Best Crypto Credit Cards of 2026

• 3% cashback on the free Core tier, on the first $2,000 a month
• Self-custody: the issuer can’t move the contents of your vault
• Choice of Direct Pay or Borrow Mode

• Cashback is paid in the ETHFI token, not cash
• Core FX costs about 1% plus up to 0.5% (0% on EUR purchases)
• Borrow Mode interest starts immediately, with no grace period

ETHFI

Compare with another card

• 2% back in bitcoin on every eligible purchase, even at the lowest tier
• No foreign transaction fee and no penalty APR
• Virtual card for Apple Pay or Google Pay while the metal card ships

• Needs a paid Coinbase One membership, from $49.99 a year
• The 4% rate needs $200,000 or more held on Coinbase
• Rates above 2% apply only to the first $10,000 of purchases a month

Bitcoin

Compare with another card

• No issuance or monthly fee
• Credit Mode lets you spend without selling crypto
• Low FX fee for EEA and UK users

• Not available in the US
• Cashback only in Credit Mode, with a balance above $5,000
• Best rate depends on holding NEXO tokens

NEXO or BTC (user choice)

Compare with another card

• No annual fee and no foreign transaction fee
• Up to 4% back on gas, EV charging and transit, 3% on dining and 2% on groceries
• No staking, balance or subscription needed for any rate

• Only for US residents, and approval depends on your credit
• The 4% rate is capped at $300 of spend a month, then 1%
• Purchase APR of 16.74%–34.74% if you carry a balance

Bitcoin by default, or a chosen crypto from 50+ on Gemini

Compare with another card

• Open to US and Latin American residents
• Wallet built on non-custodial infrastructure (Privy)
• Free deposits and USD card spending

• No cashback on the free plan
• Cashback is capped each month at the value of your subscription fee
• Virtual card costs $10 and physical $49.99 on the free plan

Not verified

Compare with another card

• Self-custody: collateral sits in an escrow contract your wallet owns
• No top-up fee, and 0% interest under the card terms
• Virtual and physical cards, with Apple Pay and Google Pay

• Card fees: $15 one-time for virtual Platinum, $50 for physical
• No published cashback programme
• Avici’s fee page and US terms disagree on foreign transaction fees

Not verified

Compare with another card

• Free Visa Signature card with no issuance or annual fee
• Self-custody smart wallet secured by passkeys
• Split purchases into up to 9 fixed-rate installments

• Virtual only: no physical card
• 1.5% FX fee on non-USD purchases
• No cashback programme

Not verified

Compare with another card

• 1.5% cashback in USD on the free Standard tier
• No membership fee on Standard and 0% top-up fee for stablecoin deposits
• Available to US residents under a separate US cardholder agreement

• Standard cashback only applies to the first $2,000 of spend each month
• The 3% rate needs the $10,000/year Private membership
• Every ATM withdrawal costs $3 + 2%

USD

Compare with another card

• Rewards paid in bitcoin: 1% outside the US, 3% in the US
• 5% back at Lava merchant partners, with no plan or staking
• No annual fee and no FX fee or spread

• Lava doesn’t list which countries outside the US can get the card
• Rewards can only be redeemed from 100,000 sats
• Lava’s launch post and card terms disagree on ATM fees

BTC

Compare with another card

• Self-custody: you control your funds at all times
• Card payments settle privately on Payy Network
• No application, monthly or top-up fees

• No cashback; Payy Rewards points have no monetary value
• International terms allow FX and cross-border fees of up to 3% each
• Bank deposits only from the US and Argentina for now

Not verified

Compare with another card

• Issued in 100+ countries, including the UK and most of the EEA
• Virtual card for a one-off $10
• No monthly card fee

• Not available in the US
• 3% cashback only with the paid Pro plan, on mobile-wallet purchases, capped monthly
• Physical card costs $100

USDs

Compare with another card

• Self-custody: Tria’s terms say neither Tria nor the issuer holds your collateral
• Cashback paid in a stablecoin (USDT), not a volatile token
• Apple Pay and Google Pay

• High rates apply only up to a monthly spend cap (1% or less above it)
• Card prices and FX fees differ between Tria’s terms and its help centre
• The 6% rate needs the paid Max membership

USDT (Arbitrum)

Compare with another card

• Credit Mode lets you spend by borrowing against BTC, ETH or SOL instead of selling
• Self-custody: collateral sits in Kamino smart contracts XPlace can’t move
• Cashback paid in USDC, from 0.5% on the free tier

• The 2% rate needs a $999-a-year Platinum membership
• Cashback only in Credit Mode and capped at $10 a month on Basic
• XPlace’s pages give conflicting FX fees and Silver spending limits

USDC

Compare with another card