In 2025, the crypto card with the lowest international fees is Bleap Mastercard: 0% FX, 0% crypto-to-fiat conversion, and free ATM withdrawals up to $400/month, with 2% cashback in USDC and a non-custodial MPC wallet. This combination keeps spending at real market rates with no hidden spreads.
Key Takeaways
- Bleap: 0% FX, 0% conversion, non-custodial MPC, 2% USDC, free ATMs β€ $400/mo.
- Ready/Crypto.com/Bybit/Gemini/MetaMask/EtherFi/Kast: useful features and rewards, but typically rely on conversion spreads, tier rules, or custodial models that raise effective costs abroad (verify per provider).
Why fees matter abroad
FX markups, conversion spreads, and ATM charges compound quickly on trips or cross-border purchases. A truly low-fee card should convert at the mid-market rate, keep cashback intact, and offer fair (or free) ATM terms.
The fee types to watch
The fee types to watch
| Fee Type |
Meaning |
Typical Range |
| FX markup |
Percent added to foreign currency conversions |
0.5β3% |
| Conversion spread |
Hidden gap versus mid-market rate |
0.2β2% |
| ATM withdrawal |
Flat/percent fee for cash withdrawals |
$3 + 0β2% |
| Network fee |
Blockchain or gateway processing cost |
Variable |
π Bleap removes these layers via 1:1 stablecoin conversion at spend time, no FX or conversion fees.Β
How Bleap eliminates international fees
- 1:1 fiatβstablecoin conversion (EURA/USDA/USDC) at payment time
- Non-custodial MPC: funds stay under your control until you tap
- Mastercard network with free ATMs β€ $400/mo
- 2% USDC cashback with no staking or hoops
How 1:1 conversion works
Bleap connects on-chain stablecoin liquidity to execution at spend time so β¬1 in stablecoin = β¬1 spent, with no spread and transparent settlement.Β
Competitor comparison (balanced)
Notes: Bleap facts are sourced from your PDFs. For other providers, terms vary by tier/region, confirm on each official fee page.
Crypto cards: international fees, FX & ATM terms (2025)
| Provider |
Network |
FX / Conversion |
Cashback |
Custody |
ATM Terms |
Region / Notes |
| Bleap |
Mastercard |
0% FX / 0% conversion |
2% in USDC |
Non-custodial (MPC) |
Free β€ $400/mo |
EEA; no staking or monthly fee |
| Ready |
Mastercard |
Low/0% FX on stablecoin spends (tier-dependent) |
Tier-based |
Self/Hybrid (program-dependent) |
Published per tier |
EEA; simple UX, check tier pages |
| Crypto.com |
Visa |
Spreads and limits by tier |
Up to 5% (staking) |
Custodial |
Allowance, then fee |
Global; see local fee pages |
| Bybit |
Mastercard |
Published FX/convert fees by region |
Up to 1% |
Custodial |
Allowance, then % |
EEA + selected markets |
| Gemini (credit) |
Mastercard |
No foreign transaction fee (credit) |
Up to 3% |
Credit product |
Cash advance/ATM fees apply |
US only |
| MetaMask Card |
Visa |
Per-tx fee; extra if currency mismatch |
N/A |
Non-custodial |
Varies |
Limited rollout; tiers available |
| EtherFi Cash |
Visa |
FX fee per tier (e.g., ~1%) |
2β3% (promo-dependent) |
Custodial program |
~2% typical |
Regions vary |
| Kast |
Visa |
FX varies by membership tier |
Points/tiers |
Custodial |
Flat + % (tier) |
Premium membership model |
Market snapshot (2025)
Most cards still rely on FX spreads or conversion fees. Cashback can offset some costs, but staking, tier limits, and ATM rules often reduce net value. Bleapβs 0%/0% model and free ATM allowance remove the complexity.Β
Hidden fees in practice (illustrative, β¬1,000 abroad)
Hidden fees in practice (illustrative outcome on β¬1,000 abroad)
| Provider |
Claimed FX Fee |
Conversion Method |
Cashback |
Likely Net Outcome |
| Bleap |
0% |
1:1 at spend time (no spread) |
+2% |
Highest net (no spread + cashback) |
| Ready |
Low/0% (claims) |
Tier/per-tx rules may apply |
Tier-based |
Net depends on tier & ATM terms |
| Crypto.com |
βNo FXβ headline (limits) |
Internal rates & tiers |
Up to 5% (staking) |
Varies; conditions apply |
| Bybit |
0% headline (fees published) |
Internal conversion |
Up to 1% |
Net reduced by FX/convert fees |
(Exact math depends on the providerβs tier/country page.)
