Bitcoin Forum

I remember hearing something about a bitcoin credit card. Like, one that you pay for everything with fiat on credit, and then you pay off your bill in bitcoin. So you never have to hold fiat if you don't want to.

What's the best/most reliable credit card that does this?

Well, those are debit cards. I want a credit card.

What specific country do you live. Maybe you should try coins.ph because they offer a virtual card that almost same to credit card that allows you to pay your bills using your bitcoin, But this only applicable on asian countries. ;)

I can see problems with this. Bitcoin is unregulated and therefore there could be issues when someone refuses to pay his bill.

Sorry for my mistake.
But, I'm afraid bitcoin credit card is not available, it's clear that for the legal bank to approve the application of credit card issuance is kinda strictly selective and as the problem have been mentioned by Emoclaw which possibly occur and there's no way a company could handle this and the company (if do exists) will seem to set requirement as strict as bank. But well, let's hope some guys come up with this information.

This is an absolutely ridiculous idea. Bitcoins represent a solution to everything that is wrong with credit cards. Why would you do that? It's a downgrade.

Also, those function more like debit cards. A Bitcoin "credit card" is not really a thing because credit cards need a centralized bank to run transactions, and Bitcoin is decentralized. You can buy gift cards or preloaded credit cards using Bitcoin, but there's no way for you to have a legitimate "Credit card", as that implies you have to pay the amount you spend in a bill to a collection agency. Your question is badly worded.


This is really confusing. What do you mean by this? You pay with fiat and then pay again with Bitcoin?

Long back​one of the signature campaign provided its users with free bitcoin cards on registration. It is same as the debit card that we use with limited access to stores. I haven't come across any credit card issued with bitcoin as the value stored. Possibly in future we may get the service when banks directly starts accepting bitcoin.

I am currently using Uquid's virtual credit card service and I don't have issues with it. One can top up the credit card with bitcoin and spend the amount in fiat currencies. I was concerned about acceptability on the social media sites for advertisements but it worked fine. They charge $1 flat monthly charges and it is reasonable in my opinion.

I am curious how this works? Do they charge you interest on the outstanding amount and how much is this per month? Is this linked to any of the bigger Credit card companies, like VISA or MasterCard? Do you pay in bitcoin or in Fiat? The business model must be very strong to survive Bitcoin volatility or are this being pushed onto the consumers?

In a months time, 1 bitcoin's price can rise or drop with a significant amount.  ???

It would be cool if there was a company that could support AMEX style BTC privilege card. I wouldn't mind to pay the fees to be able to flash it out!

OP want credit card not debit card like uquid provides. And i don't think there is any service out there that deliver credit cards where you can settle your credit card loan with bitcoin. Don't have idea why OP is asking about this, anyone can exchange their btc to fiat and pay those bills in fiat.

I have not seen a bitcoin credit card yet. It would be amazing if there is a such service but I don't think it would be practical as for credit card the company usually need some proof of source of income, but with bitcoin it's not easy to give that.

I'd say either Wirex or Xapo.

Maybe Coinsbank, but I have never used them myself so I can't really comment on their quality of their product or anything like that. I've only touched Xapo which has worked for me every time if you are willing to provide some ID, and Wirex is one of the oldest anonymous CC providers around, you don't even need to submit your ID.

They were called e-coin before they rebranded.

If you want to pay your bills, look onto localbitcoins. In my country there are always offers to pay your bills for bitcoin on there, and for a pretty good price as well.

Yes, I don't think bitcoin credit cards exist. It would be too risky for the provider/payment system because of the bitcoin's volatility, and there will be no anonimity as the provider will have to know you very well to be sure that you'll pay back.

Dude, I think you're confusing debit and credit cards.

I think you understood wrong about XAPO because they never allow you to spend first and then you can pay them instead you need to load bitcoins first and then you can use their debit cards for purchases or you can even withdraw fiat currency from ATMs. But remember each and every transaction using these cards will have some fee and sometimes it may be quite high you're doing a small amount transactions. I use this card for urgent cash withdrawal from ATM's but never purchased anything online yet, and you can also use this card to your PayPal account.

