With a crypto credit card you spend on a credit line, repay it in your own currency and earn rewards in crypto. We rank 10 active cards by our estimated net reward rate without a lock-up.
Crypto.com Visa Signature Credit Card Net rate 6.00%, best tier 
Crypto.com Visa Signature Credit Card Net rate 6.00%, best tier 
The Gemini Credit Card Net rate -1.00%, travel profile 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 · 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).
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: Up to 4.00%, base 1.00%.
Credit card · Visa
Rewards: Up to 4.00%, base 1.00%.
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.
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.
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.
No cards match all of these filters.
Active cards whose terms call them a credit card, sorted by estimated net reward rate without a lock-up, then at the best tier, then by name. Cards whose core facts are older than 45 days leave the list until we check them 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. 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.
