这篇文章将涵盖周围最受欢迎的主动比特币借记卡，这意味着可以加载比特币的借记卡。

一些加密怀疑论者的担忧之一是，实际使用您的比特币来购买东西是太难了。值得庆幸的是，比特币借记卡存在，并轻松允许人们使用比特币支付日常交易。

One of the concerns for some crypto skeptics is that it is too hard to actually use your Bitcoin to purchase things. However, this isn’t really an issue.

一些加密怀疑论者的担忧之一是，实际使用您的比特币来购买东西是太难了。但是，这并不是真正的问题。

Crypto debit cards exist and easily allow people to use their Bitcoin to pay for everyday transactions.

存在加密借记卡，并轻松允许人们使用比特币支付日常交易。

What Are Bitcoin Debit Cards?

什么是比特币借记卡？

Bitcoin debit cards are cards that you can use to pay for your regular transactions using your Bitcoin balance. They can be used at any store or website that accepts regular debit bank cards. There are often fees that apply and can vary depending on the card, but it may be worth it for the convenience of more easily spending your crypto balance in the real world.

比特币借记卡是您可以使用比特币余额来支付常规交易的卡。它们可以在接受常规借记银行卡的任何商店或网站上使用。通常会收取费用，并且可能会根据卡而有所不同，但是对于更轻松地将您的加密货币平衡在现实世界中花费的便利可能是值得的。

Over the last few years, Visa and Mastercard have made a big push to engage with cryptocurrency companies offering cryptocurrency cards for various exchanges and vendors.

在过去的几年中，Visa和Mastercard竭尽全力与为各种交易所和供应商提供加密货币卡的加密货币公司互动。

If you’re an EU resident, you’re probably best off using the Coinbase Card, a Visa card that can be ordered from within the Coinbase mobile app. If you’re an EU resident, but Coinbase doesn’t support your country, you can try Wirex as a great alternative. For US residents, we’d recommend either the Coinbase Card or the BitPay card (which has been in the US for a little longer).

如果您是欧盟居民，最好使用Coinbase卡，这是可以从Coinbase移动应用程序中订购的签证卡。如果您是欧盟居民，但Coinbase不支持您的国家，则可以尝试Wirex作为一个很好的选择。对于美国居民，我们建议使用Coinbase卡或Bitpay卡（在美国已经使用了更长的时间）。

How Do Crypto Debit Cards Work?

加密借记卡如何工作？

Crypto debit cards function similarly to traditional debit cards but are linked to a user’s cryptocurrency wallet instead of a bank account. When making a purchase, the card provider (such as Coinbase, Crypto.com, or Wirex) converts the user’s crypto holdings into fiat currency (e.g., USD, EUR) in real-time, allowing the transaction to be processed seamlessly at any merchant that accepts Visa or Mastercard. Some cards also offer cashback rewards in Bitcoin or other cryptocurrencies, making them an attractive option for crypto enthusiasts who want to use their digital assets for everyday spending.

加密借记卡的功能与传统借记卡相似，但与用户的加密货币钱包而不是银行帐户链接。进行购买时，纸牌提供商（例如Coinbase，crypto.com或wirex）将用户的加密货币实时转换为法定货币（例如，USD，EUR），允许在任何接受Visa或MasterCard的商人中无缝处理交易。有些卡还提供比特币或其他加密货币的现金返还奖励，使其成为想要将其数字资产用于日常支出的加密爱好者来说是一个有吸引力的选择。

If you’re asking yourself, “are crypto debit cards safe?”, the answer is yes.

如果您问自己：“加密借记卡安全吗？”，答案是肯定的。

Crypto debit cards are generally secure as long as users follow proper security measures, such as enabling two-factor authentication (2FA) and keeping their private keys safe. Since most reputable providers issue cards in partnership with established payment networks like Visa and Mastercard, users benefit from their extensive fraud protection and global acceptance. Both Visa debit card and Mastercard debit card options for crypto users provide widespread acceptance, allowing seamless transactions at millions of merchants worldwide. These payment giants have increasingly embraced digital assets, partnering with crypto platforms to offer secure and user-friendly solutions for spending Bitcoin and other cryptocurrencies in everyday life.