Bill repayments done in bitcoin... Well not anything that I'm aware of, every single service I know requires you to prepay.


I wouldn't say that Xapo is the best way to get your coins into a prepaid debit card... What you said about ID, people are usually reluctant to provide their ID in the bitcoin sphere because that's what bitcoin is designed against in the first place. With localbitcoins you have a high risk of getting charged back.

The fees for using Bitcoin debit cards are pretty hideous usually.
I have an unactivated Bit-X one lying around somewhere, I might use it some time, but there are fees for activating, and everytime it is used, or if it isn't used!

I don't know how exactly a Bitcoin credit card would work. You want to amass debt, then pay it off with Bitcoin?  Apart from the fact that that seems to be against the tenants of Bitcoin, I don't think that banks are involved enough in Bitcoin to make it a viable option in the near future.

I haven't heard of any Bitcoin credit card but I'm actually using a Bitcoin virtual card. Actually it is a VISA Card that can be found on my online wallet. My wallet provider has tied up with VISA to allow them to create a virtual card. I'm loading it with Bitcoin then I can use to purchase online.

Do you guys have any idea what the OP is talking about? A credit card, not a debit card! You must be under 18 as you don't know the difference.
There is no bitcoin debit card because those wallets are what they are, a bitcoin wallet/exchange, not a bank, or something else with the ability to deliver credits.

Until today still there are not bitcoin credit card avaliable out there, at least what I know.
For right now just there are bitcoin debit card avaliable only,
because bitcoin is decentralized i am not sure in the future there are service bitcoin credit card
to payment something, but actually that is good chance business.

Bitcoin credit card is just like giving loan for that we need lot of security measures if not the users will not pay back, and that is why i think no one have started the Bitcoin credit card system.

There are no trusted bitcoin credit cards as of now as the merchants may risk their money is the user does not pays back the bitcoins.
Maybe till such a service is available you may stick to using debit cards that need to load up the balance before hand.
btw, I use spectrocoin debit card.

spectrocoin is the best i am using their services for almost one year and half , trusted with quick awesome support ,they have both virtual \plastic cards registered with my-choice co in London.

Maybe you heard about the project calledTokencard? It is a debit card. (http://tokencard.io (http://tokencard.io))
The team is developing a card which enables online payments, PoS transactions and ATM withdrawals. The Bitcoin is automatically transferred into dollars, on the value of the actual Bitcoin price. I believe they had their ICO a few days ago.

Whatever; I don't believe that there is a change that we will see a big player on the financial market introducing a creditcard of Bitcoin in the near future. I don't think Financial institutions are dying to create a creditcard like that- at least, for the time being.  ::) For the past years banks are getting more and more familiar with Bitcoin. Furthermore, I question the expectation that risk of people not paying back with bitcoin credit is higher than people with regular VISA/Mastercards. The blockchain improves this transparency. Hope we will see something like this in the future, because it is quiet interesting....  ;D

I heard about that, bitcoin Debit card that can allow you to pay your bills with it. But unfortunately, I can't use it in my country. I hope one day, It will be reachable here.
By the way, there is no problem, i can convert my bitcoin to real money and use it to pay my bills or anything else.

You must be under twelve years old if you didn't comprehend my comment as stating exactly that.

I agree with what you have said. I will be really glad if there will be a bitcoin credit card available for us to use. It will be surely convenient and less hassle for people. But I guess it will be hard to process this kind of ideas nowadays. Companies need to be secured about peoples background informations if we're wanted and going to push this.

I know some companies that provide this service, but as prepaid cards (you have to keep a balance there). In two of them (Wirex and Xapo) you can keep your balance in BTC and spend it on the go. On Advcash, you can deposit your BTC, but need to exchange it for fiat before you can use it.

