One Card, Many Currencies

The multi-currency and crypto-enabled cards are gaining traction, offering a modern alternative to traditional credit and debit cards.

Frequent travelers and people who shop on international websites can benefit greatly from this type of card — as can those who invest in cryptocurrencies like Bitcoin and Ethereum.

In this guide, you’ll learn everything you need to know to choose the right card, understand its advantages and limitations, and what to consider before applying.

What Are Multi-Currency and Crypto-Friendly Cards?

Multi-currency cards allow users to store and spend different fiat currencies (such as the U.S. dollar, euro, British pound, and others) using a single card.

Crypto-enabled cards, on the other hand, let you use digital assets to make purchases anywhere that accepts traditional cards like Visa or Mastercard.

In practice, these cards perform instant currency conversion from the selected fiat or crypto asset to the local currency at the point of sale.

How Do These Cards Work in the United States?

In the U.S., several fintech companies and cryptocurrency exchanges offer cards with these features.
Companies like Coinbase, Revolut, and Wise are among the most popular.

sually, the process is simple: you open an account with the platform (often by downloading an app), deposit funds in fiat or crypto, and then request a physical or virtual card.

Key Benefits

Savings on Exchange Rates

Unlike many traditional banks that charge between 2% and 3% in foreign transaction fees, multi-currency cards often offer more competitive rates — sometimes even zero fees for certain currencies.

Smart and Automatic Conversion

Most cards automatically select the best currency for each transaction, avoiding unnecessary conversions and maximizing your balance.

Access to Crypto Balances

You can use your crypto holdings directly to pay bills, shop, or even withdraw from ATMs — without the need to convert to dollars beforehand.

Crypto Rewards and Cashback

Some cards offer cashback in crypto tokens (such as CRO or Bitcoin) for every purchase, which is attractive for users looking to accumulate digital assets.

Full Control via App

With just a few taps, you can block your card, change the currency in use, or monitor your spending in real time — perfect for travelers or anyone managing a multi-currency budget.

Things to Watch Out For

Cryptocurrency Volatility

If you’re using your crypto balance, remember that its value can fluctuate significantly from one day to the next.

This directly impacts how much you’re actually spending or saving — something seasoned crypto users are familiar with.

Conversion and Withdrawal Fees

Some cards charge conversion fees when using currencies not directly supported or fees for ATM withdrawals. Plan ahead for those extra costs.

Limits and Usage Rules

Each issuer has its own policies for spending limits, withdrawals, and rewards. It’s crucial to read the terms and conditions before getting started.

Regulation and Security

In the U.S., not all card issuers are traditional banks. Check whether the fintech is reputable, registered with FINCEN or the SEC, and whether it offers minimum security standards such as two-factor authentication.

Who Are These Cards Best Suited For?

These cards are especially beneficial for digital nomads who receive income in multiple currencies, particularly for frequent travelers who need to spend in different countries.

They’re also ideal for online shoppers and international entrepreneurs looking to spend or earn money anywhere in the world.

And finally, they’re a smart option for crypto investors who want to use their assets in daily life.

Popular Examples Available in the U.S.

Coinbase Card

Allows you to spend cryptocurrencies directly from your Coinbase wallet. Offers crypto cashback and full integration with the exchange’s app.

Crypto.com Visa Card

Offers up to 5% cashback in crypto, reimbursement for services like Spotify and Netflix (depending on your card tier), and even airport lounge access.

Wise Multi-Currency Card

Focused on fiat currencies. Supports over 40 currencies with real exchange rates and no hidden fees.

Revolut Card

Although based in Europe, it works well in the U.S. Offers automatic currency conversion, cashback, and even a built-in crypto account.

Written by

Gabriel Gonçalves