This article will cover the best alternatives to Paycent Card for flexible crypto spending. These options enable you to spend, earn, and manage your crypto in different ways.
Unlike Paycent, each card offers unique features, such as cashback, spending rebates, and crypto-backed spendings benefits.
Regardless of what you value the most—worldwide use, safety, or earning—these cards will help with everyday crypto spending.
Key Poinst & Paycent Card Alternatives
| Alternative | Key Point |
|---|---|
| Coinbase Card | Earn up to 4% crypto rewards |
| Crypto.com Visa Card | Tiered benefits with cashback and perks |
| Binance Card | Spend crypto directly with low fees |
| BitPay Card | Instant conversion of crypto to USD |
| Nexo Card | Dual mode: spend fiat or crypto credit line |
| Gemini Credit Card | Up to 3% back in crypto rewards |
| Wirex Card | Supports multiple currencies with rewards |
| BlockCard | Flat 1% cashback in crypto |
| Revolut Card | Multi-currency wallet with crypto support |
| Uphold Card | Spend over 100+ assets instantly |
10 Paycent Card Alternatives
1. Coinbase Card
The Coinbase card is a valid alternative to the Paycent card since it is linked directly to your crypto assets rather than having to pre-load the card to spend your crypto.
Using the Coinbase Card, you can spend your crypto (including Bitcoin, Ethereum, and other cryptocurrencies) anywhere Visa is accepted.
Coinbase also has better features than Paycent as it has instant app-based transactions, crypto-to-fiat conversions, and improved security, making it more functional and flexible for a crypto user.
Coinbase Card Features
- No need to sell your crypto. Just spend as you would with any Visa.
- Pay with crypto and instantly convert to your local currency.
- Check your balance and transaction history anytime using the Coinbase app.
- Protect your account using a fingerprint and 2-factor authentication.
| Pros | Cons |
|---|---|
| Direct spending of crypto anywhere Visa is accepted | Limited rewards compared to other crypto cards |
| Real-time crypto-to-fiat conversion | Only available in select countries |
| User-friendly mobile app for instant transactions | Transaction fees can apply for some crypto conversions |
| Strong security features | Crypto reward options are limited |
2. Crypto.com Visa Card
The Crypto.com Visa Card represents a compelling alternative to the Paycent Card as it combines smooth crypto spending and rewards.
Customers can load the card with crypto and instantly convert to fiat for everyday purchases; similar to Paycent but with more benefits.
Users can earn tiered rewards with benefits such as up to 8% cash back in CRO tokens, access to airport lounges and subscription rebates for Spotify and Netflix.
It is an ideal card for customers wanting to spend crypto with a lifestyle by earning benefits. The security, transaction tracking, and smooth card management is a plus for many crypto enthusiasts.
Crypto.com Visa Card Features
- With each card tier you can earn more crypto cashback and convert your crypto to local currency.
- Get subscription rebates (e.g. streaming services) on some tiers.
- Higher tiers offer more membership bonuses like airport lounge access.
| Pros | Cons |
|---|---|
| Tiered benefits with up to 8% cashback in CRO | Requires CRO staking for higher tiers |
| Rebates on subscriptions like Netflix and Spotify | Some benefits only on premium tiers |
| Access to airport lounges at higher tiers | Not available in all regions |
| Instant crypto-to-fiat conversion | Complex tier system can confuse new users |
3. Binance Card
Binance Card is a great substitute for a Paycent Card since cardholders can spend cryptocurrency whenever Binance is supported. Like Paycent, the card converts crypto to fiat; however, as a Binance cardholder, you have crypto, stock, and digital asset ecosystem services.
Cardholders can earn up to 8% cashback, manage their Binance funds, and spend with the extra security features.
This card is a great option for everyday use, and combined with Paycent, offers a greater variety and flexibility for everyday crypto transactions than any other card.
Binance Card Features
- Get cashback in the form of BNB for regular purchases.
- Keep your card synced to your Binance wallet for simple funding and crypto management.
- Spend with any card support crypto and convert services.
- Integrated fraud management and transaction monitoring.
| Pros | Cons |
|---|---|
| Earn up to 8% cashback in BNB | Requires Binance account verification |
| Supports a wide range of cryptocurrencies | Cashback only in BNB, not fiat |
| Integrated with Binance ecosystem for easy management | Limited acceptance in some countries |
| Advanced security features | Crypto-to-fiat conversion fees may apply |
4. BitPay Card
The BitPay Card offers a nice alternative to the Paycent Card. Paycent can only support spending one crypto at a time. BitPay’s features include budgeting, spending tracking, and real-time spending of Bitcoin and Ethereum and multiple other Cryptos.
It sells crypto to cash in real time, so users can keep a crypto balance instead of cash. Paycent’s features include instant loading from crypto wallets to the card so users can spend crypto easily.