I heard that too, from my friend in the Philippines, they offer virtual card where you can use to pay bills online using the bitcoin you have in the net. I guess it is good because he is using it even in some online shops and they accept it.

it's different price in different country?what should we choose a fixed price？

This is like thread  number 1000 asking the same question over and over again.
If there really was a bitcoin credit card,where should we use it?
I feel that bitcoin is an "anti-credit/debit card" currency.

Actually, when someone uses their credit card to buy stuff and make a payment for the merchant, the merchant itself will receive full payment because all is already paid by the bank and the credit card owner will be charged in form of credit periodically. Therefore, the merchants are risk-free, the one which will burden the risk of the uncomplete bill is the bank.

The existence of a wide range of services will make the existence of the bitcoin bitcoin keeps getting better, various ideas have been submitted and I think making the position of the bitcoin keeps getting better. the idea of bitcoin credit card is good.

Yea I came by these card recently I got an account at coinizy and get my self a credit card,
it was fun using bitcoins adding funds to the credit card. :) I used the card purchase stuff on amazon it was so
kool. after amazon was start asking question about the card details so I cleared it up and stop using the credit card.

they don't do this anymore, last time i heard about this was some signature campaign that was releasing credit card for bitcoin, maybe was bit-x or something? but it was very expensive and not convenient to use for bitcoin, debit card are much better and you have more choice with them, xapo one is very good for example

This is one feature that makes bitcoin better. It will likely take a long time to apply it in various aspects of life.
We are still waiting for the right time. There will be a big shift if all this happens.

I also do not have any such cards available for bitcoins but the OP question of credit card is really a good idea. Credit card means you can get bitcoins on credit and they you pay after a month. This will be really helpful for those who need bitcoins urgently or you can get advance bitcoins and get them increase by trading etc.

I guess a credit card is not a good idea in bitcoin and im pretty sure a physical debit card would work than a credit card but still a good idea if we can credit a bitcoin transaction but no good this time not many stores accepting bitcoin i guess no store will accept no credit a bitcoin.

I can't be done as there's strict regulation overbitcoin right now and not every country will allow that.


Well, there is bitcoin debit card. uquid is one thing that come into my mind when talking about bitcoin debit card. If it's credit card, then i don't know any.

Credit cards need a reliable source from certain legal bank, if implemented in bitcoin will not be maximal and not legally enforceable, I think it will be very brutal and irregular. True if you prefer to debit card because logically more useful and can be in top up and withdraw.

There will never ever be a long lasting bitcoin credit card provider. If there is one, it is running a scam.

When there is a credit, there must be interest. Nobody gives away his money for nothing. If a bank gives you money, they expect a profit in return. This can't work with bitcoin because bitcoin's supply is limited and the price is too volatile. Bank can lose all of its shit while lending bitcoins.

I must say as well that I do not think credit card system with bitcoin will work.
The companies want to make profit, and they want tomake sure profit.
The only scenario that works for the companies are the prepaid credit cards.
You upload bitcoins, they convert it into fiat and you can pay until no money is left.
I have tested it once, and it worked as promised.

Not really, if the bitcoin credit card provider also asks for KYC how different will this be to a bank offering credit cards? The problem will likely be when it provides the service without guarantee that they will be paid, like if it will be anonymous. We can always use bitcoin virtual credit cards anyway if we really needed a credit card.

Unless we have a bitcoin bank, we can never have bitcoin credit card. Although some platforms have generated their own debit cards, I dont think that they will open a credit card service. Bitcoin is a decentralized currency andI believe that many people will use this aspect to fraud other people if bitcoin credit card is allowed

We have coins.ph app here,It serves as our credit card that holds our bitcoins but it is only usable in some asian countries.It still depend on what country are you living.Coins.ph app serves as our virtual credit card that is actually good for holding your bitcoins.

