We compare 37 active crypto cards on rewards, fees and where you can get them. The order follows our estimated net reward rate, and this page has no partner links.
Card type not stated
Rewards: Up to 10.00%, base 4.00%. Top rate: VVIP Elite with an M-Score of 800 or more. Paid in USDT.
Prepaid card · Mastercard
Rewards: Up to 10.00%, base 2.00%. Top rate: OKX VIP 4 or higher. Paid in USDG.
Debit card · Mastercard
Rewards: Up to 10.00%, base 1.00%. Top rate: Supreme VIP or PRO 3 to 5, or a VIP level with 25,000 EUR card spend in the month.
Debit card · Visa
Rewards: Up to 8.00%, base 0.50%. Top rate: Bespoke tier: Wirex One portfolio of at least 50,000 USD with at least 10% held in WPAY.
Credit card · Visa
Rewards: Up to 6.00%, base 1.50%. Top rate: 500,000 USD in CRO staked or locked for 12 months.
Credit card · Visa
Rewards: Up to 5.00%, base 1.50%. Top rate: 100,000 USD Fold Reserve balance (closed-loop stored value, not redeemable for cash). Paid in Bitcoin (BTC).
Debit card · Visa
Rewards: Up to 5.00%, base 1.00%. Top rate: Pionex Gold Card, by invitation only. Paid in USDT.
Prepaid card · Visa
Rewards: Up to 4.50%, base 0.00%. Top rate: 500,000 USD in CRO staked or locked for 12 months. Paid in CRO.
Credit card · Visa
Rewards: Up to 4.00%, base 3.00%. Top rate: VIP level: 500,000 USD in ether.fi Liquid or 500,000 ETHFI staked. Paid in ETHFI.
Credit card · American Express
Rewards: Up to 4.00%, base 2.00%. Top rate: 200,000 USD in assets on Coinbase and a Coinbase One membership. Paid in Bitcoin (BTC) only.
Prepaid card · Visa
Rewards: Up to 4.00%, base 1.00%. Top rate: Elite plan at 99.99 USD a year, card funded with crypto or metals.
Rewards: Up to 2.00%, base 0.00%. Top rate: 30-day average of at least 150,000 USD in assets held.
Debit card · Visa
Rewards: Up to 2.00%, base 0.80%. Top rate: SVIP level with at least 20,000 USDT card spend in the previous month.
Debit card · Mastercard
Rewards: Up to 3.00%, base 1.00%. Top rate: Metal tier at 199 USD a year; new Metal orders paused since 2026-06-02.
Debit card · Mastercard
Rewards: Up to 1.00%, base 0.25%. Top rate: Phemex VIP user tier. Paid in USDT.
Credit card · Mastercard
Rewards: Up to 4.00%, base 1.00%.
Credit card · Visa
Rewards: Up to 4.00%, base 1.00%.
Rewards: 1.00% on all spend.
Debit card · Mastercard
Rewards: No reward rate stated.
Rewards: 3.00% on all spend.
Credit card · Visa
Rewards: Up to 3.00%, base 1.50%. Top rate: Private membership at 10,000 USD a year, billed upfront.
Credit card · Mastercard
Rewards: 3.00% on all spend.
Credit card · Mastercard
Rewards: Up to 1.00%, base 0.50%. Top rate: No staking; the higher rate comes with the Platinum card (22,000 JPY a year from year 2). Paid in BTC.
Prepaid card · Visa
Rewards: No reward rate stated.
Debit card · Mastercard
Rewards: 1.00% on all spend.
Prepaid card · Visa
Rewards: The reward rate varies and is not published as a number.
Debit card · Visa
Rewards: Up to 4.00%, base 3.00%. Top rate: No staking; the card requires eToro Club membership (Platinum or higher), also available as a Club subscription.
Prepaid card · Visa
Rewards: Up to 3.00%, base 0.25%. Top rate: No staking, but boosts need a Fold Reserve balance of 15,000 to 100,000 USD; Reserve is closed-loop stored value issued by Fold, not interest bearing, not FDIC insured and not redeemable for cash (usable for bitcoin, gift cards, credit card bill). Paid in Bitcoin (BTC).
Prepaid card · Visa
Rewards: No reward rate stated.
