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Hard Credit Check How To Protect Your Credit Score Must Read Best Instant Approval Credit Cards ‒ From No Credit To Excellent Credit Credit Cards For Bad Credit Secured Credit Cards Tangerine Money Back Credit Card KOHO Prepaid Mastercard Review Credit Card Quiz creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure . Our disclosure Crypto Credit Cards Canada – Your Options, And How They Work Written by creditcardGenius Team   updated on Oct 2, 2025 Fact Checked Fact Checked Accuracy is important to us so this article has gone through a thorough 3-stage review process and fact-checked by our team. Crypto credit cards essentially work like prepaid cards , except that they’re loaded with your cryptocurrency. Still, there are key differences, which we’ll dive into before discussing whether or not crypto cards are a good idea. There are only a few cards available to Canadians, so let’s get into it. Key Takeaways Crypto credit cards offer rewards on your crypto investments. Purchasing a Canadian Dollar prepaid card with crypto will cost you in fees and taxes. Crypto credit cards are available as physical or digital cards. In this article Show table of contents Crypto credit cards in Canada What are Crypto credit cards? How to choose a crypto credit card Pros and cons FAQ Never miss an amazing deal again + get our bonus 250+ page eBook for FREE . Join 50,000 other Canadians who receive our weekly newsletter – learn more . Crypto credit cards in Canada As you can see, there aren’t too many crypto credit card options available right now, but that could always change. Crypto Credit Card Fees Rewards Special features Learn More Crypto.com Prepaid Visa None Up to 8% back in CRO on everyday spending * 6 tiers of card * Higher tiers give members Netflix and Spotify subscription rebates * Higher tiers give airport lounge access Learn More Shakepay None * Earn 1% cashback in Bitcoin * Earn an additional 2% on the first $3,000 for 90 days * Canadian company Learn More Coincard Prepaid Visa * Up to $7.50 activation fee None * Purchase cards with cryptocurrency, then use them with a balance in dollars Learn More 1. Crypto.com Prepaid Visa This is the card you've probably seen advertised most – the Crypto.com Prepaid Visa . These cards are available in several countries worldwide, including Canada. There are six levels to this card (although you have two colour choices for a couple of the tiers). Which level you get all depends on the value of the crypto you have loaded – they use CRO. Here are the levels, and what you'll earn for rewards on each level. Card Midnight Ruby Jade/Indigo Icy/Rose Obsidian Prime CRO-staking (12 month requirement) None $500 $5,000 $50,000 $500,000 US$1,000,000 Spending rewards (for first 12 months) 0% 2% 3% 4% 5% 8% Monthly Rewards Cap N/A $25 $75 No limit No limit No limit Welcome bonus ( terms ) $100 USD $200 USD $300 USD $1,000 USD $5,000 USD N/A Airport lounge access None None Yes Yes + 1 guest Yes + 1 guest Yes + 1 guest Subscription rebates for Netflix and Spotify None 6 months of Spotify 6 months of Spotify and Netflix Permanent Permanent Permanent 2. Shakepay Shakepay is a Canadian company that offers a prepaid crypto card with no annual fee. Shakepay uses Bitcoin as its currency of choice. On all your purchases, you'll earn 1% back in Bitcoin. Shakepay also offers a welcome bonus that nets you an additional 2% on the first $3,000 for 90 days. Unlike crypto.com’s prepaid Visa, Shakepay’s card doesn't offer much in terms of other benefits or rewards, but it could be a good option for someone starting out with Bitcoin. 3. Coincard Prepaid Visa The Coincard Prepaid Visa is a little different than the others. Coincard is a company that allows people to use their cryptocurrency to purchase gift cards, including a Visa Prepaid card that’s loaded with Canadian currency, not crypto. No need to worry about fluctuating exchange rates. You can purchase $25, $50, $100, $200, and $250 Visa Prepaid cards, but you’ll be charged an activation fee of $3.95 to $7.50, as well as the 5% GST you’re charged. That said, you do have lots of options when it comes to using crypto to buy the card. Coincard currently accepts: Bitcoin (on-chain, lightning, and lightning LNURL) Monero Litecoin Dogecoin Zcash (experimental) With the high fees involved, we would suggest not going this route. If you do want to use your crypto in this way, stick with the regular gift cards. There's still a 5% convenience fee, but there are no activation fees involved. What are crypto credit cards? First off, we should clarify that even though they’re called credit cards, they do not next extend a line of credit that you borrow from. Instead, a crypto card is essentially a debit or prepaid card , but instead of loading the card with cash, you load it with cryptocurrency. As you spend, your purchases are paid to the retailer in the local currency, and your account is deducted based on the current price of the