Best Crypto Credit Cards Compared
We’ll go into more detail in a moment but it’s important to understand that the perfect crypto-based credit card will be different for each individual user.
Some crypto users just want a simple card that lets them spend their crypto in the real world. Other users are actually looking to earn crypto when they spend normal cash. In addition there are some cards that have high lockup amounts or monthly fees but offer stellar rewards.
That said here’s a quick guide to the very best crypto cards:
Credit Card Name
Why this one?
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Quick Crypto Credit Card Comparison
Curious how the best crypto credit card compares? Check out the key differences in rewards, fees, and features:
What are Crypto Credit Cards?
Crypto credit cards are financial tools that combine standard credit card functionality with cryptocurrency benefits, giving consumers a new method to earn, spend, and manage digital assets. These cards function similarly to ordinary credit cards, but they are specifically built for trading and investing in Bitcoin and Ethereum. Crypto credit cards allow traders to use digital assets for daily purchases.
Are you wanting to utilize a cryptocurrency credit card for the first time? They appeal to a broad audience with a good sentiment due to their simple application processes and the ability to manage both cryptocurrency and fiat transactions. Different cards meet different trader needs—some favor huge rewards, while others prioritize minimal costs or global acceptability. Understanding how crypto credit cards work allows people to make informed decisions about the best options available in the market which we recommend for traders.
How Crypto Credit Cards Work 💳
Crypto credit cards link a user’s crypto wallet to traditional payment systems, making it easy to spend crypto rewards. Users can load the card from their wallet or exchange account and earn crypto rewards with each purchase. Fees like transaction and currency conversion charges vary, so comparing options is key. Most cards offer strong security features—fraud protection, two-factor authentication, and spending alerts—ensuring safe, straightforward transactions. These features make crypto credit cards a secure, accessible way to integrate digital currency into everyday spending.
Benefits of Using Crypto Credit Cards 💸
Crypto credit cards stand out by offering rewards in cryptocurrency, allowing users to earn Bitcoin or other digital assets that may grow in value over time—an appealing feature for those looking to expand their crypto holdings. Many cards also simplify converting crypto rewards into spendable cash, making everyday purchases seamless. With global acceptance and perks like no foreign transaction fees, these cards are ideal for travelers and newcomers alike, providing an easy way to enter the crypto world while building credit and earning valuable rewards.
What We Consider Important Before Choosing a Card 🤔
- Annual Fees: Check if the card has an annual fee and assess if the rewards outweigh this cost.
- Transaction Fees: Review foreign and domestic transaction fees to avoid surprises.
- Hidden Costs: Look for any additional fees that may impact your crypto earnings.
- Rewards Structure: Choose a card with rewards that fit your spending habits (e.g., higher returns on specific purchases).
- Crypto Conversion Options: Verify how easily you can convert crypto rewards into fiat for everyday spending.
- Security Features: Opt for cards with robust security, including fraud protection and encryption.
- Customer Support: Ensure the card offers reliable, accessible support if issues arise.
- Mobile App Functionality: A user-friendly app can simplify spending and tracking rewards.
- Regional Availability: Confirm the card’s acceptance in the locations you’ll use it most.
- Transparency: Choose a card with clear terms to build confidence in your crypto credit card choice.
Buy Crypto with Credit Card From This List
- Up to 8% crypto cashback on all purchases
- Huge amount of available perks, including free Netflix, Spotify and Airport Lounge access
- Unique CRO staking model offers five different tiers of cards
- High-quality premium metal cards
- Visa card backed by one of the most reliable companies in cryptocurrency
- Links to your Coinbase account
- Spend your crypto anywhere Visa is accepted
- Switch between cryptocurrencies on the fly
- Earn up to 8% cryptoback in X-Points
- One of the oldest crypto cards companies
- Available in all 50 states (excluding New York)
- Usable wherever debit cards are accepted
- Get up to 3% back in cryptocurrency with no annual fee
- Available in all 50 US states
- Most crypto cards are debit based but Gemini Mastercard is an actual credit card
- Backed by the most regulatory-compliant bitcoin exchange in the world
- Very competitive 3% cashback on most transactions
- Non-custodial wallet for cashback rewards
- Additional rewards program called Plutus Perks
- Currently only available to Europeans
- Concierge services are available 24/7 to help you with travel, accommodations, and more
- Largest coverage amongst any card provider, with over 180+ countries.
