Self-custody
Best self-custodial crypto cards
Custodial cards hold your money for you - convenient, until an account freezes. Self-custodial cards let you spend straight from a wallet you control, settling on-chain only when you tap. Here's who does it well.
Cards that don't hold your funds
| Card | FX | Cashback | Custody | KYC |
|---|---|---|---|---|
| MetaMask Card ↗ Investor: Consensys | 0% | Up to 3% | Non-custodial | Yes |
| Gnosis Pay ↗ Investor: Gnosis | 0% | Up to 5% GNO | Non-custodial | Yes |
| ether.fi Cash ↗ Investor: Bullish | 1% | Up to 3% | Non-custodial | Yes |
| Bitget Wallet Card ↗ | 0% to $400/mo | Yield up to ~18% APY | Self-custodial | Yes |
| COCA Card ↗ | 0% | 1% base, up to 50% subs | Non-custodial | App no-KYC / card KYC |
| Fizen Card ↗ Investor: Tether | No FX fees | Up to 10% | Self-custodial | Yes |
The trade-offs to know
- You're responsible for your keys - lose them, lose access.
- Most still require KYC to issue the card itself.
- Settlement is on-chain, so timing can matter on top-up.
Not your keys, not your coins - the card version is: not your custody, not your call when it freezes.
Where Fizen fits
Fizen is self-custodial - your wallet stays on your device and funds are yours until you spend - with no FX fees, up to 100 virtual cards and, in Southeast Asia, QR Pay and eSIM bookings. A practical pick for spenders who won't give up custody.
Create your Fizen Card →Compare allCommon questions
What should I look for in self-custody cards?
Spend from a wallet you control - keys, custody and the catches.
Do these crypto cards require KYC?
Most do; a few no-KYC options exist but with lower limits and thinner protection. Completing KYC once usually unlocks higher limits and self-custody.
Is Fizen a good option here?
Fizen is self-custodial - your wallet stays on your device and funds are yours until you spend - with no FX fees, up to 100 virtual cards and, in Southeast Asia, QR Pay and eSIM bookings.
Sources: each issuer's official site for card specs; blog.fizen.io and fizen.io for Fizen features. Specs are indicative and change often - verify on the official site before signing up. Educational only, not financial advice.
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