Self-custody cards keep your assets in your own wallet until the moment of settlement. The trade-off is usually lighter rewards and a more involved onboarding flow.
31 cards matching this guide. Filters stay within the category.
1.4k reviews
by Crypto Life (Baanx)48 countries: EEA, UK, Switzerland, LATAM, Canada & Middle East
Metal-tier MetaMask card: 3% mUSD back, 0% FX and higher limits
1.4k reviews
by Crypto Life (Baanx)48 countries: EEA, UK, Switzerland, LATAM, Canada & Middle East
Free self-custody Mastercard earning 1% mUSD back on every purchase
940 reviews
by UnlimitEEA & UK
European MiCA-registered self-custodial Mastercard with 0% FX fees and up to 20% USDC cashback
486 reviews
by OKXEEA
Self-custody OKX Wallet card for EEA spenders.
490 reviews
by Third National Bank150+ countries
Self-custodial global Visa card with 2%–10% cashback, 10% back on AI & flights, and free Claude Pro/ChatGPT Plus
1.9k reviews
by Third National Bank85+ countries (Global)
DeFi restaking Visa credit & spend card with 3%–4% cashback and Claude/ChatGPT MCP integration
Featured cards get pinned placement, a verified badge and a Fast-Track data review. One flat monthly fee — no CPC surprises.
710 reviews
by Wirex Partner54 countries (EEA, UK, LATAM, APAC)
MPC non-custodial Visa card with 0% FX fees, $200/mo free ATM and 50% AI & streaming rebates
1.9k reviews
by Third National Bank85+ countries (Global)
DeFi restaking Visa credit & spend card with 3%–4% cashback and Claude/ChatGPT MCP integration
280 reviews
by RainEU, LATAM, SEA, Africa
Self-custodial stablecoin money app and Visa card earning DeFi yield plus 3%–5% USDC cashback
860 reviews
by Third National Bank150+ countries (Global)
Global Solana-native Visa card with up to 12% cashback and SOL staking yield
860 reviews
by Third National Bank150+ countries (Global)
Global Solana-native Visa card with up to 12% cashback and SOL staking yield
310 reviews
by Private Banking Partner220+ countries and territories (US & Global Private Client focus)
Bitcoin-backed Visa Infinite credit card with segregated BTC cold storage, 0% FX and 1%–5% BTC back
Spend from a wallet you control. Compare non-custodial crypto cards on FX, cashback, chains and country support. We start from the published fee schedule, then normalise top-up and FX fees to basis points so a 0.5% spread is directly comparable across issuers. Cards with unclear fee notes are marked as such rather than assumed to be free.
Filtering is applied before ranking, so a card never appears in a category it does not qualify for. Read the full methodology.
We currently track 31 cards matching this guide, 8 of which charge 0% FX. Counts are generated from the directory dataset and update whenever a card is added or its availability changes.
OKX Card offers 2%–10% cashback, paid in USDG. Staking requirement: None.
The default order sorts by editor score. Switch to table view to sort on raw fees, cashback or limits. Fees and calculator outputs always use the raw numbers.
They remove exchange counterparty risk because funds stay in your wallet until settlement. They do not remove smart-contract risk, key-management risk or issuer risk on the card programme itself. Self-custody is a different risk profile, not zero risk.
Non-custodial programmes cannot earn a float on your balance, so they have less revenue to fund rewards. They also settle on-chain, which adds gas and liquidity costs that custodial issuers avoid.