- No fees for funding your card with fiat
1. Crypto.com – Best Crypto Rewards Credit Card
The Crypto.com Visa Card is a prepaid debit option provided by Foris, Inc. that effortlessly transforms your cryptocurrency into spendable cash. It offers a tiered system featuring five levels: Midnight Blue, Ruby Steel, Royal Indigo & Jade Green, Frosted Rose Gold & Icy White, and Obsidian.
Why Choose Crypto.com?
Opt for the Crypto.com Visa Card if you’re looking for a reliable way to leverage cryptocurrency for daily expenses while benefiting from exclusive perks and rewards.
How to Earn Crypto with Crypto.com
To earn crypto with the Crypto.com Visa Card, spend using your card on eligible purchases and receive up to 5% back in CRO tokens. The more you use the card, the more rewards, which can then be reinvested or converted as you see fit.
My experience using Crypto.com
“The Crypto.com Visa Card really transformed how I handle everyday spending. It’s about getting the most out of my investments each time I swipe my card. The quick conversion and rewarding system are super smooth, too, which makes it a no-brainer to suggest to fellow crypto fans.”
- Up to 8% crypto cashback on all purchases
- Huge amount of available perks, including free Netflix, Spotify and Airport Lounge access
- Unique CRO staking model offers five different tiers of cards
- High-quality premium metal cards
Pros & Cons
Pros
Up to 5% cashback on spending
Instant cryptocurrency conversion
Competitively low transaction fees
Premium cardholder benefits, including airport lounge and event access
Additional perks like free Spotify, Netflix and Amazon Prime
Cons
Lower-tier cards have limited free ATM withdrawals & a 2% fee on amounts exceeding this limit
Not all merchants qualify for rewards
Higher-tier cards mean increased CRO
1% top-up fee
2. Coinbase – Best for Spending Flexibility in Crypto/USD
Coinbase is a Visa debit card that ties directly into your Coinbase account and allows you to use your cryptocurrency holdings for purchases anywhere Visa is accepted.
Why Choose Coinbase?
Coinbase delivers an easy way to use your investments for daily buys while keeping full control over all assets.
How to Earn Crypto with Coinbase
Use the Coinbase Card to earn crypto for your purchases. Depending on the transaction category, you can get up to 4% back in cryptocurrencies like Bitcoin or Stellar Lumens.
My experience with Coinbase Card
“I found the Coinbase Card very straightforward to use and highly secure. Also, the crypto rewards system is a real bonus and managing the card through the app is incredibly user-friendly, from setting PINs to tracking spending.”
- Visa card backed by one of the most reliable companies in cryptocurrency
- Links to your Coinbase account
- Spend your crypto anywhere Visa is accepted
- Switch between cryptocurrencies on the fly
Pros & Cons
Pros
Robust security with 2FA, faceID, touchID, and card freeze options
Earn up to 4% back in crypto rewards
Supports multiple cryptocurrencies and fiat
Not available in Hawaii
Cons
Rewards not available at all merchants
Potential tax implications on crypto conversions
Requires a Coinbase account
3. Wirex – Best Crypto Credit Card for Multi-Currency Crypto
Wirex is a robust multi-currency crypto debit card that allows users to easily manage and spend crypto and traditional currencies by moving funds from their accounts, accepting transfers, or utilizing third-party payment services.
Why Choose Wirex?
Go for the Wirex Card if you’re looking for the ability to handle multiple crypto and fiat currencies in one convenient platform with competitive rewards.
How to Earn Crypto with Wirex
To earn crypto with Wirex, use your Wirex card for everyday purchases to earn up to 8% back in Cryptoback rewards, which are automatically deposited into your account.
My experience with Wirex
“I love using my Wirex Card for daily expenses and travel. It’s incredibly efficient to switch between currencies and the cryptoback rewards really add up. The security features give me peace of mind, knowing my funds are safe no matter where I am.”
- Earn up to 8% cryptoback in X-Points
- One of the oldest crypto cards companies
- Available in all 50 states (excluding New York)
- Usable wherever debit cards are accepted
Pros & Cons
Pros
Up to 8% Cryptoback rewards on all purchases in X-Points
No foreign exchange fees or top-up fees
Enhanced security features
24/7 customer support
Cons
2% ATM withdrawal fee on amounts over $200 per month
Some geographic restrictions may apply
Immediate KYC verification required
4. Gemini – Best Crypto Credit Card for Instant Rewards
The Gemini Credit Card by WebBank operates on the Mastercard network to instantly reward every purchase with cryptocurrency through black, silver, or rose gold metal cards.
Why Choose Gemini?