There are plenty of alternatives.  I know coinsbank and having used them for a while i found it a very solid alternative next to my mastercard. Offcourse there are always things to improve (i.e. the high fees) but in the end it's doing it's thing.. Being a bitcoin credit card

Maybe it will be possible to have a bitcoin credit card but bitcoin is not consider to use as  debit card by bank. Bank is always looking for their security when it terms of debit their only accept a fiat. But its a good thinking to have bitcoin credit card.

This could be an interesting option but actualy difficult to execute in reality. Bitcoin credit card should be issued by some credit card issuer or bank and precindition for this is full regulation of Bitcoin. Since something like this is sti very risky I don't think that companies like Visa or Master Card would be interested to support Bitcoin credit cards. And debit cards are different story.

Yeah this is really cool idea and despite of it's difficulty, I think there is a ways on how creditors will be obliged to pay for their debts if ever we have this bitcoin credit card. There will be a strong pre requisite prior having a btc credit card, due to an anonymous identity of those customers that might scam the credit card obligations on payment dues. Those bigger companies will take time to study bitcoin first before they implement this such thing in order to avoid future circumstances to happen.

Involving banks actually destroys the whole concept of bitcoins being decentralized. The bank will start to regulate bitcoins and will have to control your coins if they are get to involved.
It is highly unlikely to happen to get a bitcoin credit card cause someone will have to regulate the coins. More over people will get scammed very easily due to how bitcoins work. Debit Cards are the only option currently available.

This is not a bad idea, but I'm afraid it can be applied, because bitcoin transactions need a certain amount of time to be validated. If that still exists, we can not apply bitcoin to the credit card. Also, bitcoin is a very valuable coin, what if you were robbed? It is dangerous!

You may have mistakenly assumed that there is no such type of credit card as Bitcoin. If so, it will completely overcome Bitcoin's slow transaction status

Bitcoin will not be set therefore there may be a problem when someone refuses to pay the bills that have been incurred.

What do you mean? Did you mean that when people pay in bitcoins then the prices suddenly went up before he was able to pay, that would be a problem?

I think the better analysis here is that the bitcoin credit card will convert bitcoins to fiat as you pay with it. Then it is directly debited from your card. Well this is generally a debit card now.

  This is the same as the debit card we use with limited access to super market stores. I have not found a credit card issued with bitcoin as a value stored on it.

There are barely any physical credit cards for bitcoin which benefits the user as most of the cards
charge super high fees for paying another currecy that dollars or even for withdrawing money from an atm.
There are even super high charges for making a bitcoin card , the best thing to do is just withdraw your bitcoins to cash and make you local credit card payments with those cash

Bitcoin credit card is not available right now, and even IMO it will be very difficult to even make it available, as to provide a Credit Card, the applicant has to assure that he is capable of returning the money. And to verify, government support and help of some kind of Banking/Financial service who will supports Bitcoin will be required.
Japan and few others who legally accepted Bitcoin can only provide such kind of services I think as of now.

Exactly, people should know that digital currency is not necessarily Bitcoin because there are a lot of fiats that are digitally loaded on a card and are allowed to be spent without carrying physical cash on you. There's actually no credit card with Bitcoin, maybe a debit card with Bitcoin but I haven't come across that yet.

I don’t think there are bitcoin credit cards, just think about it, the name itself implies that you could receive credit for it, but do you think any bank is going to give you credit if they do not know who you are? So the only cards that exist are bitcoin debit cards.

Bitcoin debit card is still very much possible but not credit card. The reason for bitcoin in the first place was borne out of the failure of the banking system which cannot be unlinked to the fact that people get to spend more than what they have as a result of credit card thereby throwing the whole world into financial crises which I believe might face bitcoin if that should happen considering the fact that tracing people to redeeem their debt will likely be impossible.

Maybe you're right, bitcoin can cause serious consequences for the economy of the world, but with the current situation, everything is controlled steady, and i think, it is showing the advantages It is, and it is contributing to the development of a nation's economy, the crisis is impossible.

