Spend Crypto Like Cash: How to Use Bitcoin and Crypto Cards for Everyday Payments?

Spending crypto like cash has evolved to be a reality in 2025. Token holders can now make daily purchases through instant conversion to fiat money at checkout. As more individuals use crypto to pay for things, shops are more likely to accept it for regular purchases. This will alter how people spend their money.

People who utilize Bitcoin, Ethereum, or stablecoins may now pay for things like online shopping, holiday rentals, meals at restaurants, and energy bills. Crypto payment cards from providers like Bitget Wallet have eliminated the traditional barriers between token holdings and real-world spending.

This article provides everything you need to know about transforming your crypto portfolio into a practical payment method. It covers choosing the right crypto card, understanding fees and rewards, and maximizing your digital asset spending potential across various merchants and services.

What Does It Mean to Spend Crypto Like Cash?

Spending crypto like cash makes digital assets useful for everyday transactions. People can come to wiser decisions about how they wish to pay when they know the differences between crypto vs cash.

Crypto vs Cash: Core Differences

Digital currencies and traditional cash operate on different principles that affect user experience and financial control.

Aspect	Crypto	Cash (Fiat)
Control	Decentralized, no single authority; users control their assets and transactions	Centralized, issued and regulated by governments and central banks
Volatility	Highly volatile, with prices changing rapidly	Generally stable due to government backing and regulation
Regulation	Subject to evolving regulations; KYC/AML required for most services	Heavily regulated, with established legal frameworks
Safety	Secured by cryptography and blockchain; risks include hacks, scams, and user error	Physical theft and counterfeiting risks; digital forms protected by banks and insurance
Privacy	Transactions are pseudonymous but recorded on public blockchains	Cash transactions are private and untraceable
Accessibility	Requires digital literacy and internet access; adoption is growing but still limited	Universally accepted and easy to use

What You Need to Get Started?

Understanding how to spend crypto like cash warrants certain tools and knowledge of key steps for smooth digital money trades.

• Crypto Wallet:

  Digital storage for cryptocurrencies like Bitcoin (BTC) and Ethereum (ETH), enabling secure transactions and asset management.

• Supported Cryptocurrency:

  Major coins like Bitcoin, Ethereum, and stablecoins provide the foundation for everyday crypto spending.

Bitget Wallet works well for new users because it handles more than 130 networks and offers solid safety options with simple screens.

KYC verification remains mandatory for crypto payment card access, requiring personal identification and address proof to comply with anti-money laundering regulations.

Top Ways to Use Crypto for Everyday Purchases

Crypto adoption has expanded beyond investment to become practical payment solutions for daily expenses.

1. Pay Bills and Subscriptions with Crypto

Services like BitPay Bill Pay and Coinbase Commerce enable direct crypto payments for mortgages, loans, credit cards, and streaming subscriptions, including Netflix and Spotify. These platforms connect crypto wallets to thousands of billers through simple setup processes.

After completing KYC verification, users can manage all bills from single applications using Bitcoin, Ethereum, and stablecoins. BitPay automatically organizes bills and processes payments directly to providers without requiring traditional bank transfers.

Source: The Cryptonomist

2. Shop Online and Offline with Crypto Cards

Crypto cards let you convert crypto to cash in real time at millions of stores across the globe. They function well with major payment networks like Visa and Mastercard. The best crypto cards for daily spending offer distinct advantages based on user requirements and spending patterns:

• Bitget Wallet Card:

  Features low fees, no yearly charges, and competitive exchange rates, which makes it great for overseas transactions.

• Coinbase Card and Competitors:

  Provide established market presence with varying reward structures and fee arrangements for different user demographics.

These cards integrate with Apple Pay, Google Pay, and PayPal for contactless payments. Many options even give you cash back or cryptocurrency incentives when you use them, which makes you want to use them more often.

Source: Oobit

3. Buy Gift Cards with Crypto

Gift card purchases solve the merchant acceptance gap for stores that don't accept cryptocurrency directly. Platforms like CoinGate, BitPay, and Bitrefill facilitate Bitcoin and Ethereum transactions for hundreds of major brands.

The process involves selecting desired gift cards, paying with preferred cryptocurrencies, and receiving digital codes instantly. This method extends crypto usability to Amazon, Walmart, Steam, Apple, and virtually any major retailer.

Source: PlasBit

4. Peer-to-Peer and Local Merchant Payments

QR code functionality in crypto wallets like Bitget Wallet enables secure peer-to-peer payments and local merchant transactions. Users scan recipient QR codes to auto-fill payment details and reduce transaction errors.

CoinMap and Bitcoin.com directories help locate crypto-accepting businesses in local areas. Look for #BitcoinAccepted signs or QR codes at checkout to identify participating merchants and ATMs.

Source: Shutterstock

Read more: QR Code Payment Trends You Need to Know in 2025

Travel and Dining with Crypto

More and more hotels and entertainment businesses are accepting crypto payments. This implies that tourists not only use crypto to pay for their trips and lodgings, but they can also utilize digital assets to have better dining experiences.