BitPay offers a simplified user experience, better budgeting features, and stronger security with PINs, only crypto purchases at Mastercard ($) merchants, and flexible crypto spending. Overall, the BitPay card is a good choice for people to spend their crypto assets daily.
BitPay Card Features
- Spend and convert Bitcoin and other major cryptocurrencies like stablecoins.
- The BitPay app gives you spending insights and budget management features.
- Added virtual card functionality for more secure online transactions.
| Pros | Cons |
|---|---|
| Supports multiple cryptocurrencies | Mastercard network may limit acceptance in some countries |
| Instant crypto-to-fiat conversion | Annual fees can apply for physical card |
| Robust budgeting and spending tracking tools | Limited rewards program |
| Integration with multiple wallets | App interface can be complex for beginners |
5. Nexo Card
The Nexo Card stands out as a beneficial alternative to the Paycent Card, allowing users to access and utilize their crypto assets in a more efficient manner.
Unlike Paycent, the Nexo Card allows users to pay for purchases instantly and only, taking a loan against the user’s crypto assets, which allows the user to keep their investments as is.
Some notable benefits of the Nexo Card include no annual fees, up to 2% cash back for purchases, and direct integration with the Nexo wallet for loan and reward management.
Along with instant balance additions, support for multiple currencies, and a variety of security features, the Nexo card is a flexible and liquidity-friendly solution for users to access benefits without liquidating their crypto assets.
Nexo Card Features
- Easily spend your cryptocurrency without liquidating your assets by borrowing against your holdings.
- No annual fees and uncomplicated cashback options on purchases.
- Consolidated loan and rewards management with the Nexo wallet.
- Global acceptance and instant top-ups through Nexo’s payment partners.
| Pros | Cons |
|---|---|
| Spend crypto without selling assets | Cashback limited to 2% |
| Zero annual fees | Requires Nexo account and verification |
| Up to 2% cashback on all spending | Borrowing against crypto adds interest risk |
| Integration with Nexo wallet for loan and reward management | Limited global acceptance compared to Visa/Mastercard |
6. Gemini Credit Card
The Gemini Credit Card is a newer version of the Paycent Card. Users now receive crypto rewards for everyday purchases instead of receiving typical cashback rewards. Compared to Paycent, the Gemini Credit Card is a full credit card, which means users can spend now and pay later.
Users can earn crypto rewards for everyday purchases and get 3% back in crypto rewards for spending. Some of its features include flawless real-time reward tracking, crypto reward tracking, and seamless spending control.
Gemini offers customizable alerts and strong security measures. Users can keep automatic crypto rewards growing and avoid foreign transaction fees.
Overall, the Gemini Credit Card is a great option for people looking for a user-friendly, everyday credit card to earn rewards while spending.
Gemini Credit Card Features
- New purchases earn crypto rewards paid in either Bitcoin or Ethereum.
- Standard credit card functionality — spend and pay back monthly.
- Automatic reward sync through the Gemini exchange.
- High security with customizable spend controls.
| Pros | Cons |
|---|---|
| Earn crypto rewards instead of cashback | Only available to Gemini account holders |
| Real-time reward tracking | Limited reward tiers compared to others |
| No foreign transaction fees | Not a prepaid card; it’s a credit card, so requires good credit |
| Customizable spending alerts and security features | Crypto rewards are subject to market fluctuations |
7. Wirex Card
The Wirex Card serves as a flexible substitute for the Paycent Card. It allows users the ability to spend both cryptocurrencies and regular currencies.
Like Paycent, it allows for instant crypto-to-fiat conversions, but it also has the ability to support multiple currencies.
It has a unique real-time rewards program which allows users to earn 2% cash back on purchases. Users can earn this cash back in the form of Bitcoin or other cryptocurrencies.
Users have the ability to manage their accounts via the Wirex app, which also allows users to set account top-ups as well as receive notifications about their transactions in real-time.
Users of the Wirex Card can spend with security, contactless payments, and global coverage via Visa or MasterCard. The Wirex Card gives users flexible spending methods and rewards while also cashing in crypto.
Wirex Card Features
- Accepts payment in cryptocurrency and fiat.
- Earns up to 2% cryptocurrency rewards on qualifying purchases.
- In-app conversions with multi-currency wallets.
- Contactless and real-time spending updates.
| Pros | Cons |
|---|---|
| Supports both crypto and fiat spending | Cashback capped at 2% |
| Multi-currency support | Fees for certain conversions may apply |
| Real-time rewards program | Not fully available in all countries |
| Integrated app for instant top-ups and tracking | Physical card issuance may take time |
8. BlockCard
BlockCard serves as a practical alternative to the Paycent Card. Like the Paycent Card, BlockCard allows users to spend Bitcoin, Ethereum, or any Stablecoins to make purchases anywhere Visa is accepted.
