Prepaid Visa Cards Funded With Crypto: How to Load, Spend,…
By Damilola Esebame
AI summary of the source article
Crypto-funded Visa cards allow users to spend digital assets, including Bitcoin, Ethereum, and stablecoins like USDC, across Visa's network of over 150 million merchant locations. Providers utilize different conversion mechanisms, converting assets either at loading or directly at the point of sale into local fiat currency. Current market options include tiered reward programs from Crypto.com and Coinbase, alongside a Bridge-Visa partnership that expanded stablecoin-funded cards into 18 markets as of March 2026, with plans to reach over 100 countries. Users face transaction conversion fees between 1% and 3%, top-up limits, and mandatory US capital gains tax reporting for every point-of-sale conversion.
Why it matters
These card programs expand everyday utility for digital assets by leveraging Visa's global rails, while keeping merchant settlement entirely in fiat. However, point-of-sale conversions create significant tax reporting obligations for US consumers.
Key facts
- Visa partnered with Bridge in 2025 to roll out stablecoin cards, live in 18 markets as of March 2026 and targeting over 100 countries by year-end 2026.
- Crypto.com offers card rewards up to 8% on its Prime tier with a EUR 25,000 monthly top-up limit, while Coinbase Card offers up to 4% back.
- The US Internal Revenue Service classifies each crypto card point-of-sale conversion as a taxable event requiring capital gains calculations.