1. Book Hotels and Flights with Crypto

Major travel platforms now facilitate cryptocurrency transactions for comprehensive trip planning and booking services.

• Expedia:

  Purchase Expedia gift cards through Bitrefill using Bitcoin or other cryptocurrencies, then redeem for hotels, flights, car rentals, and vacation packages.

• CheapAir:

  Offers direct settlements for airline tickets with Bitcoin, Bitcoin Cash, and Ethereum via simple QR codes or payment address transactions.

• Travala:

  Crypto-native travel booking platform supporting over 300 cryptocurrencies for hotels, flights, and activities, featuring its own AVA token for enhanced rewards.

Airbnb accommodations become accessible through cryptocurrency via gift card purchases on platforms like Coinsbee. Users buy Airbnb gift cards with Bitcoin and redeem them for worldwide bookings.

Source: Crypto Daily

2. Restaurants, Cinemas, and Live Events

Entertainment venues now take crypto payments through different ways. AMC Theatres leads movie theater use by taking Bitcoin, Ethereum, Dogecoin, and Shiba Inu via BitPay connections for seats and snacks through phone apps.

Bitget Wallet Card improves food and fun times using tap-to-pay features at Mastercard spots around the globe. Apple Pay and Google Pay connections allow touch-free payments at eating places, coffee shops, and movie theaters with quick crypto-to-cash changes and good swap prices.

Source: Bitcoin Magazine

How to Choose the Right Crypto Card?

To choose the best crypto cards for daily spending, you need to look at the many kinds of cards, their security features, and the particular perks that meet your financial demands.

Compare Debit, Credit, and Prepaid Crypto Cards

Different crypto card types serve distinct spending patterns and financial management approaches for cryptocurrency users.  

Card	Type	How It Works	Best For Security & KYC
Debit	Linked directly to crypto wallet; converts crypto to fiat instantly at point of sale	Everyday spending, online and in-store purchases	Requires KYC verification; funds deducted immediately, reducing overspending risk
Credit	Functions like traditional credit card; borrow against credit line, sometimes backed by crypto collateral	Users wanting to leverage credit and earn rewards	KYC mandatory; additional risk assessment and collateral required
Prepaid	Load set amount of crypto converted to fiat; spend only what's loaded	Budget-conscious users, gifting, travel	KYC required; limited exposure as only preloaded funds at risk

Read more: Best 10 Crypto Cards for 2025: A Complete Guide

Bitget Wallet Card: Benefits & Features

Bitget Wallet Card combines competitive pricing, robust rewards, and seamless payment integration for enhanced user experience.

• Legally Issued:

  Available as Mastercard in EU and Visa in Asia, ensuring global acceptance at over 100 million merchants worldwide.

• Low Fees & Rewards:

  Features 1.7% comprehensive transaction fee, $5 USDC KYC bonus instantly, and up to 8% APY on stablecoins.

• Mobile Integration:

  Supports Apple Pay, Google Pay, and PayPal for contactless payments with cashback rewards and multi-chain cryptocurrency support.
  
  

FAQs about Spend Crypto Like Cash

1. How do crypto cards let you spend Bitcoin and other cryptocurrencies like cash?

Crypto cards from Bitget, Coinbase, and Crypto.com enable you to spend crypto like cash at any Visa or Mastercard merchant through instant crypto-to-fiat conversion at current market rates.

2. What are the differences between crypto vs cash for everyday spending?

Crypto vs cash differences include decentralized control versus government-issued currency, price volatility versus stability, KYC requirements versus universal acceptance, and pseudonymous versus private transactions.

3. How to spend crypto like cash for everyday purchases and where can I use it?

You can use crypto for everyday purchases at millions of merchants worldwide accepting Visa or Mastercard. In other words, using crypto cards to buy groceries, eat out, book vacation, and get cash from ATMs without any problems is a reality now.

4. What are the best crypto cards for daily spending and their fees?

Best crypto cards for daily spending typically charge 1.7-2.5% transaction fees but offer attractive cashback rewards up to 5%, crypto bonuses, and perks like free ATM withdrawals.

Conclusion

Spending crypto like cash has never been simpler. This evolution makes it easy for people who own tokens to pay for shopping, transport, utility bills, and other everyday costs using new payment methods.

Crypto cards provide the most practical bridge between digital assets and traditional commerce, especially valuable for global users seeking borderless transactions.

Download Bitget Wallet and apply for the Bitget Wallet Card to unlock comprehensive Web3 functionality that supports 100+ public chains. This multi-chain platform serves over 60 million users across 168+ countries, offering lower fees, competitive cashback rewards, and straightforward setup processes.

Download Bitget Wallet

 

Risk Disclosure

Please be aware that cryptocurrency trading involves high market risk. Bitget Wallet is not responsible for any trading losses incurred. Always perform your own research and trade responsibly.