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Best XRP card (2026)

An XRP card lets you spend XRP at shops that take Visa or Mastercard. The card sells the XRP at checkout, and the XRP Ledger settles deposits in a few seconds.

Verified September 29, 2026

Quick answer

RedotPay is the best-rated card that spends XRP. We found 9 cards whose issuers list XRP as a spending or top-up asset.

  • Lowest conversion fee: KAST, 0%
  • Earn XRP back instead: Gemini Card

Crypto cards that spend XRP

These 9 cards accept XRP as a funding or spending asset, ranked by our overall rating of reach, yearly cost and safety.

  1. RedotPay Card (Global)

    Visa · Custodial · Full KYC · Virtual and Physical

    Conversion 1%

    68Rating

  2. Bitpanda Card

    Visa · Custodial · Full KYC · Physical

    Conversion Not disclosed

    54Rating

  3. Binance Card

    Mastercard · Custodial · Full KYC · Virtual and Physical

    Conversion 0.9%

    51Rating

  4. Nexo Card

    Mastercard · Custodial · Full KYC · Virtual and Physical

    Conversion Not disclosed

    48Rating

  5. Ledger CL Card (Europe)

    Visa · Custodial · Full KYC · Virtual and Physical

    Conversion 2% · Networks: Bitcoin, Ethereum, Solana

    43Rating

  6. Bybit Card (Asia Pacific)

    Mastercard · Custodial · Full KYC · Virtual and Physical

    Conversion 0.9%

    37Rating

  7. Uphold Debit Card

    Visa · Custodial · Full KYC · Virtual and Physical

    Conversion Not disclosed

    35Rating

  8. KAST Card

    Visa · Custodial · Full KYC · Virtual and Physical

    Conversion 0%

    33Rating

  9. WhiteBIT Nova USD Card

    Visa · Custodial · Full KYC · Virtual

    Conversion Not disclosed

    –Not rated

Cards that pay rewards in XRP

These cards work the other way round. You pay in your own currency and get XRP back, so nothing is sold when you pay.

How spending XRP with a card works

  • Deposits to an exchange or card account often need a destination tag. Sending XRP without it can leave the transfer stuck until support finds it.
  • Few cards spend XRP directly. More cards pay rewards in XRP, which suits people who want to build a position without selling.
  • Each payment is a sale of XRP, so it can create a taxable gain or loss.

What to check before you pick a XRP 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.

Compare RedotPay vs Bitpanda

Frequently asked questions

What is the best XRP card?
RedotPay is the best-rated card that spends XRP in our ranking, followed by Bitpanda and Binance Card. The best one for you depends on where you live and how much you spend.
Which crypto cards accept XRP?
9 cards we track accept XRP, including RedotPay, Bitpanda, Binance Card, Nexo, CL Card and Bybit Card.
Is there a XRP credit card?
Yes, in the sense that some cards pay rewards in XRP: Gemini Card and Uphold. You spend your own currency and earn XRP back.
Does a XRP card sell my XRP when I pay?
Yes. Card networks settle in regular currency, so the card sells XRP at the moment you pay, at that moment's price.
Is spending XRP with a card taxable?
In most countries, yes. Each card payment is a sale of XRP, so a gain or loss since you bought it may need to be reported.

Cards for other coins