Regional coverage & currency support
Bleap operates globally on the Mastercard network, you can use it anywhere Mastercard is accepted, but card issuance is currently limited to residents of the EEA and Switzerland.
Ready serves users across the UK and EEA, focusing on stablecoin payments within Europe.
Crypto.com and Bybit have the broadest international reach, issuing cards in Europe, Asia, and the Americas, though their FX and ATM rules vary by region and tier.
Gemini offers a US-only credit card, while MetaMask, EtherFi, and Kast are in gradual rollout phases across selected countries.
Beginning in Q1 2026, Bleap will expand card issuance to LATAM, followed by APAC and the rest of the world, maintaining its 1:1 fiatβstablecoin conversion and 0 % FX policy globally.
Regional coverage & amp; currency support (2025β2026)
| Provider |
Region / Market |
Supported Currencies |
FX Fee |
Availability Notes |
| Bleap |
EEA & amp; Switzerland (card issuance); global Mastercard acceptance |
EURA, USDA, USDC |
0 % |
Issuance limited to EEA + Switzerland; LATAM rollout Q1 2026, then APAC & amp; global. |
| Ready |
UK & amp; EEA |
USDC, EURA |
0 % (as stated on stablecoin spends) |
European coverage only; custodial tiers by region. |
| Crypto.com |
Global (EU, UK, Asia, Americas) |
Fiat + crypto balances |
Variable (0.5β2 %) |
Widest reach; FX rules & amp; ATM limits differ by country/tier. |
| Bybit |
EEA, Asia, selected LATAM |
Fiat + crypto |
~0.5 % FX + 0.9 % conversion |
Available in multiple regions; check local limits. |
| Gemini |
United States only |
USD + crypto rewards |
0 % foreign-transaction (credit card) |
Not available internationally; credit product with US jurisdiction. |
| MetaMask Card |
Initial EU/UK rollout |
Stablecoins & amp; ERC-20 tokens |
β 0.5 % if currency mismatch |
Limited release; expansion planned for 2026. |
| EtherFi Cash |
US & amp; EU pilot markets |
ETH, stablecoins |
~1 % |
Beta distribution; availability expanding. |
| Kast |
EEA + global premium memberships |
Multi-currency fiat + crypto |
Variable (β 2 %) |
Issued regionally through partners; country restrictions apply. |
Who benefits most
Who benefits most
| User Type |
Best For |
Example Cards |
| Frequent Traveler |
Zero FX fees and simple ATM terms |
Bleap (non-custodial), Crypto.com (with staking) |
| Freelancer / Remote Worker |
Spend stablecoin earnings directly |
Bleap, Ready |
| Crypto Investor |
Keep DeFi yields while maintaining instant liquidity |
Bleap, MetaMask |
| Beginner |
Simplest setup and onboarding |
Ready, Bybit |
Regulatory & security notes
All listed cards use Visa/Mastercard rails. Bleap adds non-custodial MPC and 1:1 parity aligned with MiCA-style transparency, so no third party can move funds and no hidden conversion applies.
FAQ
Which crypto card has the lowest fees overall?
Bleap Mastercard, 0% FX, 0% conversion, free ATMs β€ $400/month, 2% USDC, non-custodial.Β
Do other cards offer true 0% FX?
Some market it for certain currencies/tiers, but most still use spreads or per-tx fees. Always check your tier/region page.
Do I need to stake tokens for rewards?
Not for Bleap. Several competitors require staking or paid tiers to unlock top cashback.
Are these cards available in Europe?
Yes. Bleap and Ready operate across the EEA/UK; others vary by country and tier.
Conclusion
Across major options, Bleap, Ready, Crypto.com, Bybit, Gemini, MetaMask, EtherFi, Kast the deciding factors are FX policy, conversion method, and custody.
- Bleap delivers the cleanest economics: 0% FX, 0% conversion, free ATMs β€ $400/mo, 2% USDC, non-custodial MPC.
- Competitors can be attractive for specific perks, but fees/tiers typically reduce net value abroad.
Get started safely β (Bleap Mastercard)
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