Low or Zero FX Fees
Travel-focused crypto cards typically offer competitive foreign exchange rates with minimal or no fees when spending abroad.
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Last updated: December 12, 2025 6 cards
Travel-Focused Cards
Cards optimized for international travel with low FX fees, free ATM withdrawals, and travel-related perks. Travel-focused crypto cards are designed with international users in mind, typically offering benefits like low or zero foreign transaction fees, competitive currency conversion rates, and travel-related perks. Browse our curated selection of travel cards to find one that will enhance your international spending experience.
International ATM Access
Free or discounted ATM withdrawals worldwide, making it easier to access cash in local currencies.
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Travel Insurance
Many travel-focused cards include complimentary travel insurance coverage, protecting your trips and purchases.
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Airport Lounge Access
Premium travel cards often provide access to airport lounges, enhancing your travel experience with comfortable waiting areas.
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How Cards Are Ranked
Cards in this category are ranked based on estimated monthly value using these assumptions:
Monthly Spend
$2,000
Staking Budget
$1,000
Fx Spend Percentage
70%
Atm Withdrawal Percentage
25%
The ranking considers calculated cashback minus fees based on the typical user profile above. It emphasizes low FX fees and good ATM access, factoring in category-specific features and tier balancing.
Top Travel-Focused Cards
Showing 6 cards
Winity Life
Exclusive
Visa
+138
USD
2$ fees
140$ rewards
- WinBack Points rewards system
- Instant virtual card issuance
- Apple Pay and Google Pay integration
- Global Visa acceptance at 100+ million merchants
- 24/7 customer support via multiple channels
- Customizable card designs via mobile app
- Real-time crypto-to-USD conversion
- Enterprise-grade security with multi-factor authentication
- Zero conversion fees for WCO deposits
- Customizable spending limits and instant card lock/unlock
Gemini Credit
XRP Edition
Mastercard
+80
USD
0$ fees
80$ rewards
- Up to 4% back on gas, EV charging, transit & rideshares (up to $300 monthly spend, then 1%)
- 3% back on dining
- 2% back on groceries
- 1% back on all other purchases
- $200 welcome bonus in XRP after spending $3,000 in first 90 days
- Default reward currency: XRP (can switch to any of 50+ supported assets)
- Referral program: Refer friends, earn up to $5,000 in XRP
- Choose from 50+ cryptocurrencies for rewards with ability to switch anytime
- Instant crypto rewards deposited directly to Gemini account
- Vault Rewards: up to 10% back at select merchants (monthly per-merchant caps apply)
- Merchant Rewards Offers program with rotating partner merchants
- Special cardholder discounts for Peacock Premium, Instacart, ResortPass, Lyft, Booking.com, and more
- Mastercard World Elite benefits
- Mastercard Zero Liability Protection
- ID Theft Protection
- Instant card lock functionality via app
- Virtual card available immediately upon approval
- No visible card number on physical card (stored in Gemini app)
- Limited-edition metal design themed for XRP
Bit2Me
Level 7
Mastercard
+85
USD
55$ fees
140$ rewards
- Mastercard debit card for spending cryptocurrencies worldwide
- Available in virtual and physical formats
- Apple Pay and Google Pay integration
- Real-time conversion of crypto to fiat at point of purchase
- Freedom to change preferred cryptocurrency wallet at any time
- Real-time transaction notifications
- Instant card blocking/unblocking
- Seamless integration with Bit2Me ecosystem
- Access to Bit2Me Life travel and accommodation discounts
- Additional cashback at 300+ partner stores (Ikea, Uber, Fnac, Nike)
- Up to +7% extra via Bit2Me Earn staking
- Up to +25% extra via Bit2Me Life merchant offers
- 100% fee discounts
- 19.2% extra APY on Earn
- 100% Launchpad access likelihood
- 3DS and 2FA authentication
- Cold wallet protection
Coinbase
Coinbase One Credit Card - 3% Tier
Visa / Amex
+56
USD
4$ fees
60$ rewards
- 3% Bitcoin back on all purchases with $10,000+ in Assets on Coinbase
- Premium stainless steel card (17g) with Bitcoin Genesis Block etching
- No foreign transaction fees
- American Express network benefits including Retail Protection, Extended Warranty, Trip Cancellation and Interruption Insurance
- Ability to pay statement balance with cryptocurrency or bank account
- Virtual card available instantly upon approval
- Apple Pay and Google Pay integration
- Coinbase One membership benefits: 4.25% APY on first $10,000 USDC then 3.85% APY, $10/month sponsored smart wallet gas on Base, zero trading fees up to $500/month, $1,000 crypto protection coverage
- Premium customer support for Coinbase One members
Kolo
Standard
Visa / Mastercard
+34
USD
6$ fees
40$ rewards
- 5% BTC cashback welcome bonus for new users (limited-time offer)
- Apple Pay and Google Pay integration
- Real-time crypto-to-fiat conversion at point of sale
- Memepay feature for direct memecoin spending
- 100% cashback on random transactions (occasional)
- Multi-level referral program
- Early adopter KOLO token airdrops
- Co-branded cards for crypto communities
- Hybrid custody model with user asset ownership retained
- Support for 10+ cryptocurrencies including memecoins
- MiCA-ready and Travel Rule aligned compliance
- 0% APR and 0% interest on purchases
COCA
Standard
Visa
+30
USD
0$ fees
30$ rewards
- 3% cashback on first $1,000/month, then 1%
- 50% rebate on Netflix subscription (up to $70/month)
- 6% APY on balances up to $50,000, 2% APY on the rest
- Free ATM withdrawals up to $250 monthly
- Referral program: $10 for both referrer and referee (up to 100 referrals)
- Monthly Lucky Drop token airdrops for active users
- COCA Travel: Up to 50% off hotel bookings
- Free worldwide shipping for physical card
- Access to DeFi yield products through Earn feature
- Free Standard Tier until February 28, 2026 for users holding at least 1 COCA token on September 1, 2025
Comparing Travel-Focused Cards
When comparing travel-focused crypto cards, pay special attention to foreign transaction fees, ATM withdrawal terms, and international acceptance rather than focusing solely on cashback rates.
