Crypto cards compared side by side
A self-custody Visa that spends from your ether.fi vault, either directly or by borrowing against it, with 3% cashback in ETHFI on the first $2,000 a month for free.
High cashback on the free tier from a self-custody vault.
Cashback is paid in the ETHFI token, not cash.
A US American Express credit card for Coinbase One members, paying 2% to 4% back in bitcoin depending on how much you hold on Coinbase, with no foreign transaction fee.
Coinbase One members in the US with large balances on Coinbase.
Needs a paid Coinbase One membership, from $49.99 a year.
A prepaid card with five tiers: the free tier pays no cashback, higher tiers pay up to 4.5% in CRO but need a subscription or a large CRO stake.
Tiered rewards if you already hold CRO.
No cashback at all on the free tier.
A Mastercard debit card with no issuance or monthly fee in the EEA, 1% base cashback and up to 10% for VIP and PRO users.
Everyday spending without a monthly fee.
Not available in the US, and closed to new UK users since September 2026.
A dual-mode Mastercard: spend your balance in Debit Mode or borrow against your crypto in Credit Mode, with no issuance or monthly fee.
Borrowing against crypto instead of selling it.
Not available in the US.
A US Mastercard credit card with no annual fee and no foreign transaction fee, paying 1–4% back in bitcoin or another crypto, depending on the category.
US residents who want crypto rewards on a credit card with no annual fee.
Only for US residents, and approval depends on your credit.
A Visa debit card with 1% Saveback into a savings plan, or 2% when you pay from your crypto balance, on up to €1,500 a month, with no monthly fee.
Investors who want card rewards invested automatically.
Saveback needs at least €50 a month in savings plans.
A free Visa debit card that spends crypto, metals or EUR from your Bitpanda account, with a flat 1% cashback in the same crypto you pay with.
Euro-area residents who spend crypto they hold on Bitpanda.
Only for euro-area residents.
A self-custody Mastercard that spends from your MetaMask wallet, with 1% cashback in mUSD on the free tier and no monthly fee.
Spending from your own MetaMask wallet.
New US and UK sign-ups are closed.
A stablecoin-backed Visa for US and Latin American residents, with no cashback on the free plan and up to 2.5% on the paid Emerald plan, capped at the plan fee.
US and Latin American residents spending stablecoins.
No cashback on the free plan.
A secured Visa credit card backed by USDC in an escrow contract you own; the Platinum card costs a one-time $15 (virtual) with no recurring fee.
A self-custody secured credit card backed by USDC.
Card fees: $15 one-time for virtual Platinum, $50 for physical.
A Mastercard that spends your Binance balance, currently offered only in Brazil, with 1.5%–3% cashback in BRL based on monthly spend.
Binance users living in Brazil.
Only available to residents of Brazil.
A Mastercard topped up from Bitget Wallet, with 2% base assetback (3% for new users or above a monthly spend threshold) and fees refunded on the first $400 a month.
Fee-refunded everyday spending up to $400 a month.
Not available in the US.
A self-custody Visa debit card with 1% cashback on the free Starter tier and up to 8% for users who stake COCA tokens, paid in stablecoins.
COCA token holders who want high cashback.
Higher tiers require staking (locking) COCA tokens.
A prepaid Visa that spends your Coinbase balance, with no monthly fee and variable crypto rewards in the US.
US residents who already use Coinbase.
Reward rates are variable and only shown in the app.
A free virtual Visa Signature credit card from a self-custody wallet that lets you pay in full in USDC or split purchases into up to 9 fixed-rate installments.
Paying in fixed-rate installments from a self-custody wallet.
Virtual only: no physical card.
A US prepaid Visa debit card with no monthly fee that pays 0.25% back in bitcoin, rising to 3% with a large Fold Reserve balance.
US residents who want bitcoin back on everyday spending.
US residents only.
A virtual USD card topped up with USDT from Jam’s non-custodial wallet app, with a $29 issuance fee, no monthly fee and a 3% top-up fee.
Spending USDT from a non-custodial wallet outside the US.
$29 issuance fee and a $44 minimum first deposit.
A Visa card backed by your KAST balance, with 1.5% USD cashback on the free Standard tier and up to 3% on the $10,000/year Private membership.
Dollar spending with cashback on a free tier.
Standard cashback only applies to the first $2,000 of spend each month.
A virtual Visa debit card with no issuance or monthly fee, 1% BTC cashback (2% for the first 30 days) and a 1% conversion fee on every payment.
Earning bitcoin on everyday spending.
A 1% conversion fee on every card payment.
A Mastercard debit card managed in the Krak app, with no monthly or FX fee and 0.5%–2% cashback in euros, pounds or bitcoin from a €200 average balance.
UK and EEA residents who keep a balance on Kraken.
No cashback until your 30-day average balance reaches €200.
A secured Visa credit card with no annual fee and no FX fee that pays 1% back in bitcoin outside the US, 3% in the US and 5% at partner merchants.
Earning bitcoin on everyday spending.
Lava doesn’t list which countries outside the US can get the card.
A debit card from Baanx built for Ledger users, with 1% cashback in BTC or stablecoins, no monthly fee and availability in the US, UK and EEA.
Ledger owners who want one card across the US, UK and EEA.
2% card-spend fee when paying with crypto, plus 1.75% crypto-to-fiat conversion.
