64 Best Crypto Cards in Brazil 2026

What to Know Before Using Crypto Cards in Brazil

Tax

Every Spend Is a Tax Disposal

Using a crypto card to buy coffee or pay bills is legally treated as selling an asset, which may trigger capital gains tax on the price difference.

Tax

R$ 35k Monthly Tax-Free Limit

Individual users generally enjoy a tax exemption on gains if their total crypto sales and spends stay below R$ 35,000 within a single month.

Regulation

Stablecoins Facing FX Regulation

The Central Bank is moving to treat stablecoin transactions as foreign exchange operations, which could add currency-style taxes (IOF) to card settlements.

Banking

Pix Integration is Essential

Brazil's instant payment system, Pix, is the primary way to fund crypto cards; users should prioritize cards that support local Pix top-ups for speed.

Heads Up

Aggressive Fraud-Detection Blocks

Banks frequently freeze Pix transfers to crypto platforms for 'security reviews,' which can temporarily lock your funds during a card top-up.

Restriction

CPF is Non-Negotiable

You cannot access local crypto card services or banking rails without a valid CPF (tax ID), making onboarding difficult for new expats.

Common Questions About Crypto Cards in Brazil

1 Do I have to pay tax every time I tap my crypto card in Brazil?

Not necessarily at the moment of purchase, but you must track it. If your total crypto spending and selling for the month stays under R$ 35,000, your gains are usually exempt. If you go over that limit, you'll need to calculate the profit made on every transaction and pay tax via a monthly tax slip called a DARF.

2 Can I just use a foreign crypto card to avoid Brazilian taxes?

No, if you are a Brazilian tax resident, you are required to report global assets and disposals. Furthermore, using an offshore card often triggers a high foreign exchange tax (IOF) on every transaction, making it much more expensive than using a local provider.

3 Why was my bank transfer to my crypto card app blocked?

Brazilian banks use very aggressive automated filters for Pix transfers. Because crypto is flagged as high-risk for fraud, your bank may hold the transfer for several hours or require phone verification before the money reaches your card provider.

4 Is there a flat 17.5% tax on crypto in Brazil now?

No, that was a proposed law (MP 1,303) that expired in 2025 without being passed. Currently, crypto is still taxed under the standard capital gains rules, which include the R$ 35,000 monthly exemption for most individual users.

5 Does the government know about my crypto card spending?

Yes, likely. New reporting rules (DeCripto) and existing regulations require local exchanges and card providers to share transaction data with the Receita Federal. Even offshore platforms are increasingly being brought into this reporting net.

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 Brazil

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.