Card Alternatives (2023) Card Alternatives In Europe (2024)

After I wrote about how my experience with went in decline last year (nasty fees and removing perks), I got asked to do some research and find the best card alternatives that work in Europe. In this post, we summarize some of the options available out there. What all those have in common is that, luckily, it doesn’t take two months until your card is delivered, ha!

Ongoing Offers:

  • Nexo: Get 75 USDC if you fund your Nexo account before September 30th.
  • Plutus: Get €10 after your first €20 deposit and free Spotify or Netflix.
Nexo Card (2023)
Nexo Card

Pros: great wallet app, rewards if you stake NEXO, Nexo Pro trading

Cons: Get bonus once you deposit €100

Plutus Card (2023)
Plutus Card

Pros: get free perks (Netflix, Spotify), up to 8% rewards, €10 welcome bonus

Cons: slow transactions, DEX paused until June

Coinbase Card (2023)

Pros: easy to connect to a Coinbase wallet, quick delivery, refer friends

No rewards or cashback

Why Ditch The Card?

I had a great time initially as an early user of the Visa card. I shared my experience here. However, those days are long gone, and there are plenty of reasons why that card is not worth it anymore. These are my ones:

  • No more perks. The new cards stopped reimbursing Spotify and Netflix, even if you met the CRO staking requirements.
  • Top-up fees. They increased the fees to top-up your card from both credit cards and fiat.
  • High foreign transaction fees. They increased the foreign transaction fees outside Europe.
  • CRO is losing value: The CRO token is performing poorly, and most of the visa cards are linked to CRO.
  • High staking requirements: To get almost any benefit, you must stake large amounts of CRO (more than €400).
  • Delivery times: I waited for ten weeks until my card was delivered! Plutus, for example, delivers the card in 5 working days.
  • Customer service: It takes forever to get in touch with them and resolve any issue.
  • Benefits. Over the last 18 months, they increasingly cut down perks and benefits.

What are the best Card Alternatives?

1. Nexo

The Nexo card gives you 2% cashback in NEXO tokens or 0.5% in Bitcoin. Works with Apple Pay, and you can even open a credit line against your collateral at a 0% interest.

Nexo Card (2023)
Nexo Debit Card

Who’s this card for?

Users with a Nexo wallet, or that like to stake crypto as a saving/investment. Nexo is one of the most profitable platforms today, with access to credit lines and a solid debit card.


  • Earn up to 2% in NEXO or up to 0.5% in BTC
  • Credit line rates starting from 0% APR
  • No minimum monthly repayments
  • Apple & Google Pay integration
  • Accepted by over 90 million merchants across the globe.
  • Save on foreign transaction fees for up to €20,000 per month.
  • Get up to 10 free ATM withdrawals every month.


  • No free benefits such as Spotify, Netflix, etc. You really need to spend with the card to get a benefit.
  • Credit line is against your crypto assets as collateral. You need to have crypto to be able to ask for credit.
  • Funky app

2. Plutus

The Plutus card offers similar perks to the visa card. You can get free Spotify, Netflix, or other subscriptions (up to 1). You can also get 3% cashback on your purchases. It’s a no-brainer, as you can get up to €17 back per month FOR FREE, just by using the card. In addition, you get €10 for each friend you refer to Plutus.

Plutus Card (2023)
Plutus card

Who’s this card for?

Those who want a simple solution to getting free Spotify or Netflix, and low risk tied to their crypto assets.


  • The FREE version can give you up to €17 back per month just by using the card
  • One free perk per month (Spotify, Netflix, Apple One, Curve, Amazon Prime, and 15+ more).
  • Subscriptions that give you even more Plutus Perks! Up to 3 Perks for €14.99 (worth €30)
  • Stake PLU to get even more perks and better cashback (up to 8 Perks and 8% cashback)
  • Non-custodial wallet
  • Referral program: refer your friends and get €10


  • Slow transactions
  • Plutus DEX is paused until June because of major reworks. To exchange PLU, you need to use an external wallet like Metamask.
  • Staking options are expensive (the minimum to stake today is €1900)
  • Not valid outside the EU and UK
  • Rewards are only in PLU (no Bitcoin or ETH)
  • No native Apple Pay (but you can use Curve to enable it)

4. Coinbase

Coinbase offers a Visa debit card that can be linked to a Coinbase account. It allows you to spend your cryptocurrency balances like traditional fiat currency. Coinbase is one of the pioneers in the wallet front and has support from well-known entities.

Try Coinbase My portfolio
Coinbase Card (2023)
Coinbase card

Who’s this card for?

People that already have a Coinbase account or use Coinbase as their main wallet.


  • Instant transactions and payments.
  • Track your spending through the app.
  • Easily choose which crypto you spend.
  • World-class security to keep your crypto safe.
  • Worldwide acceptance.
  • No annual fee.
  • Invite friends to get €10.


  • No rewards, cashback, or loyalty program.
  • No perks.

Wrap up

I hope this post is useful and promise to keep it regularly updated with the most updated info.

If you have any further questions or wish to brainstorm or chat, feel free to reach out to me anytime on Instagram!


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