只要用户遵循适当的安全措施，例如启用两因素身份验证（2FA）并确保其私钥安全，通常会安全。由于大多数信誉良好的提供商与已建立的付款网络（如Visa和MasterCard）合作发行卡片，因此用户从广泛的欺诈保护和全球接受中受益。加密用户的Visa借记卡和万事达卡借记卡选项都可以广泛接受，从而允许全球数百万人的无缝交易。这些付款巨头越来越拥抱数字资产，与加密平台合作，为在日常生活中花费比特币和其他加密货币提供安全和用户友好的解决方案。

However, users should be aware of potential fees, regulatory changes, and the volatility of crypto prices, which could impact the value of their funds when making transactions.

但是，用户应了解潜在的费用，监管变化以及加密价格的波动，这可能会影响交易时资金的价值。

Does Bitcoin Have a Debit Card?

比特币有借记卡吗？

No, it doesn't. Any single centralized party doesn’t control Bitcoin, so it can’t issue its own debit card. However, you can get a third-party prepaid debit card that you can load with Bitcoin and then use to buy almost anything.

不，不是。任何单一的集中派对都不能控制比特币，因此无法发行自己的借记卡。但是，您可以获得可以加载比特币的第三方预付借记卡，然后用来购买任何东西。

While many businesses don’t accept payments in Bitcoin (yet), most accept debit cards. With a Bitcoin debit card, merchants get paid in their own currency while you are charged in Bitcoin from your prepaid balance.

尽管许多企业尚未接受比特币的付款，但大多数企业都接受借记卡。使用比特币借记卡，商人从预付余额中收取比特币时会以自己的货币付款。

Keep in mind there are downsides. Firstly, when using a Bitcoin debit card, you’re basically giving someone else control over your coins (at least the ones you’ve deposited).

请记住有缺点。首先，当使用比特币借记卡时，您基本上会给其他人控制硬币（至少您存放的硬币）。

Secondly, this service usually comes with a price. Every payment you make will often involve processing and conversion fees for paying with a foreign currency.

其次，这项服务通常带有价格。您进行的每笔付款通常都涉及使用外币支付的处理和转换费。

Best Bitcoin Debit Cards

最好的比特币借记卡

Despite many crypto debit card issuers having their services suspended in 2018 by Visa, the payments sector has become more crypto-friendly again since then. Both Visa and Mastercard have now started initiatives to work with crypto companies, allowing more firms to issue their own crypto-funded debit cards.

尽管有许多加密借记卡发行人的服务在2018年被Visa暂停，但自那时以来，付款部门再次变得更加友好。 Visa和MasterCard现在已经开始与加密公司合作的计划，使更多公司可以发行自己的加密货币资助卡。

Here’s a look at some of the best Bitcoin debit cards available today:

这是当今可用的一些最好的比特币借记卡：

Coinbase Bitcoin Debit Card

Coinbase比特币借记卡

Pros: Multiple coins supported, established company, widely available

优点：多枚硬币支持，成立的公司，广泛可用

Cons: High chargeback fees

缺点：高收款费用

This is our top option for most people, as this is the easiest and most convenient card to use, despite its higher than average chargeback fees. Moving past the fees, we believe the Coinbase debit card is the best Bitcoin debit card available today.

对于大多数人来说，这是我们的最佳选择，因为这是最简单，最方便的卡，尽管其高于平均水平的费用高。超越费用，我们认为Coinbase借记卡是今天可用的最好的比特币借记卡。

Coinbase, one of the leading Bitcoin exchanges around, issues its own Visa debit card for the UK, broader Europe, and the US.

Coinbase是周围领先的比特币交易所之一，它为英国，更广泛的欧洲和美国发行了自己的签证借记卡。

The card is linked to your Coinbase account and allows you to easily spend crypto held on Coinbase anywhere that accepts Visa payments.

该卡链接到您的Coinbase帐户，并允许您轻松地花费在接受签证付款的任何地方的Coinbase上。

Choosing which cryptocurrency you’re spending can be managed through the Coinbase app, which is available both on Android and iOS. The card also offers multiple security features, such as two-factor authentication, instant freeze, and more.

选择您支出的加密货币可以通过Coinbase应用程序进行管理，Coinbase应用程序既可以在Android和iOS上使用）进行管理。该卡还提供了多个安全功能，例如两因素身份验证，即时冻结等等。

Coinbase claims to charge no transaction fees to cardholders from the US. However, there is a spread that applies each crypto-to-fiat conversion behind the scenes – this is variable and could be

Coinbase声称不向美国的持卡人收取任何交易费用。但是，有一个差异应用于幕后的每个加密转换 - 这是可变的，可以是