60 Best Crypto Cards in Argentina 2026

What to Know Before Using Crypto Cards in Argentina

Tax

Every Spend Is a Taxable Disposal

Argentina treats spending crypto as a sale of assets, meaning you owe income tax on the price difference between when you got the crypto and when you spent it.

Tax

5% vs 15% Implementation Split

The tax rate on your gains is 5% if the sale is settled in pesos without adjustments, but jumps to 15% if it is treated as a foreign currency transaction.

Tax

No Tax-Free Holding Period

Unlike some countries, Argentina does not offer a tax exemption for holding crypto long-term; you are taxed on the gain regardless of how long you owned it.

Regulation

Payment Apps Restricted from Crypto

Central Bank rules prevent standard payment apps (PSPCPs) from offering crypto directly, often requiring you to use a specialized registered crypto provider instead.

Restriction

6-Salary Reporting Threshold

If your card activity exceeds six times the minimum wage, providers must report your data to authorities, which often triggers requests for proof of funds.

Heads Up

Impuesto PAIS Expiry Impact

The expiration of the PAIS tax in early 2026 has changed the math for using crypto cards for foreign purchases, though local 'perception' taxes may still apply.

Common Questions About Crypto Cards in Argentina

1 If I only spend stablecoins like USDT, do I still have to pay tax?

Yes. Argentine tax authorities treat stablecoins the same as Bitcoin or Ethereum. Every time you buy something with USDT, it is considered a 'disposal' of an asset, and you must calculate if you made a profit in pesos compared to when you first acquired that USDT.

2 Can I top up my crypto card directly from my Argentine bank account?

Usually, yes. Most local crypto cards use the 'Transferencias 3.0' system, allowing instant transfers via CBU or CVU. However, because of local regulations, you typically have to send the money to a dedicated crypto exchange first rather than buying crypto inside your normal banking app.

3 Will my bank account get frozen if I move money to a crypto card?

While not illegal, Argentine banks can be very conservative. If you move large amounts of money frequently, their risk teams might flag the activity. It is best to keep documentation of where your money comes from in case the bank or the crypto provider asks for proof.

4 Is it better to use my crypto card for local purchases or when traveling abroad?

It depends on the current exchange rate 'gap.' While foreign exchange controls were eased in 2025, Argentina often has different effective rates for international spending due to various surcharges. For local peso spending, the math is simpler, but for international travel, you should check the current 'dólar tarjeta' rate versus the crypto conversion rate.

5 Do I need to report my crypto card spending to the government?

You generally don't report every coffee you buy individually, but you are required to file an annual income tax return if your gains from these 'disposals' exceed certain levels. Additionally, if you spend a lot, the card provider will automatically report your activity to the tax authorities (AFIP/ARCA) once you cross specific monthly limits.

Country-specific information last researched on February 13, 2026 . Regulations and policies can change — always verify with your card provider and local tax authority.

Top-Rated Cards in Argentina

Top-Rated Card Details

Ether.Fi Cash Card

4.6⭐

Ether.fi Cash is a non-custodial Visa credit card for DeFi users seeking spending power without selling crypto.

Ready Card

4.6⭐

The Ready Metal Card is a premium self-custodial Mastercard debit card for spending crypto while retaining asset control. Crypto stays in your wallet until each payment, ensuring complete financial autonomy.

Kolo Card

4.1⭐

Kolo Card is a crypto debit card that lets users spend cryptocurrencies, including memecoins, at merchants worldwide that accept Visa or Mastercard. Designed for crypto enthusiasts, it features automatic real-time crypto-to-fiat conversion for everyday purchases.

PAYY Card

4⭐

PAYY Card is a crypto-enabled Visa credit card that lets users spend stablecoins (USDC) directly at merchants while maintaining privacy through zero-knowledge proofs on the Payy Network blockchain. The self-custodial model gives users full control of their funds via the PAYY Wallet app.

Exa Card

4⭐

Exa Card is a virtual Visa credit card enabling users to spend crypto without selling assets. It offers self-custody, onchain borrowing, and flexible payment modes.

Gnosis Pay Card

4⭐

The Gnosis Pay Card is a self-custodial Visa debit card that connects directly to a Safe Smart Account on the Gnosis Chain blockchain. Users maintain complete control of their crypto assets while spending at any Visa-accepting merchant worldwide.