Debit card
Rewards: No reward rate stated.
Card type not stated
Rewards: No reward rate stated.
Debit card · Visa
Rewards: Up to 8.50%, base 1.00%. Top rate: Optional KCS staking for the bonus tier: K4 (5% extra, cap 50 EUR/month) needs KCS staking above 10% of total account assets; base cashback depends on VIP level.
Credit card · Mastercard
Rewards: Up to 2.00%, base 0.00%. Top rate: Loyalty Tier set by the share of NEXO Tokens held against the rest of the portfolio (account balance above USD 5,000); tier percentages not stated on fetched pages. Paid in NEXO Token or BTC.
Debit card
Rewards: No reward rate stated.
Debit card · Visa
Rewards: Up to 2.00%, base 1.00%.
Debit card · Visa
Rewards: No reward rate stated.
Debit card
Rewards: 3.00% on all spend. Paid in BTC.
No cards match all of these filters.
The first three cards for each need, by the rule under each heading. A negative net rate means the card costs more than it pays back in that profile.
Ranked by net rate at the best tierCards offered in the US, with or without conditions, by net rate at the best tier.
Ranked by net rate, no lock-upCards with an annual fee of 0 and a reward tier without lock-up, by net rate without lock-up.
Ranked by net rate, no lock-upCards with a reward tier that needs no staking, token holding or subscription, by net rate without lock-up.
Ranked by net rate at the best tierCards with a stated reward rate above 0, by net rate at the best tier, with the lock-up named.
Ranked by net rate, no lock-upCards that pay rewards in bitcoin, by net rate without lock-up.
Listed A to ZCards that spend from a wallet you control, in alphabetical order.
Ranked by net rate for travelCards with a stated foreign fee, by net rate in our travel profile, then by foreign fee.
Every value comes from the provider's own pages, such as the card page, the cardholder agreement, the fee schedule, the rewards terms or the help center, with the date we checked it. When two of those sources disagree, we show Not stated until we check again.
We do not score cards. Instead we estimate a net reward rate: what a reference spender earns in rewards in a year, minus what the card costs in that year, divided by the spending. Amounts are in the currency of the card's program.
Everyday: 1,000 a month, no foreign spending and no ATM withdrawals (the table uses this profile). Travel: 1,000 a month, 30% of it in a foreign currency, plus two ATM withdrawals of 200 abroad. High spender: 5,000 a month.
For each profile we show two readings: the best tier, with its lock-up named, and the best tier you can get without a lock-up. Costs are the annual fee, any subscription, one-time fees spread over 36 months, foreign and ATM fees, and the conversion fee when you pay from crypto. Not included: price changes of the reward or of locked tokens, lock-up periods of rewards, credit card interest and welcome offers.
A card leaves the rankings when its core facts (status, type, network, issuer, US availability, annual and foreign fee, reward rates) are older than 45 days. Cards that are closed, closing or on a waitlist are not ranked.
Official site links go straight to the provider's page and carry no partner code.
In our everyday profile, MEXC Global Card leads at 10.00% at its best tier (VVIP Elite with an M-Score of 800 or more). Without a lock-up, ether.fi Cash leads at 3.00%.
18 of the cards we rank have an annual fee of 0 and a reward tier without lock-up. By net rate without lock-up, the first three are ether.fi Cash, OKX Card and Crypto.com Visa Signature Credit Card.
15 of the cards we rank are offered in the US, 8 of them with conditions such as a membership or a list of states. Pick your state at the top of this page to see which ones you can get there.
We rank active cards whose core facts we checked in the last 45 days. Cards that are closed, closing or on a waitlist, and cards with older facts, stay out until we check them again.
No. Official site links go straight to the provider and carry no partner code, and the order follows our estimated net reward rate.
We do not score cards. Instead we estimate a net reward rate: what a reference spender earns in rewards in a year, minus what the card costs in that year, divided by the spending. Amounts are in the currency of the card's program. How we rate
We take fees, availability, licenses and coin counts from primary sources: each provider's own fee schedules, terms and help pages, and the public registers kept by regulators. Every value carries the date we last checked it. The values on this page were checked between October 14, 2026 and October 22, 2026. Ethan Parker, Senior Content Editor, checked this page; updated October 22, 2026.
