Best Stellar card (2026)
A Stellar card lets you spend Stellar at shops that take Visa or Mastercard. The card converts the Stellar at checkout and the merchant receives regular money.
Verified September 28, 2026
Quick answer
Bitpanda is the best-rated card that spends Stellar. We found 4 cards whose issuers list Stellar as a spending or top-up asset.
- Lowest conversion fee: KAST, 0%
Crypto cards that spend Stellar
These 4 cards accept Stellar as a funding or spending asset, ranked by our overall rating of reach, yearly cost and safety.
- 54Rating
- 48Rating
- 35Rating
- 33Rating
How spending Stellar with a card works
- Each payment is a sale of Stellar, so it can create a taxable gain or loss.
- Stellar moves in price, so the same balance can buy more or less from week to week.
What to check before you pick a Stellar card
- The conversion fee on the coin you hold, which is often higher than the fee on stablecoins.
- Which network the card accepts for deposits, since the wrong network can cost fees or lose the transfer.
- Whether the card holds your balance or spends from your own wallet.
- Whether the card is offered where you live, which the issuer confirms at sign-up.
Spending a coin counts as selling it in most countries. Our crypto card tax guide explains how that works.
Every card on this page verifies your identity. Our no-KYC card review covers why anonymous cards rarely last.
The card finder filters every card by country, fees and features.
Frequently asked questions
What is the best Stellar card?
Bitpanda is the best-rated card that spends Stellar in our ranking, followed by Nexo and Uphold. The best one for you depends on where you live and how much you spend.
Which crypto cards accept Stellar?
4 cards we track accept Stellar, including Bitpanda, Nexo, Uphold and KAST.
Is there a Stellar credit card?
We found no card that pays its rewards in Stellar. Cards that spend Stellar are debit or prepaid cards that sell the coin when you pay.
Does a Stellar card sell my Stellar when I pay?
Yes. Card networks settle in regular currency, so the card sells Stellar at the moment you pay, at that moment's price.
Is spending Stellar with a card taxable?
In most countries, yes. Each card payment is a sale of Stellar, so a gain or loss since you bought it may need to be reported.