If you believe the advertising promises of crypto cards, issuing them is like getting a personal banker who doesn’t charge a penny for their work. But the truth, as usual, is not so romantic. This list contains the seven most popular cards that claim zero service fees and zero commissions. We checked which ones actually work and which ones turn into hidden spreads or opaque terms of service.
7 – OKX Card
A card from the major crypto exchange OKX, whose promises sound the most fantastic: on the page answering questions about fees, there are 12 zeros written – from settlements to free service – and a generous limit: up to $10,000 per day and $50,000 per month. These promises are quite realistic, but it is important to understand how this is even possible:
- The exchange’s main income is trading commissions, which cover the costs of operating the crypto card and attract new customers.
- The difference between the market price and the exchange price is called the spread. It may be insignificant, but it still covers part of the costs.
- Part of the costs may also be covered by partners who offer discounts for payments.
6 – Utorg
A card from the decentralized Utorg wallet with a high level of security and a high entry threshold for newcomers to the industry. The marketing of its crypto card is also based on the promise of 0% on all payments, which is true, but not without reservations.
You can find clarification that “0%” is valid for a limited period (after release), and for accurate information, you are invited to contact customer support. In the FAQ, the answer to the question “Are there really no fees?” specifies: “no payment fees, no currency markups, no monthly fees”, and the platform earns on transaction volumes, “not on you”.
5 – Coinbase Card
A card from the largest crypto exchange in the US, operating only in USD and only within the United States (except Hawaii). Any assets in your exchange account can be used for conversion, as well as a USD loan secured by cryptocurrency.
On the crypto card’s main page, the exchange promises “no hidden fees” for expenses and no annual fees, while honestly warning in a footnote at the bottom of the site that “Coinbase does not charge a transaction fee, but a spread applies when buying, selling, or exchanging cryptocurrencies”. This can be considered a marketing ploy, but the exchange fulfills its obligations. It is worth remembering that all fiat exchange transactions (as well as conversion to USD for the card) are subject to tax.
4 – Wirex Card
A card from the fintech company Wirex, available for issuance in the EU, Australia, and the UK. The card account is linked to your account balance, so each payment made with it converts assets into fiat currency through its exchange platform.
The service offers many 0% options – top-up using a local card, ATM withdrawals, currency exchange. However, there is a catch: the additional exchange fee varies depending on “the currency pair and available liquidity”, and the withdrawal fee varies depending on the currency and your region. Also, free withdrawals are limited to $200. You can check the exact fees directly in the Wirex mobile app.
3 – CL Card
The card is from Ledger, a company known for its line of hardware wallets, in partnership with Baanx, a provider of several crypto cards. The payment account requires prior replenishment from the wallet, which means it automatically requires a blockchain commission fee. However, the commission for card payments themselves starts at 0%.
The card also offers 1% cashback in BTC, USDT, or 2% in BXX (Baanx) tokens, which may raise questions about the profitability of such conditions. However, the answer is simple: in addition to this, the Ledger card offers a credit line through Cryptodraft and Stableloan, which provides zero fees. This page lists the fees for assets and transaction types.
2 – Gnosis Pay
A card from another decentralized wallet that offers 0% commission on all payments, currency exchanges, and withdrawals. The main currency of the EURe crypto card is the company’s own stablecoin, issued on its own L2 network, Gnosis Chain.
This architecture is the answer to how such favorable conditions are possible: L2 fees are so low that the cost of transactions is almost 0%. In fact, the network itself provides this level, but more than that, it is achieved by the entire Gnosis ecosystem, which does not end with just a crypto card.
1 – Trustee Plus
The tool, launched on the basis of the Trustee Plus, provides zero fees on transfers, stablecoin exchange within the application, and, of course, all card payments and replenishment with cryptocurrency. The cryptocard works with EUR worldwide wherever Visa and MasterCard terminals are accepted. It was developed by a team led by Vadym Grusha, specialists in the field of cybersecurity. In addition, there is a referral program, a Trustee Points bonus system, and discounts on hotels around the world with Trustee Travel.
Despite the bold promises, these favorable terms are more than realistic. The fact is that a payment card here is a point of entry into the ecosystem: the more transactions, the more users, the higher the turnover, demand, and liquidity, and the lower the commissions and the more favorable the terms. The 0% commission is justified by the very architecture of the service, which is built on the symbiosis of the convenience and speed of centralized systems and the reliability of blockchain.
How to Start Using the Trustee Plus Crypto Card
1. Download the Trustee Plus app and create an account.
Install App > Tap “Sign up” > Enter Phone/Login > Set PIN & PassKey > Enable Face/Touch ID > Activate 2FA > Done!
2. Complete the standard Identity Verification (KYC).
Tap Profile (top-left) > Tap Login Info > Tap “Identity” > Select Country > Tap “Other method” > Choose Reason & Income Source > Enter Address > Select ID Type > Take Selfie & Smile!
3. Issue a virtual card and top up your balance in USDC.
Tap “Issue card” (Home) > Agree to Terms > Confirm Issuance > Top up with USDC
4. Add the card to Apple Wallet or Google Pay to start making payments.
Google Pay: Open Google Pay > Select “Payment Card” > Accept Terms > Enter Card Details > Done!
Apple Pay: Go to “More” > Select Apple Pay > Add to Apple Pay > Open Wallet > Add Manually > Enter Card Details > Verify with Code > Done!
Beginners don’t need complex exchanges with order books or confusing P2P transfers. The primary goal when starting out is to purchase assets without the risk of technical errors or hidden fees. Today, the gateway to the industry is through crypto-neobanks — apps that function with the same intuitive logic as your familiar mobile wallet.
In the ranking of Incrypted, the largest crypto media in Eastern Europe, this card topped the list back in 2023, the year of its release, and today, three years later, is still going strong.
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