The Gemini Credit Card allows you to earn rewards in Bitcoin, Ether, or any of the 50+ cryptocurrencies available; plus, it’s the only card that instantly deposits your crypto rewards into your account the moment you make a purchase.
How to Earn Crypto with Gemini
Use the Gemini credit card and get up to 3% cryptoback on dining, 2% on groceries, and 1% on other purchases, with rewards directly deposited into your account.
My experience using Gemini
“The instant system is as straightforward as it can get, and managing everything through the app is incredibly efficient. This card has truly modernized how I benefit from my spending.”
- Get up to 3% back in cryptocurrency with no annual fee
- Available in all 50 US states
- Most crypto cards are debit based but Gemini Mastercard is an actual credit card
- Backed by the most regulatory-compliant bitcoin exchange in the world
Pros & Cons
Pros
No annual fees
Offers exclusive deals with major merchants like DoorDash and Lyft
No top-up or foreign transaction fees
Advanced security features like Mastercard ID Theft Protection
Instant rewards
Cons
Reward rates for dining are capped at $6,000 annually, after which the rate drops to 1%
No intro APR
5. Plutus – Best Crypto Credit Card for Europeans
Plutus is a London-based company that was established in 2015. It offers users the ability to purchase items and earn rewards using both fiat currency and crypto, at over 70 million merchants.
Why Choose Plutus?
You should definitely take a closer look at the Plutus Card if you’re situated in Europe. Many users within the continent see it as one of the top crypto options due to its cashback rewards program and numerous other perks.
How to Earn Crypto with Plutus
You earn a percentage of your purchases in the form of Pluton, a cryptocurrency developed by Plutus. In turn, these can be then redeemed for rewards or converted back into your preferred cryptocurrency. Plus, you can trade the crypto with fellow Plutus users using the decentralized exchange (DEX).
My experience with Plutus
“My experience with Plutus has been nothing but excellent. The minimum guaranteed 3% cashback on Visa debit card purchases is impressive, and the non-custodial wallet support is nothing less convenient.”
- Very competitive 3% cashback on most transactions
- Non-custodial wallet for cashback rewards
- Additional rewards program called Plutus Perks
- Currently only available to Europeans
Pros & Cons
Pros
Up to 9% cryptoback rewards on eligible purchases
3% minimum guaranteed cashback on Visa debit card purchases
Affordable plans
Close-knit community
Stable Plutus token
Non-custodial wallet: Supports Trust, Metamask, Walletconnect
Cons
Not available in the US (only EU/UK)
Proof of receipt may be required by the fraud team
6. Crypterium Visa Card – Best fee-based crypto credit card available worldwide
Launched amid the 2017 ICO frenzy, Crypterium offers a comprehensive crypto service suite, including the globally available Crypterium Visa card. Despite concerns about its proprietary token, the card integrates seamlessly with Crypterium’s wallet, exchange, and banking services.
Why Choose Crypterium?
The good thing about going for the Crypterium card is that the fees are not absurd, and the platform also supports a good mix of crypto assets. Plus, you can top up with BTC, LTC, or ETC, access cash at ATMs across more than 200 countries, and make online and in-store purchases at over 42 million retailers worldwide.
How to Earn Crypto with Crypterium
Earn cryptocurrency with Crypterium by participating in their savings account program, which offers competitive interest rates on your crypto deposits. Additionally, you can take advantage of the referral program to get bonuses when new users sign up and transact using your special link.
My experience using Crypterium
“I’ve always seen Crypterium as a solid choice; it’s user-friendly and really effective for keeping track of crypto. I’m happy with how smoothly everything runs and the strong security measures they have in place, which keeps me using it without worries.”
- Fee-based crypto credit card that is available worldwide
- Crypto assets are fully insured
- Supports a wide variety of different digital assets including BTC, ETH and LTC
- Solid app that makes controlling your finances easy
Pros & Cons
Pros
Available in countries typically underserved by cryptocurrency card services
Protected asset storage
Forecasting tools
Opportunities for savings
Cons
Monthly charge of $2.99 (waived if the monthly spending exceeds $299)
Previous issues with security and dependability
Limited to only 19 cryptocurrencies
Lacks cash back incentives
7. Monolith – Best crypto visa card
Monolith by Token Group Limited supports Ethereum (+ any ERC20-token) and is currently available in over 31 European countries. Unfortunately, not in the US. The most captivating element about its Visa debit card is that it lets you use your tokens as fiat currency anywhere that accepts it.
Why Choose Monolith?
