The coin you pay with decides your fees as much as the card itself. Choose your cryptocurrency below to see networks, costs and the best platforms for it.
The original — use Lightning for cheap small cards.
Open →Stable price, cents in fees on TRON.
Open →Widely accepted; use Layer-2 to cut gas.
Open →Fast and cheap — a top everyday pick.
Open →Low fees on BNB Smart Chain.
Open →Tiny fees, fast, surprisingly practical.
Open →Near-instant settlement, fractions of a cent.
Open →Ultra-low fees and fast confirmations.
Open →Here's the lesson most shoppers learn the expensive way: the gift card's service fee is usually small and fixed, but the network fee — the cost to move your crypto — swings wildly depending on which coin and chain you use. On a small card, that network fee can be the biggest line item. Pick the right coin and a $20 card costs you about $20; pick the wrong one during network congestion and you might add several dollars for nothing.
As a rule of thumb, stablecoins on low-fee networks (USDT/USDC on TRON), Litecoin, XRP, Solana, Dogecoin, and Bitcoin over the Lightning Network all keep network costs to cents or fractions of a cent. On-chain Bitcoin and Ethereum mainnet can be far more expensive when the network is busy — fine for a large purchase, wasteful for a small one. Each page below breaks down the specifics for that coin.
If you want predictable pricing, pay with a stablecoin like USDT. If you want the cheapest possible small-card purchase, Litecoin, XRP or Bitcoin Lightning are excellent. If you already hold a specific asset — ETH, BNB, DOGE or SOL — you can usually spend it directly without swapping first, especially on a broad platform like Coinsbee. Whatever you choose, the workflow is the same: get the coin on a licensed exchange, then spend it on a gift-card platform.
| Coin | Network fee | Price stability | Best for |
|---|---|---|---|
| USDT (TRON) | Cents | Stable | Predictable everyday buys |
| Litecoin | A few cents | Volatile | Simple, low-fuss spending |
| XRP | Fraction of a cent | Volatile | Speed and minimal fees |
| Solana | Fraction of a cent | Volatile | Fast, ultra-cheap transfers |
| Dogecoin | Low | Volatile | Spending idle DOGE balances |
| BNB (BSC) | Low | Volatile | BNB holders, no swap needed |
| Bitcoin (Lightning) | Sub-cent | Volatile | Universal acceptance, small cards |
| Ethereum (L2) | Low on L2 | Volatile | ETH holders; avoid mainnet on small cards |
The pattern is clear: stablecoins win on predictability, while Litecoin, XRP, Solana and Lightning win on rock-bottom fees. The coins to be careful with are on-chain Bitcoin and Ethereum mainnet, where fees can spike — perfectly fine for big purchases, but easy to overpay on small ones. When in doubt, USDT on a low-fee network is the safe, boring, money-saving default.
No matter which coin you pick, the path is identical. Buy or hold the crypto in a wallet you control, choose a gift-card platform that accepts it, select the brand and correct region, then pay — confirming the live quote and network fee before you send. Codes arrive by email in seconds to minutes. For the complete walkthrough see our buying guide, and to understand every cost involved, read fees explained.
If you're starting from scratch, the cleanest route is to buy your chosen coin on a licensed exchange and withdraw it on a low-fee network. We point newcomers to CEX.IO because it's openly regulated — FinCEN-registered and Gibraltar-licensed — so your on-ramp is documented and clean. From there you can either spend directly or, if you hold a volatile coin and want price certainty, convert a portion to USDT before you shop. Either way, you're only ever a couple of steps from turning crypto into a usable gift card.
Buy Bitcoin, USDT, ETH or another coin on a FinCEN-registered, Gibraltar-licensed exchange, then spend it on gift cards. New users can claim the current CEX.IO welcome bonus.
Usually not on-chain Bitcoin. Stablecoins on low-fee networks (USDT on TRON), Litecoin, XRP, Solana, Dogecoin and Bitcoin over Lightning all have very low network fees, which matters most on small cards.
No — each platform supports its own list. Bitrefill leans into Bitcoin/Lightning and majors; Coinsbee accepts 200+ coins including many altcoins. Check the platform's supported coins before you buy.
The card value is fixed in fiat; the coin affects your total cost via network fees and any exchange-rate spread. A cheaper, predictable coin keeps your all-in cost closest to face value.
If you hold an expensive-to-move asset and only need a small card, swapping to USDT or Litecoin can be worth it. For large cards, the network fee matters less, so paying with what you hold is fine.