Key Features to Compare
- Foreign transaction (FX) fee percentage
- ATM withdrawal fees and limits in foreign countries
- Travel insurance coverage and terms
- Airport lounge access availability
- Geographical restrictions and card acceptance worldwide
Comparison Tips
- Verify the card works in all regions you plan to visit
- Compare the true exchange rates offered, not just the advertised 'no FX fees'
- Calculate the value of travel insurance versus purchasing separately
- Consider whether lounge access aligns with your travel patterns and preferences
For frequent travelers, the savings on foreign transaction fees and ATM withdrawals often outweigh slight differences in cashback percentages.
Frequently Asked Questions about Travel-Focused Cards
1 How do travel-focused crypto cards handle foreign currency conversion?
Travel-focused crypto cards typically convert your cryptocurrency to the local currency at the point of sale, often using inter-bank exchange rates. Many advertise "zero FX fees," though it's important to verify if there's any spread on the exchange rate being applied.
2 Can I use travel crypto cards in countries with strict crypto regulations?
This depends on the card. Most travel-focused crypto cards work through traditional payment networks like Visa or Mastercard, so they function like regular cards at the point of sale. However, some countries may restrict certain crypto card issuers, so it's important to check the geographical coverage before traveling.
3 Do these cards offer travel insurance?
Many premium travel-focused crypto cards include travel insurance benefits such as trip cancellation, lost luggage, and medical emergency coverage. The extent of coverage varies significantly between providers, so carefully review the terms if this is an important feature for you.
4 Are there limits on ATM withdrawals when traveling?
Yes, most travel crypto cards have daily and monthly ATM withdrawal limits. Travel-focused cards often offer higher limits or free withdrawals up to certain amounts each month. Some premium cards offer unlimited free ATM withdrawals worldwide, though this usually requires meeting staking requirements.
5 How do I handle customer support issues while traveling internationally?
Top travel-focused crypto cards offer 24/7 global customer support through multiple channels including in-app chat, email, and phone. Some premium options provide dedicated support lines for international travelers. Before traveling, it's wise to save offline copies of support contact information.
Detailed Comparison
Compare the key travel features of each card
| Card | Cashback | FX Fees Foreign exchange fees when spending abroad | ATM Fee Fee for ATM withdrawals | Countries Number of countries where the card is accepted | Lounge Access Airport lounge access included | Details |
|---|---|---|---|---|---|---|
| Winity Exclusive | 7% | 0% | 0% | Global 191 countries | No | View Details |
| Winity Executive | 8.5% | 0% | 0% | Global 191 countries | No | View Details |
| Gemini XRP Edition | 4% | 0% | 0% | Multiple regions 52 countries | No | View Details |
| Gemini Solana Edition | 4% | 0% | 0% | Multiple regions 52 countries | No | View Details |
| Gemini Business Card | 4% | 0% | 0% | Multiple regions 52 countries | No | View Details |
| Bit2Me Level 7 | 7% | 2% | 0% | Europe 33 countries | No | View Details |
| Coinbase Coinbase One Credit Card - 3% Tier | 3% | 0% | 0% | Unknown 0 countries | No | View Details |
| Kolo Standard | 2% | 0% | 0% | South America, Europe & more 56 countries | No | View Details |
| COCA Standard | 3% | 0% | 2% | Europe & South America 52 countries | No | View Details |
| Bit2Me Level 6 | 5% | 1.75% | 0% | Europe 33 countries | No | View Details |
| Ether.Fi Core | 2% | 1% | 2% | Global 181 countries | Yes | View Details |
| Coinbase Coinbase One Credit Card - 2% Tier | 2% | 0% | 0% | Unknown 0 countries | No | View Details |
| COCA Starter | 1% | 0% | 2% | Europe & South America 52 countries | No | View Details |
| Gemini Classic Gemini Credit Card | 1% | 0% | 0% | Multiple regions 52 countries | No | View Details |
| Krak Standard | 1% | 0% | 0% | Europe 31 countries | No | View Details |