The card supports EUR and GBP and can be widely used in over 45 million locations. Furthermore, you’re able to track your spending in real-time by getting instant updates, and the crypto/fiat exchange fee stands at 0%!
How to Earn Crypto with Monolith
With Monolith, you can boost your crypto holdings by participating in their detailed staking initiative; simply deposit your tokens for a set duration to earn interest.
My experience using Monolith
“I travel a lot around Europe and found using Monolith pretty straightforward. It’s got a clean interface and solid security measures. But, I do wish they offered more variety in tokens and were clearer about their fees—it took me a while to figure those out.”
- Users retain custody of their cryptocurrency
- Can be used anywhere Visa is accepted
- Not currently available in the United States
- Based entirely on Ethereum
Pros
Maintain possession of your keys with a non-custodial Ethereum wallet
Free to sign up
No recurring monthly charges
Cons
Doesn’t offer cashback on transactions
Charges a top-up fee of up to 2%
Not accessible in the US
Supports only ETH and specific ERC-20 tokens
Lacks benefits like Netflix or Amazon Prime rebates
8. Uphold – Best Mastercard Credit Card
The Uphold multi asset trading platform incorporates some of the features of a crypto exchange into a forex trading app and an online brokerage. It allows access to over 260 cryptocurrencies and enables trading traditional currencies, precious metals, and stocks, too.
Why Choose Uphold?
If you’re a digital currency investor and want access to many tradable tokens and coins, I highly recommend using Uphold. You can do so without the need to convert into cash first, plus there’s no need to wait for the fund to be cleared.
How to Earn Crypto with Uphold
You can buy, sell, and trade any of the assets Uphold offers, including crypto, but also precious metals, and other fiat currencies. It’s because the platform in itself is a cryptocurrency exchange.
My experience with Uphold
“My time with Uphold has been pretty positive. The intuitive design made setting up an account and beginning to trade straightforward. I found their debit card very useful, too, allowing me to use my crypto, metals, and fiat money easily. Additionally, the option to stake various cryptocurrencies for extra rewards has been a great feature that I regularly take advantage of.”
- Simple but effective card for using your crypto for everyday purchases
- Up to 2% (XRP) cashback available to users
- No foreign transaction fees or annual fees
- Spend directly from your Uphold trading account, no need to add funds to the card
Pros & Cons
Pros
Intuitive and simple to set up
Wide range of cryptocurrencies
Low deposit minimum
No withdrawal/deposit fees
Trade fiat currencies and precious metals
Sophisticated security measures
Highly rated mobile app for iOS and Android
Cons
No discounts for high-volume purchases
Customer support is limited
Equity trading is unavailable in the U.S.
9. Unbanked (formerly Ternio BlockCard) – Best Blockcard Crypto Credit Card
Unbanked is a global fintech platform that integrates traditional banking and fintech systems with blockchain technology. This enables the real world application of cryptocurrency for investments and everyday purchases.
Why Choose Unbanked?
With Unbanked, you can use cryptocurrency to make purchases at over 50 million VISA-accepting merchants. However, rather than just providing a simple crypto debit card, such a platform also allows a growing set of tools that streamline buying cryptocurrency and integrating it into your everyday life.
How to Earn Crypto with Unbanked
The Blockcard is a crypto debit card centered around the TERN token. Therefore, you must stake TERN to earn crypto, and cashback rewards will be issued.
My experience with Unbanked
“Super positive! For starters, the debit card is very handy for making everyday purchases with crypto since it integrates smoothly into my routine; plus, whenever I had questions, their support team always got back to me in a matter of a few minutes.”
- Impressive cashback rewards
- Excellent referral program
- Accepts a variety cryptos including BTC, BAT & ETH
- FDIC insured checking account for BlockCard customers
Pros & Cons
Pros
Increasing rewards with higher spending
Up to 6.38% cashback rewards potential
Earn bonus TERN for referrals
Visa card
Cons
Rewards only paid in TERN
Monthly fee if spending is below $750
Why is Vemno One of Our Favourite Crypto Credit Card?
The Venmo Credit Card eliminates annual fees and specializes in optimizing rewards. It’s ideal for social spenders who enjoy sharing costs with friends via the Venmo app and earning crypto rewards.
Go for Venmo if you’re looking for a crypto cashback card. It’s perfect if you frequently use Venmo for transactions and want to transform cashback into cryptocurrency.
Some key features highlighted here:
- Earn up to 3% cashback on your top spending category
- Convert cashback directly into cryptocurrency via the app
- Supports Apple Pay, Google Pay, and Samsung Pay
- Rewards available on groceries, travel, dining, utilities, and much more.
