57 Best Crypto Cards in Mexico 2026

What to Know Before Using Crypto Cards in Mexico

Tax

Every Swipe Is a Taxable Disposal

Mexico treats crypto as property, meaning every card purchase triggers a taxable event where you must calculate the gain or loss against your original purchase price.

Restriction

New Default Bank Transfer Caps

Starting January 2026, banks apply a default limit of approximately MXN 12,800 on digital transfers (SPEI) unless you manually configure a higher limit.

Tax

No Small Transaction Tax Exemption

Unlike some countries, Mexico has no 'de minimis' rule; even a small coffee purchase made with crypto is technically reportable for income tax.

Banking

Banks Maintain Institutional Distance

Regulated banks are restricted from handling crypto directly, often leading to extra scrutiny or frozen transfers when moving money to crypto exchanges.

Regulation

Real-Time Tax Reporting for Platforms

Effective April 2026, digital platforms must provide the tax authority (SAT) with real-time access to transaction data, increasing visibility of crypto card usage.

Regulation

Crypto Classified as Vulnerable Activity

Crypto services are legally flagged for high money laundering risk, which triggers stricter identity verification and lower reporting thresholds for users.

Common Questions About Crypto Cards in Mexico

1 Do I have to pay tax every time I use my crypto card in Mexico?

Yes, in theory. Because Mexico treats crypto as an asset rather than currency, selling it to fund a purchase is a 'disposal.' You owe income tax on any profit made between the time you acquired the crypto and the time you spent it.

2 Why is my bank transfer to a crypto exchange being blocked?

This is likely due to the new MTU (User Transactional Amount) rules. If you haven't set a custom limit, your bank may block transfers over roughly MXN 12,800. Additionally, Mexican banks are often cautious and may flag crypto-related SPEI transfers for manual review.

3 Are stablecoins tax-free to spend in Mexico?

No, they are legally treated the same as Bitcoin. However, because stablecoins don't usually change in value, you likely won't have a 'gain' to pay tax on, which makes the recordkeeping much simpler for daily spending.

4 Can I still get a local crypto card in Mexico?

Options are changing rapidly; for example, Bitso discontinued its local card in May 2025. You may need to look for international providers that support Mexican residents, but be aware that local SPEI funding might still face bank scrutiny.

5 Will the Mexican tax office (SAT) know about my crypto spending?

Likely yes. New regulations starting in 2026 require digital platforms to give the SAT real-time access to transaction records. Combined with Mexico's strict anti-money laundering reporting, your crypto-to-fiat activity is highly visible to authorities.

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 Mexico

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.

COCA Card

3.9⭐

COCA Card is a prepaid Mastercard offering high crypto cashback rewards and global spending flexibility. Issued via Wirex on the Mastercard network, it supports multiple stablecoins and requires pre-loading with funds converted to EUR.