type of crypto loaded. These cards may also come with rewards and benefits. We should also point out that you may be able to purchase a standard prepaid card using crypto, but the card is loaded with Canadian dollars. How to choose a crypto credit card Since your list of crypto credit cards is pretty limited, it’s fairly easy to choose a card. Ask yourself: Do I want a physical or digital crypto card? Crypto.com offers a range of stylish physical cards (and even lets you choose the colour for 2 of the tiers), while Shakepay is solely a virtual card. Am I okay with a card’s transaction limits? Each crypto card option has different daily transaction limits, so read each card’s terms and conditions carefully, especially if you’re selecting a tiered card. How do I load currency onto the card? Find out if you have to already own crypto in order to get the card or learn whether you can buy it on the website’s platform. Is the card compatible with the crypto I own or trade? Again, take a minute to read the terms and conditions so you’re not unpleasantly surprised to learn your crypto isn’t supported. What are the fees associated with the card? Check for things like conversion fees, ATM withdrawal fees, inactivity fees, foreign transaction fees, and more. Pros and cons of a crypto credit card Some of these products can make for an interesting alternative to standard prepaid credit cards, but before you apply for one, consider all the benefits and drawbacks. Pros No foreign exchange fees: Most unsecured credit cards charge a 2.5% foreign transaction fee, which can add up fast if you’re travelling abroad. Fortunately, many crypto cards don’t charge fx fees, which saves you money. Opportunity to earn rewards: Depending on the card (and tier you select), you could earn cash back rewards, which are simply a percentage of cash back that you receive as crypto. Convenience and flexibility: Crypto can be a little inaccessible unless you have a crypto card to make purchases. This can make it easier for someone new to cryptocurrency to navigate this admittedly confusing investment option. Won’t go into debt: Unlike unsecured credit cards, crypto cards don’t run the risk of landing you in debt, since you’re not actually borrowing and repaying funds. Cons Potential loss of value: One of the biggest risks of cryptocurrency is that it’s not regulated and its value can fluctuate wildly. Transactions are taxable: The Canada Revenue Agency will tax you if you’re exchanging your cryptocurrency for a prepaid card that uses Canadian dollars, so be prepared to pay a little extra. Security risks: Any online platforms are at risk of being hacked and crypto sites are no exception. Consider the security of any trading platform before you purchase crypto. Limited credit card options: You don’t have the same number of choices when it comes to picking a crypto credit card as you would when picking any other type of credit card. Our tip – be cautious with cryptocurrencies. You never know what might happen with them. FAQ Is there a credit card that uses crypto? There are no unsecured credit cards that allow you to borrow crypto as a line of credit. Instead, crypto credit cards are essentially prepaid credit cards that you load with crypto (or CAD credit cards you buy with crypto). Can I buy crypto with a credit card in Canada? While you can buy crypto from a number of cryptocurrency exchanges, you’ll be charged quite a few fees if you use a credit card to make the purchase. It might make more sense to use a debit card. Is Crypto.com Visa card available in Canada? Yes, you can select from six different Crypto.com Visa prepaid cards, each with different rewards, staking requirements, and bonuses. Be sure to read each card’s terms and conditions before you pick one. Which is the best crypto card? The Shakepay Visa is a great no annual fee option that offers 1% back in Bitcoin on all purchases. However, if you want other perks and the opportunity to earn more rewards, check out Crypto.com prepaid cards. Can I use my crypto card at an ATM? You can’t use a Shakepay Visa card at an ATM because it’s a digital card, but you can use any of the Crypto.com prepaid cards to withdraw funds at an ATM. Check your card’s terms for potential fees. creditcardGenius is the only tool that compares 126+ features of 227 Canadian credit cards using math-based ratings and rankings that respond to your needs, instantly. Take our quiz and see which of Canada's 227 cards is for you. Did you find this article helpful? Yes No Editorial Disclaimer : The content here reflects the author's opinion alone. No bank, credit card issuer, rewards program, or other entity has reviewed, approved, or endorsed this content. For complete and updated product information please visit the product issuer's website. Our credit card scores and rankings are based on our Rating Methodology that takes into account 126+ features for each of 227 Canadian credit cards. 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