Yes bitcoin debit card is possible but credit card it is impossible. If Bitcoin banks open then it is possible. Yes, we have many banks in our country, and they are suffering a lot to collect the due amount of the credit card holders. So if Bitcoin credit card comes means everyone will apply and use, but no one will pay credit card bill. Because there is no banks to control this bitcoin money.

I would be careful with localbitcoins.  A lot of people are getting in trouble with the law for running an "unlicensed money transfer service". Having someone pay your bills for you by using localbitcoins could be against the law in your state. All depends of course on the local laws.

Bitpay has a debit card you ca  load and make payments with. It lets you hook it up to many accounts.

Monaco card i think is coming out with a 10% rewards card(current bid for one is 200,000USD).

Basically I got the credit card from spectrocoin.com like a few weeks back and it is working great. To be honest I expected a cool design though it was just a simple prepaid visa credit card.

What it seems that they do is that they buy prepaid cards for your name and ship them to your address? Then you just deposit your bitcoins to their website and exchange it with the current exchange rate. What they do then is they load your prepaid card with fiat not with the bitcoins (basically you use fiat not bitcoin then) so it can be used in all the shops that accept cards.

To be honest I don't feel like I'm spending my money in a better way than just doing it with fiat. It would be the same thing as just trading my bitcoins on an exchange and loading my regular credit card.

I think it is impossble for this to happen.First the bank doesnt actually support the bitcoin system because it doesnt allow you to trace it's record.Second is there are still countries that doesnt accept bitcoin.The goverment must accept it first before the bank.

I haven't seen a card like this, and I don't think many payment remitters would be willing to offer a product like this. It's too easy to simply get a credit line on a regular credit card, which will most likely have a higher limit, and pay the bill after the fact in bitcoin. You could even use a bitcoin debit card to pay the bitcoin credit bill, if you didn't have a way to convert the btc.to fiat.

A credit card that you can pay off in btc doesn't really have any advantages over a regular credit card, they would be the same instrument.

Credit Card for bitcoins from my point of view would be dealing with a lot of issues so I think it would impossible for now. This is probably because bitcoins not that regulated properly since banks don't have a control over bitcoins. This is also because flow of bitcoins cannot be monitored that easily and for that reason you will find it hard to scan every credit card users identity unless some people are willing to do so or they decided to set people on this kind of job. On the other hand having a debit card would be a much better option and already have been done by other online wallets.

To be able to create a bitcoin credit card, there should be a private company funding such, and that also defeats the purpose of bitcoin eluding banksters as they will be creating a similar service integrating bitcoin as well. Debit cards do exist, though you need to load it up every time you want to spend it in stores that accepts Visa or Mastercard as payment.

Guess you mean Debit card — the ones that debit from your account used for buying stuff.  While Credit card get you money and stuff on credit usually available in developed countries

yes you are right it is impossible to have a bitcoin credit cards until the government did not accept bitcoin and until the bitcoin is not legalize by all the countries, and when the government accept it and legalize it and after the acceptance of government when the banks accept bitcoin then it is possible that may be bank issue the bitcoin credit card.

I have heard only about bitcoin debit card and not bitcoin credit card yet.I don't know how they would be ready to lend bitcoins that too when the price is ever increasing.How would they collect back ?I think its practically very hard to offer a service like that.Thats why till now despite of bitcoin's tremendous development,no company has come forward to offer such service.

There is not too much of a difference because in essence you are doing the same, you are converting your bitcoin to fiat first, so its no wonder it does not fell any different to you, but at least you have a debit card that you can use almost anywhere and you don’t have to carry cash.

We have this on our mobile app called coins.ph - it's like we can register and use coins.ph as our credit card and pa thru btc. Not that I'm advertising this app and yet I haven't tried that services, but a friend on mine testify that it's actually true and it works, specially in buying thru online stuffs.

as far as i know, the current few places there was station ATM bitcoin, but really this is really rare and seems to be non-mainstream. i think, to form the credit system in bitcoin, must need the link more closely of the forum in over the world and the acception for bitcoin as a orthodox currency.