A virtual Mastercard for the EEA that spends USDC or USDG, with no card or FX fee and 2% cashback in USDG on USDG purchases, rising to 10% for top VIP levels.
Spending USDG stablecoins in the EEA.
Virtual only: OKX doesn’t issue physical cards.
A virtual Visa card in the Oobit app for tap-to-pay from your own wallet or an Oobit account, with no card fee and a 1% fee per payment.
Tapping to pay straight from a self-custody wallet.
1% fee on every card payment (minimum $0.25).
A self-custody Visa that spends USDC from your Payy Wallet with private onchain settlement, no application, monthly or top-up fees, and no cashback.
Private, self-custody USDC spending.
No cashback; Payy Rewards points have no monetary value.
A virtual prepaid Visa that spends your Phantom Cash balance, with no card, monthly or load fees and a 1% + $0.30 fee abroad — US only, except New York.
US Phantom users who want to spend their Cash balance.
US only, and not in New York.
A Revolut debit card that can switch to paying from your crypto balance with no exchange fee from Revolut; the Standard plan is free but pays no crypto cashback.
Spending crypto you already hold in the Revolut app.
No percentage cashback; rewards are RevPoints, not crypto.
A virtual Visa card in the Tangem app, funded with USDC or USDT, with 1% cashback on the free Basic plan and 2% on the $29.99/month Plus plan.
Tangem wallet users outside Europe who spend in stablecoins.
Not available in the UK or EU.
A self-custody Visa with three membership tiers paying 1.5%, 4.5% or 6% cashback in USDT up to a monthly spend cap, and 0.5–1% above it.
Monthly: Not verified · FX: Not verified · Issuance: Not verified
Self-custody spending with capped high cashback.
High rates apply only up to a monthly spend cap (1% or less above it).
A self-custody virtual Visa that spends USDC on Base, with no issuance or monthly fee; card spending earns TUYOs points at rates shown only in the app.
Spending USDC from a self-custody wallet without card fees.
Virtual only: the physical card is still “coming soon”.
A prepaid Mastercard in the UK with no annual fee or FX fee and 1% cashback in GBP on cash-funded purchases, up to £100 a month; the US card is a separate Visa.
UK residents who spend from a cash balance.
Crypto-funded purchases earn no cashback.
A prepaid card with five cashback plans from 0.5% to 8%, paid in USD, with no issuance or monthly fee — higher plans need a balance and a WPAY share.
Cashback without a subscription.
Not available in the US.
A Visa card that either spends USDC or borrows against your crypto via Kamino; Credit Mode pays 0.5% to 2% in USDC depending on a paid membership.
Monthly: Freesource · FX: Not verified · Issuance: Not verified
Borrowing against crypto to spend without selling.
The 2% rate needs a $999-a-year Platinum membership.
ether.fi Cash
A self-custody Visa that spends from your ether.fi vault, either directly or by borrowing against it, with 3% cashback in ETHFI on the first $2,000 a month for free.
Score 7.9Read reviewBest no-fee cardBybit Card
A Mastercard debit card with no issuance or monthly fee in the EEA, 1% base cashback and up to 10% for VIP and PRO users.
Score 6.7Read reviewBest virtual cardCoinbase One Card
A US American Express credit card for Coinbase One members, paying 2% to 4% back in bitcoin depending on how much you hold on Coinbase, with no foreign transaction fee.
Score 6.8Read reviewBest credit cardNexo Card
A dual-mode Mastercard: spend your balance in Debit Mode or borrow against your crypto in Credit Mode, with no issuance or monthly fee.
Score 6.5Read reviewBest self-custodyMetaMask Card
A self-custody Mastercard that spends from your MetaMask wallet, with 1% cashback in mUSD on the free tier and no monthly fee.
Score 5.6Read reviewCoinbase One Card vs Gemini Credit Card
| Feature | Coinbase | Gemini |
|---|---|---|
| Cashback without staking | 2% | 1% |
| Best cashback | Up to 4% | Up to 4% |
| Monthly fee (entry tier) | $4.17 | Free |
| FX fee (entry tier) | 0% | 0% |
| Available in US | Available | Available |
| Available in UK | Not available | Not available |
| Available in EEA | Not available | Not available |
In short: Coinbase One Card scores higher overall (6.8 vs 6.4 on our preliminary scale), but Gemini Credit Card can still be the better choice depending on where you live and how you spend — see “Which to choose”.
What is a crypto card?
A Visa or Mastercard linked to your crypto balance. When you pay, crypto is converted to the payment currency and the merchant receives regular money. Some are prepaid or debit cards; a few are credit cards or credit lines backed by your crypto.
Why do some cards show 0% cashback?
Many cards tie rewards to tiers. The free tier can pay nothing, and higher rates need a subscription, a token stake or a large balance. Our table shows the entry-tier rate and what unlocks the best one.
Do I need to pass identity verification?
Yes. Almost every issuer requires KYC — usually an ID document and a selfie — before issuing a card, including most self-custody cards.
Is spending crypto with a card taxable?
In many countries converting crypto to fiat is a taxable event, so each card payment can count as a disposal. Check the rules where you live with a tax adviser.
Why does a card say “Not verified”?
We only show figures the issuer publishes. If its documents don’t state a fee or a country, we say so instead of guessing.
Fee changes, before they hit your card
One short e-mail when a card changes its fees, rewards or availability.