & physically.
• Supports multiple currencies.

Pros

• Process of conversion is simple.
• Access to merchants all over the world.
• Option for multiple cards.
• Good for traveling.
• Basic reward structure is fair.

Cons

• Monthly fees & ATM charges.
• Foreign exchange fees when spending.
• Rewards are mediocre.
• Card service fees.
• Spending offers are limited.

7. CryptoPay Card

Users can load bitcoin and spend it like fiat through the Visa network with the CryptoPay Card (sometimes branded simply as CryptoPay), which offers a simple crypto-linked debit experience. CryptoPay concentrates on making cryptocurrency available for everyday purchases and ATM withdrawals, even though certain costs, such as monthly maintenance or load fees, may differ by location.

It interacts with the CryptoPay wallet for balance management and supports important assets like Ethereum and Bitcoin. CryptoPay’s straightforward conversion features and widespread acceptance make it a good choice for consumers looking for a straightforward substitute for Sygnum’s product.

CryptoPay Card Features, Pros & Cons

Features

• Visa debit.
• Crypto loading and fiat spending.
• Conversions in real-time.
• App for tracking.
• Access to ATMs.

Pros

• User friendly.
• Good acceptance worldwide.
• Use with all major cryptocurrencies.
• Fast account setup.
• Great for infrequent users.

Cons

• Monthly fees could apply.
• Not many rewards.
• No premium benefits.
• Limited to crypto.
• Regional availability.

8. Plutus Card

The Plutus Card is a Visa debit card that combines cryptocurrency transactions with incentives paid in its native PLU token. Depending on the plan and subscription level, it offers at least 3% back on qualified purchases.

Through its app ecosystem, Plutus offers benefits beyond cashback, such as partner discounts, gift card redemptions, and other lifestyle advantages.

The card effortlessly links with its mobile wallet and uses blockchain-based rewards to boost regular spending. Plutus is an innovative and lucrative substitute for conventional cryptocurrency cards because of its emphasis on tokenized loyalty.

Plutus Card Features, Pros & Cons

Features

• Visa debit cryptocurrency card.
• Rewards in PLU tokens.
• Marketplace inside of the app.
• Discounts with partners.
• Benefits in tiers.

Pros

• Great cryptocurrencies rewards.
• Additional perks with partners.
• Good for frequent use.
• Combined loyalty programs.
• Tiers for account level flexibility.

Cons

• Monthly payments
• PLU only for rewards
• Not available everywhere
• Complicated tier system
• Exchange fees at times

9. Shakepay Card

The Shakepay Card is a prepaid Visa card that is mainly intended for Canadian consumers. It enables people to spend Ethereum and Bitcoin while earning rewards, frequently up to 1.5–2% back in Bitcoin on purchases. It connects to the Shakepay app, which offers a simple method for domestic cryptocurrency purchases, sales, and transfers.

Shakepay is a good option for North American consumers searching for a Sygnum Card substitute since it combines standard payment convenience with the possibility for cryptocurrency growth, often with no funding or withdrawal fees and easy account registration.

Shakepay Card Features, Pros & Cons

Features

• Prepaid Visa Card
• Spend and earn rewards in bitcoin
• Shakepay app connected
• Buy and sell crypto
• Funding fees are not charged

Pros

• Simple and easy to use
• New users get Bitcoin rewards
• User interface is good
• Mainly for Canadians use
• No fees for managing cards

Cons

• Only allows spend on BTC and ETH
• Focus is Canada
• Can’t use everywhere
• Not many features available
• Rewards are not great

10. Crypto.com Visa Card

With benefits including subscription rebates for services like Spotify and Netflix at higher levels and up to 5% cashback in CRO tokens, the Crypto.com Visa Card is still one of the most well-known cryptocurrency debit cards globally.

With tiered incentives based on CRO stakes and no annual fees, it is accessible in numerous places. Depending on the tier, this card gives free or reduced ATM withdrawals and is accepted anywhere Visa is accepted. The Crypto.com Visa Card is a great option for frequent spenders and travelers due to its strong reward structure and worldwide use.

Crypto.com Visa Card Features, Pros & Cons

Features

• Debit Visa card
• Cash back in crypto (up to 5%)
• Tiered CRO stake via benefits
• Rebates on subscriptions
• Use it globally

Pros

• Rewards are on the higher side
• Premium tier benefits
• No fees for travel
• Card is free
• High liquidity

Cons

• To get the benefits you need to stake CRO
• Rewards not straight forward
• Rewards can decrease in value
• ATM fees
• Not for frequent users

Comparison Table

Card Name	Card Type	Supported Crypto	Network	Fees	Availability	Key Benefit
Nexo Card	Credit / Debit Hybrid	BTC, ETH, USDT, USDC & more	Visa	No monthly fee	Europe, UK	Spend without selling crypto
Coinbase Card	Visa Debit	100+ cryptocurrencies	Visa	No issuance fee	Global (selected regions)	Direct Coinbase balance spending
Wirex Card	Crypto Debit Card	60+ coins & tokens	Visa / Mastercard	Low FX fees	Global	Multi-currency support
BitPay Card	Prepaid Debit Card	BTC, BCH, ETH, stablecoins	Mastercard	No monthly fee	US, EEA	Trusted merchant acceptance
Uphold Card	Debit Card	Crypto, fiat, metals	Mastercard	No annual fee	US, UK, EU	Multi-asset spending
SpectroCoin Card	Crypto Debit Card	BTC, ETH & altcoins	Visa	Issuance & ATM fees	Global	Easy crypto-to-fiat conversion
CryptoPay Card	Crypto Debit Card	BTC, ETH, LTC	Visa	Monthly maintenance fee	Europe	Simple crypto payments
Plutus Card	Visa Debit Card	BTC, ETH, PLU	Visa	Subscription based	Europe, UK	Cashback rewards in crypto
Shakepay Card	Prepaid Visa	BTC & ETH	Visa	No card fees	Canada	Bitcoin cashback rewards
Crypto.com Visa Card	Visa Debit	250+ cryptocurrencies	Visa	No annual fee	Global	High crypto cashback & perks

Conclusion

Your region, chosen cryptocurrency features, and spending patterns will determine which Sygnum Card options are appropriate for you. Alternatives such as Crypto.com While Wirex, Plutus, and Uphold concentrate on cashback and multi-asset flexibility, Visa, Nexo, and Coinbase cards offer robust rewards, worldwide acceptance, and smooth crypto-to-fiat conversion.

All things considered, these substitutes provide better accessibility, affordable prices, and contemporary features, making them dependable options for safe and practical cryptocurrency purchases in 2026.

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