My experience with Venmo
“I absolutely love using the Venmo Visa Card. It really simplifies splitting bills with friends and earning crypto rewards. Every swipe feels like I’m cashing in, which is awesome.”
- Concierge services are available 24/7 to help you with travel, accommodations, and more
- Largest coverage amongst any card provider, with over 180+ countries.
- No fees for funding your card with fiat
Steps To Keep In Mind Before Choosing Crypto Credit Cards
The nine crypto debit or credit cards we’ve listed above are all winners for different reasons. Yet, the perfect match will depend on what you value most. Here are a few tips to consider when making the ultimate choice:
- Rewards – Prioritize cards that give you solid crypto cashback for your purchases. The more generous the rewards, the more you earn back from regular spending.
- Introductory Offers – Look out for cards that boost your cashback rates for the first few months you have them. This is an excellent strategy to rack up some additional crypto fast.
- Fees – Analyze the card’s fee structure and look for low annual fees and minimal transaction costs. For example, the Crypto.com Visa Card charges a 1% fee for topping up with a debit card and a 2% fee for ATM withdrawals that exceed the set monthly limits.
- Acceptance – Make sure the card is accepted universally by a wide range of online and offline merchants.
- Security Features – Opt for a card with robust security measures such as encryption, two-factor authentication, fraud protection, and real-time transaction alerts to protect your funds.
- Reputation – Consider the provider’s reputation by looking up reviews, media coverage, and social media engagement to ensure they offer reliable service and have a history free of major security issues or controversies.
- Cashback rewards – Check out the variety of cashback and benefits different cards offer, which usually vary from 1% to 5% back on your spending.
More Crypto Credit Cards We’ve Reviewed
- Shakepay – 2% cashback on first $5,000, Apple Pay & Google Pay compatible, Up to 4% cashback via referrals, Direct Shakepay connection, Top-notch user support.
- Bitwala – Crypto-friendly bank account, earns interest on crypto, non-custodial storage, founded in 2015, low 1% trading fees, free global ATM withdrawals.
- Change – Equity token, multiple crypto services, 14 assets, 2% APR, commission-free Bitcoin, low fees.
- Tenx – Founded 2015, PayPal incubated, mobile app, virtual Visa, worldwide acceptance.
- Swipe – 50M+ locations, 4 tiered cards, selected no foreign fees, 5% cashback, Samsung/Apple/Google Pay compatible.
- Nexo io – Accepted at 40M+ merchants, app control, 2% cashback, virtual cards, tax benefits from crypto.
- Advcash – Visa/Mastercard support, use without verification, USD in Europe, free ADV user transfers, multi-currency, Binance partner, no proprietary token.
- Bitpay – Oldest Bitcoin firm, reputable, no monthly fees, Bitpay app integration, US available, no loading fees.
- BlockFi – Real credit card, 1.5% Bitcoin cashback, 3.5% initial 90-day bonus, earns yield on rewards.
FAQs
Crypto credit cards let you borrow money based on your crypto assets to buy things. You’ll obviously have to pay this money back later. Crypto debit cards, however, let you use the crypto in your wallet directly and turn it into fiat money right when you pay.
If you like the idea of using crypto credit cards for daily payments, then getting a crypto bank card makes a lot of sense for you. Plus, you’ll be able to start collecting rewards, too.
For credit card purchases, you gotta go for sites like Crypto.com. Other major credit card companies are pretty cautious and usually don’t let you transact with crypto because of its volatility.
Big names in crypto like Coinbase, Binance, and Kraken all let you buy crypto with a credit card. It’s a quick way to start if you’re new to the scene.
Yes, when you buy something with a crypto debit card, it might count as selling your crypto, which could mean you have to pay taxes on any profit you make, depending on where you live.
Sure, if the crypto card works everywhere you need it and does everything your regular card does, you can totally switch over.
Yeah, Bitcoin credit cards are very safe. They have the usual security properties like PINs and alerts for any weird activity. Just make sure you keep an eye on the sensitive details like you would with any other card.
If you’re eyeing a card stacked with features, the Crypto.com Visa might be right up your alley—think 5% back on your spending and perks like free lounge access and streaming subscriptions. Need more control over your crypto and cash? The Coinbase Card could be the answer. It comes with solid security and rewards of up to 4%. Wirex offers great rewards to those juggling several currencies, and Gemini is your go-to for instant crypto returns on everyday spending. If you’re over in Europe, the Plutus Card dishes out hefty cashback and benefits tailored to your region.