We already have some Bitcoin Debit Cards on the market and this is so feasible because you have to deposit Bitcoin into your own wallet provided by the issuer of the card. Now, with credit card, I am sure nobody has yet thought about it because you can have a big problem with volatility...meaning what you borrowed today may not be the same value tomorrow because Bitcoin right now is exploding to say the least.

Now, if the idea is to borrow Bitcoin so you can invest the same somewhere then maybe you can just borrow fiat money and buy Bitcoin and in that way you are not being hampered by the great volatility issue of Bitcoin.

I am not expert on this matter though so this is just my simple idea...and that is a disclaimer.

Some bitcoin debit cards let you apply for a credit limit I think. Is that what you're thinking of? Otherwise there isn't a bitcoin credit card. There are services to pay your credit card with bitcoins but it's centralized and you pay a fee.

I think that is what he really meant by this thread. My online wallet has that function. It has a virtual card that serves as a debit card. I can use it in buying things online. I even used it in promoting my post in my own Facebook page. It is reallyconvenient using it.

I think bitcoin credit card is a nice idea to all bitcoin users because you can withdraw your money instantly and easily. But, some bank in the world didn’t accept bitcoin so that I guess credit card would be a debit card that you can use in paying your bills and shopping in online market. I guess in the near future there will be a credit card that can use of all bitcoin users.

The thing is that the OP wants a legit credit card - one that you can take out loans from.

This is probably not going to happen with any bitcoin implementation because bitcoin is irreversible and credit cards are not. So a person can get cash advances easily, using perhaps stolen credentials. There is no way the credit card company can do anything about it. They can't reverse it because bitcoin blockchain is not reversible.

Also you have to consider that people using stolen docs to open accounts is going to be a huge problem. How will the company issuing these cards ensure that everyone is legit and will pay their dues? There is nothing preventing them from using fake ID cards etc. to open an account and scam. That's why bitcoin debit cards are popular but no credit cards out there.

There are really many banks and countries that have not accepted btc but btc credit systems exist in our lives. in my country, btc  isn't accepted but still have btc ATM station . For many years I believe that btc credit system will appear and develop in many places around the world.

Well, Bitcoin credit card I think it’s impossible to happen because the value of bitcoin is always change and it don’t have definite value. Then, the bank doesn’t know what bitcoin is and they didn’t also accept it as deposit of their client or costumer. But I think in the near future there will be a credit system in all bank in the world also they will accept that as deposit of their client.

Definitely possible in the near future. If people are able to get cards with multiple currencies, then definitely BTC is possible. However, due to the ever-fluctuating conditions of BTC, it's hard for people to implement such credit systems in Bitcoin due to its volatility. But once it's more stable and there's more control, then I guess it's possible then.

There are some bitcoin creditcard beeing issued now i think, i have read some articles about it saying that bitcoincredit card will be available now and on future.xapo have it already the virtual card

If the problem is because of the volatility of bitcoin. The issuer could simply just set USD as their main currency and for every transaction to make it simple and resolve all of these matters.
The only main reason of why bitcoin "credit card" hasn't been existed yet is because there's no guarantee that people who use the "credit card" will want to pay back without make some fraud requests or even just drop the bills blindly.
We're not talking about debit card but the real "credit card" ones which don't require you to load the cards but to pay the bills based on agreement and within time intervals.

I think it's a good idea but I think a ATM Bitcoin is better, instead of wasting fees to send payments over and over, you can simply pay the fee one time and you can use that money to buy whatever you want

According to my credit card bitcoin is a good solution by providing loans for many purposes and also as a means of security if the user will pay need not bring. but still we have to limit its use so that you are not surprised when paying the invoice

There is this website which offers bitcoin debit cards called cryptopay. They offer both plastic and virtual debit cards. The plastic one is priced at 15 pounds and virtual is priced at 2.5 pounds and also there is 0ne pound monthly service fee.