Where Paycent is very basic, BlockCard is more rewarding. BlockCard offers users instant crypto-to-fiat transactions, supports multiple wallets, and has a fully functional spend, manage, and track integrated mobile app.
Of the many things to enjoy about the card, the added bonus of earning 5% crypto cashback on every purchase, turns everyday transactions into a more flexible and rewarding option for users.
BlockCard Features
- Up to a specified percentage of crypto rewards for spending on the card.
- Card funding from multiple crypto wallets.
- Crypto-to-fiat conversions are done instantly.
- Card management with customizable options and transaction history.
| Pros | Cons |
|---|---|
| Earn up to 5% cashback in crypto | Limited cryptocurrency options compared to others |
| Instant crypto-to-fiat conversion | Higher fees for international spending |
| Multi-wallet support and integrated app | Not widely accepted outside Visa network |
| Strong security measures | Customer support can be slow |
9. Revolut Card
The Revolut Card is an alternative to the Paycent Card to spend traditional and cryptocurrencies globally. Unlike Paycent, Revolut offers banking and crypto services on the same platform, allowing users to convert crypto to fiat, have multiple currency accounts, and spend with real time notifications.
Apart from these features, users can have prepaid cards, and control their spending through budget control, automated spending control, relater savings, and even spend rewards. Premium accounts are available with cash back and travel perks.
The Revolut Card has strong security features, accepts contactless payments and has global acceptance, making it a great all in one solution to spend and manage traditional and crypto currency seamlessly.
Revolut Card Features
- Use a singular card that integrates both crypto and standard banking features.
- Wallets with multiple currencies and instant conversion for worldwide usage.
- Integrated budgeting features and analysis on spending behavior.
- Based on subscription level, benefits and cashback are offered as well.
| Pros | Cons |
|---|---|
| Combines banking and crypto in one platform | High fees on crypto trading for standard plan |
| Multi-currency accounts with instant conversion | Premium features require paid subscription |
| Budgeting tools and spending notifications | Cashback limited or tied to subscription tiers |
| Global acceptance and contactless payments | Some crypto features limited in certain regions |
10. Uphold Card
Compared to the Paycent Card, the Uphold Card offers far more possibilities to its users. It also allows app users to spend several cryptocurrencies, fiat currencies, and even precious metals.
Unlike Paycent, Uphold has its own ecosystem, including an integrated card that allows for instant conversions and spendings of varying assets in the app without the need to convert and spend in the app manually.
Among its unique characteristics, Uphold offers more digital and physical assets instant spendings, plus the app offers versatile spendings and extensive customizable options.
The Uphold Card is user-friendly and offers top-of-the-line security options, including the management of multiple assets in an efficient and streamlined card.
Overall, the Uphold Card is a flexible, spend-anything, and anytime card that gives users the investment access they need.
Uphold Card Features
- Use not only cryptocurrency, but also spendable cash and tokenized investments.
- On-the-spot asset conversion during transactions.
- Inclusion of various assets like stablecoins and secondary metals.
- Operated through Uphold with comprehensive balance management.
| Pros | Cons |
|---|---|
| Spend crypto, fiat, and precious metals | Fewer cashback/reward programs |
| Instant asset conversion at the point of purchase | Only integrates fully with Uphold platform |
| Supports diverse assets in one card | App interface can be overwhelming for beginners |
| Strong security and global Visa acceptance | Some fees apply on conversions |
How We Choose Paycent Card Alternatives
- Rewards & Cashback: Cards that offer crypto or fiat rewards on daily purchases are great.
- Crypto Support: It’s good to look for cards that allow spending or conversion with crypto.
- Fees & Charges: When choosing a card, be sure to look for annual, transaction, or conversion fees.
- Global Acceptance: Cards should be usable around the world on Visa or Mastercard.
- App & Management: It’s good for cards to have easy to use apps for tracking, top-ups, and managing transactions.
- Security Features: Cards should have good security like 2FA, virtual cards, and fraud protection.
- Additional Benefits: Some cards may offer lounge access, subscription rebates, or premium rewards programs. Consider these as well.
Cocnlsuion
In conclusion, alternatives to Paycent Cards provide various ways to spend and manage crypto and digital assets. Cards like Coinbase, Crypto.com, Binance, and BitPay, offer crypto cashback, rewards, worldwide acceptance, and more.
Depending on one’s own spending and crypto habits, one can choose an alternative that meets their particular needs and spend crypto effortlessly.
FAQ
Cards that let you spend crypto or fiat with similar or better features than Paycent.
Examples include Coinbase Card, Crypto.com Visa, Binance Card, BitPay Card, Nexo Card, and more.
Yes, many cards offer cashback or crypto rewards on purchases.
Most alternatives support Bitcoin, Ethereum, and stablecoins, depending on the platform.
