Best Crypto Debit Cards In Canada: Which Crypto Cards Can You Really Get In 2026?

How Do Crypto Visa Cards Work For Canadians?

With cryptocurrency becoming more and more mainstream, it’s no wonder that crypto Visa cards are one of the hottest products. People want to use cryptocurrency as their main method of payment, but many don’t want to give up the benefits of fiat credit cards such as cashback, rewards points, airport lounge access, and other perks. Crypto cards offer some of these perks: load up your crypto card, spend your money in stores or online, and receive rewards in return. You can check a quick recap in our video, but we highly recommend going through the article since it covers all the important questions about crypto cards in Canada.

Crypto Visa cards aren’t exactly the same as your existing Visa because you won’t receive a line of credit. Instead, they are actually prepaid cards. However, you’ll get similar benefits and rewards to traditional credit cards. You can use them wherever Visa is accepted, but your spending won’t affect your credit score and you don’t need certain income requirements in order to get one.

In a nutshell, when you use your crypto card in Canada to make a purchase, you’ll be spending your Canadian dollars. Generally, you can load your card with dollars, or other fiat, via a bank transfer, Interac e-Transfer, or by converting cryptocurrency. Crypto.com’s help centre says its Canadian card accepts crypto and Canadian dollars, and that only CAD is available on Canadian cards.

Some crypto cards have cashback and rebates as rewards. Usually, you’ll receive these in the form of crypto, deposited into your crypto wallet or exchange account. You’ll be able to load and manage your card within the card company’s app.

Some crypto card companies require you to stake crypto in order to receive rewards. Usually, the more crypto you lock up, the higher your rewards.

Which Crypto Visa Cards Can Canadians Get?

If you’re looking to dip your hand into the world of Canadian crypto cards, then there are a couple of options to choose from.

Shakepay Visa Card

Shakepay’s crypto Visa card for Canadians was announced in October 2021. According to Shakepay’s card page, you can spend your dollars anywhere that accepts Visa and receive up to 1.5% cashback in bitcoin on eligible purchases. In order to apply for it, you need to sign up for a Shakepay account and verify it, live in a Canadian province or territory, and be able to fund a Canadian dollar balance.

I have been personally using Shakepay’s Visa card and could not be happier. The card was never rejected, so I can personally recommend it. Shakepay’s referral program currently reads that you both get $20 when you invest $100 in crypto within 30 days.

Crypto.com Visa Card

Crypto.com card is probably the most popular option for Canadians and offers five tiers in Canada. Cashback on its rewards page runs from 1.5% on the Plus (Ruby) tier up to 4.5% on the Obsidian tier, with monthly caps at the top rate.

In order to get this card, you need to sign up for an account first, and then apply for a card via the mobile app.

Netcoins Visa Card

Netcoins introduced a crypto Visa card when I wrote this section, with a welcome bonus of 3% back in bitcoin for the first 3 months and 1% after that. I took advantage of the 3% cashback. I could not verify those rates on an official Netcoins page for this update, so check the current terms before you apply. Netcoins is CSA-registered as a restricted dealer, and its latest amended decision is dated September 16, 2026.

I used the Netcoins Visa card for over six months and I never had issues with payments, whether online or in-store, until one month when they froze my card for no reason. If you are choosing between the Shakepay card and the Netcoins one, my go-to would be the Shakepay one.

Can You Buy Crypto With A Debit Card In Canada?

Yes, on some platforms, but it is rarely the cheapest route. Coinbase accepts a 3D Secure card for buys, and Crypto.com shows any card deposit fee at checkout before you pay. The better habit is to fund with Interac e-Transfer, which is free on Coinbase, Kraken, Wealthsimple Crypto, Newton and NDAX. Some banks flag or block card payments to exchanges, so read which Canadian banks allow crypto first.

Buying gift cards with crypto is a separate question. I have not verified a Canadian gift-card seller that I would point you to, so I leave that out rather than guess. Spending through a crypto Visa card at any merchant that takes Visa is the route I can stand behind.

Which Crypto Cards Are Not Available To Canadians?

Most of the famous names are not Canadian products, and I have not found a Canadian launch for any of them on their official pages.

• BlockFi: BlockFi filed for Chapter 11 bankruptcy on November 28, 2022, and its Rewards Visa card was paused. It was never a Canadian card, and a hard credit pull was part of its approval.
• Binance: The Binance card was only available in Europe, and Binance left Canada in May 2023.
• Coinbase and Gemini: Both ran US cards. I have not found a Canadian version of either, so I do not list them.
• Bitpay and Nexo: I once wrote that Bitpay hoped to release a card in Canada in early 2022, and that Nexo’s loan-backed Mastercard was for early access. I could not confirm either as an available Canadian product today.

What Are The Pros And Cons Of Crypto Cards?

Pros Of Using A Crypto Card

• Earn cashback on your purchases
• Top up your card easily with crypto or fiat
• Spend anywhere Visa is accepted
• No credit checks required
• Only spend money you have in your account
• Cards often come with additional benefits

Cons Of Using Crypto Cards

• They may have reward or spending limits
• If you swap your crypto rewards for Canadian dollars, it counts as a taxable event, and rewards may be taxable too, so keep records (see the crypto tax guide)
• They do not improve your credit score
• There may be certain restrictions or requirements to be eligible for all rewards
• Not all crypto cards are available to Canadians

I used to list “rewards are not taxed as income” as a pro. I cannot back that up with a CRA source, so I have removed it. Ask an accountant how your own rewards should be reported.

Are Crypto Cards Safe To Use In Canada?

Crypto cards are as safe as the company behind them. Apply through a reputable exchange or company. Prepaid balances are held by the issuer, not in a Canadian bank account, so I do not keep large balances on a card. Crypto.com caps its Canadian card at C$35,000.

What Should I Consider When Applying For A Crypto Card?

You should look for a crypto card that is free to use without monthly or annual fees. Prepaid crypto cards should not affect your credit score or require a credit check. Compare the cashback rate with the caps and with any fees on foreign currency purchases, as those can wipe out a 1% reward.

How Do You Use Crypto Cards?

Crypto cards work just like any other Visa and are accepted in stores and online. They are actually prepaid cards with similar benefits to credit cards. You can only spend what you have in your account. To use one, top up your account and spend. On your purchases, you will receive your crypto rewards directly in your account, which you can use to trade, cash out, or top up your card.

How can I apply? Sign up to the exchange that is offering the card you wish to apply for. Follow their application steps online or in their app.

• Sign up for the Shakepay Visa Card
• Sign up for the Crypto.com Visa Card

Will A Crypto Card Affect My Credit Score?

Most crypto cards do not affect your credit score because they are not real credit cards. They are similar to prepaid or debit cards.

What Is The Best Crypto Debit Card In Canada?

Choosing the best Canadian crypto card depends on what rewards you value most. If you’re a Bitcoin holder and want to keep growing your stack passively, Shakepay is my pick. If you value more of an “all-rounder” then you won’t find much better than Crypto.com, which offers streaming rebates and tiered cashback, provided you are comfortable with CRO.

The good news is that the more mainstream crypto becomes, the more crypto card options for Canadians there will be, and with more competition comes more rewards. In the meantime, the most popular way to get crypto is Canadian cryptocurrency exchanges.

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