I don't understand how the interest fees would work if ur late on payment and also who would enforce payment? With a normal credit card you can be sent to jail or be out into debt of I don't pay but what do bitcoin credit card think will they do?

Yeah right now you can use bitcoin credit card. There are many wallets that provide credit card facilities. There are certainly some requirements to make a bitcoin credit card. I myself have never used it. But it's worth a try

Bitcoin has Own wallet As I know . Bitcoin Credit card , You Can use this if you accessing loans , paying bills and etc .. so It is useful

I've never tried it, but I want to make it, because I think it will be very useful for spending and shopping. See bitcoin has not been accepted. So you can use a bitcoin credit card to shop

Yes, I want to try it too.  It would be a blast if it happens.  Maybe because some people do not know yet what is bitcoin.  So maybe out of their curiosity, maybe bitcoin will be a hit.  It will be recognized and then its price will keep rising.  I want to have a credit card right now.  But maybe a few stores would acknowledge it.

Bitcoin credit cards still can not appear, because bitcoins are not really popular worldwide, bitcoin development is still very low, it's common in some countries, not enough.

Before choosing any of those companies/that offer these services read the reviews from people that are using it recently.

Wirex/E-coin is a good service too, the users sometimes are having issue but they have a thread here and are active in solving the users' issues.

There are also some other companies like Xapo, Uquid and Coinsbank which offer bitcoin debit cards plastic and virtual but check their fees and check if you are eligible to order.

The risk is so enormous , the benefits to the crediting issuer would need to be a predatory rate to be worth it, so it probably will be hard to find credit like this in crypto.  Removing the centralized banking system does reduce the need for a lot of the usual credit card style spending though.  Credit reports and credit bureaus have their grip over the people they indebt, even worse then the hard hand of traditional banks.  I just don't see a social security number and credit report as a part of my crypto-coin world.  Curious to see how your results we're in the hunt though!

I have never seen a bitcoin credit card. It's amazing if something is not so good.
I'm never the same as having a credit card. Bitcoin is not regulated and therefore there may be a problem when someone refuses to pay the bills.

Bitcoin can see or can use only on the internet. Using bitcoin credit card in anywhere else was a good idea but how to do so? Bitcoin is unregulated and no one can control bitcoin, it is unregulated virtual currency. Bitcoin price also dynamically in every minute, sometimes in just a second. Bitcoin debit card needs an enhancement and makes it better one from other credit cards. It is also hard to make it and to implement in every nation. Must study on this one to make it successful.

Virtual card will become a shadow of physical credit card if you are going to look at it physically. But they are both useful in online payment, like shopping online, travel online, billings payment, and I don't know if credit card is the as virtual card in coins.ph maybe in some other forms of aspects.

As bitcoin is going to its higher level it will not take so much long that bitcoin cards will  be introduce to us.
As bitcoin is being so common now a days and almost all banks are accepting it and that’s why we can hope for bitcoin card in very real soon.

I guess debit card was possible actually we already have that in our country a virtual card which you can store a bitcoin in the card. But i guess bitcoin credit card have no basis if there are company going to do this they need information in their clients if they can pay there credits.

Here if you will try to join the bitcoin or another cryptocurrency with the fiat then you should be clearly need to understand that the services for the fiat currency changes from country to country because all the countries have not same fiat currency .
So if you are looking for the best bitcoin credit card then it will be more better to ask in your community about it because they know very well ( if any person will be in this forum who used from your country then may be he can tell you ) .
Here you need to mention your country .
Here I myself from India and can use some bitcoin credit card system but I don't think that they are trusted because thier trust are small thinkable , but I tried only once and after I don't need at all .
Here I am regularly using zebpay wallet where I can make payment of most of my bills directly and I don't need also to long ago because the service is instant ( than why I should go for the credit card like system ) .

C3 (CCCR) will be a great option, doing an ICO right now (my review of their ecosystem (https://acecryptura.com/cccr-ico-crypto-credit-card-review/)).