14 Crypto Cards Available for Armenia

Barev. 😉

If you're from Armenia, here are 14 crypto cards that will accept your registration.

KAST offers an incredibly generous cashback program. Plus, you get a virtual and physical card, unlimited spending, and 0% crypto conversion fees.
$ USD Apple Pay up to 5%
Non-custodial crypto debit card offering up to 3% cashback, 0% crypto-to-fiat fees, Apple Pay support, and a $50k daily spending limit.
$ USD Apple Pay up to 3%
A top virtual crypto card with a $50K daily limit, Apple Pay support, and low fees. No physical card yet, but it starts with 5% cashback.
$ USD Apple Pay up to 5%
Enjoy 0% foreign exchange fees, up to 6% cashback, and Apple Pay support, but note the physical card delivery is still rolling out.
$ USD Apple Pay up to 6%
Crypto debit card with 1% BTC cashback and low ~0.1% conversion fees, but a $1,000 yearly membership fee and no Apple Pay.
$ USD No Apple Pay up to 1%
No monthly fee, $1M daily spend limit and Apple Pay support, but no cashback and average customer support.
$ USD Apple Pay
Enjoy 0% FX fees, 1:1 USDC conversion, and Apple Pay support, but note there’s no cashback and it’s only available as a virtual card.
$ USD Apple Pay
Enjoy unlimited spending, Apple Pay support, and no KYC requirements, but note there’s no physical card and fees are higher than most competitors.
$ USD Apple Pay
Your V-Card: Available in 170+ countries, but it has high crypto-to-EUR fees, no cashback, and requires a 75 EUR fee for the physical card.
EUR Apple Pay
High $3,000 ATM withdrawal allowance and Apple Pay Enabled, but no cashback and only supports USDT.
$ USD Apple Pay
Virtual-only crypto card with zero monthly fees, but with high foreign exchange fees and no Apple Pay support.
$ USD No Apple Pay
A virtual crypto card with prompt support, no Apple Pay, and a 1 EUR monthly fee. Perfect for Europeans for easy online transactions.
EUR No Apple Pay
Enjoy 0% crypto conversion fees, Apple Pay support, and instant setup with no personal details required, but note there’s no cashback and no physical card available.
$ USD Apple Pay
Supports almost every country, offers IBAN in your name, but lacks Apple Pay and charges high monthly fees.
EUR No Apple Pay

How Much Is the Foreign Exchange Fee to Use These Cards in Armenia?

Since these cards are denominated in USD or EUR, every time you spend in Armenia, your payment needs to be converted into Armenian Dram first. Your card will charge an FX fee when converting to AMD.

Here's how they compare when it comes to foreign exchange (FX) fees.

Card FX Fee
0% 0.00 ֏ (0% Card Fx) 35.00 ֏ (1% Visa Fx) You'll pay: 3,535 ֏
1% 35.00 ֏ (1% Card Fx) 35.00 ֏ (1% Visa Fx) You'll pay: 3,570 ֏
1.2% 42.00 ֏ (1.2% Card Fx) 35.00 ֏ (1% Visa Fx) You'll pay: 3,577 ֏
1.75% 61.25 ֏ (1.75% Card Fx) 35.00 ֏ (1% Visa Fx) You'll pay: 3,596 ֏
2% 70.00 ֏ (2% Card Fx) 35.00 ֏ (1% MC Fx) You'll pay: 3,605 ֏
2.5% 87.50 ֏ (2.5% Card Fx) 35.00 ֏ (1% Visa Fx) You'll pay: 3,623 ֏
7.26% 254 ֏ (2% + $0.5 Card Fx) 35.00 ֏ (1% Visa Fx) You'll pay: 3,789 ֏

* Visa and Mastercard charge around ~1% on top of the card's FX fee.

Example: Kolo charges 1% foreign exchange fee. On a 3,500 Drams purchase, you pay 3,500 ֏ + 35 ֏ foreign exchange fee + 35 ֏ Visa foreign exchange fee = 3,570 ֏.

When a payment terminal asks, choose the local currency, Drams. This lets your crypto card handle the exchange rate, so you can be sure of the exact percentage you will pay. If you choose USD, the local POS terminal bank does the conversion instead, often at a worse rate. In some countries, that markup can reach 8%.

Paulina is a real person who has personally signed up for and ordered 100+ crypto cards. She runs Cryptonoshi.com, where she reviews and compares crypto cards using data-driven benchmarks across the cards - analyzing fees, limits, rewards, and other key metrics. She also advises crypto companies on affiliate programs, marketing, and user acquisition. In her spare time, she is building a crypto trading bot for short-timeframe trading.

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Paulina Masson

FOR ARMENIA READERS

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