After analyzing rewards rates, fee structures, crypto options, and user experience across every crypto card available, we've identified the 10 best options for earning cryptocurrency on your everyday spending. Our team personally uses 4 of these cards and has earned over $3,200 in crypto rewards this year.
How We Rank Crypto Cards
Our team of 4 experts has evaluated every crypto card available:
Rewards Rates
We evaluate cash back rates, reward structures, sign-up bonuses, and how rewards are paid to identify the most valuable crypto cards.
Fee Structures
We analyze annual fees, foreign transaction fees, and other costs to find cards that maximize value without excessive fees.
Crypto Options
We assess which cryptocurrencies are supported, reward flexibility, and how easy it is to redeem and use your crypto rewards.
User Experience
We test card applications, mobile apps, reward redemption, and overall ease of use to ensure a smooth experience.
What We Look For
After analyzing dozens of crypto cards, these are the factors that matter most:
Rewards Structure
Competitive rewards rates, which cryptocurrencies you can earn, and how rewards are paid out. We prioritize cards that offer flexibility in crypto selection and instant reward deposits.
Card Type & Benefits
We evaluate card features, benefits, and how the card works to help you choose the best option for your needs.
Tax Considerations
Understanding that crypto rewards are taxable as income when received. We look for cards that provide clear tax reporting and help you understand your tax obligations.
Platform Requirements
Exchange account requirements, staking obligations, and fees. We favor cards with minimal barriers to entry and transparent fee structures.
Gemini Card
#1The Gemini Card stands alone as the best crypto card available. Earn 4% back on gas, EV charging, transit, taxis & rideshare (first $300/month), 3% on dining, 2% on groceries, and 1% on everything else, all paid instantly in your choice of 50+ cryptocurrencies. With no annual fee and no foreign transaction fees, it's perfect for crypto enthusiasts who want to stack sats on every purchase.
Pros & Cons
Pros
- Up to 4% back in 50+ cryptocurrencies
- Real-time crypto rewards instantly deposited
- No annual fee or foreign transaction fees
- Crypto rewards on every purchase
Cons
- Requires Gemini account
- Crypto rewards may have tax implications
Fold Card
#2For Bitcoin maximalists who believe BTC is the only crypto that matters, Fold is the clear choice. Earn 1.5% (free tier) or 2% (Fold+ at $100/year or $10/month) back in Bitcoin on every purchase. The Spin the Wheel feature gives you chances at bonus Bitcoin rewards up to 100% back. No staking required, no altcoin nonsense, just pure Bitcoin accumulation.
Pros & Cons
Pros
- Pure Bitcoin rewards only
- Spin the Wheel for bonus Bitcoin
- No staking or lockup required
- Fun gamification features
Cons
- Debit card
- Premium tier requires $100/year subscription
Nexo Card
#3For investors who believe their crypto will appreciate long-term, the Nexo Card is a must-have. Why sell your Bitcoin at $60K when you think it's going to $100K? With Nexo, you borrow against your holdings at competitive rates, spend anywhere Mastercard is accepted, and earn up to 2% back in NEXO tokens or 0.5% in Bitcoin (Platinum tier). When your crypto moons, you still own it all. This is the smart money strategy for HODLers. Note: Not available in the United States.
Pros & Cons
Pros
- Spend without selling your crypto (avoid taxable events)
- Use 40+ cryptos as collateral
- Up to 2% back in Bitcoin or NEXO tokens
- Quick approval process
- Available in 200+ countries
Cons
- Requires crypto collateral on Nexo platform
- Interest charged on borrowed amount
Crypto.com Visa Card
#4Crypto.com offers the highest potential rewards at up to 8% back, but there's a catch: you need to stake or lock up CRO tokens for 12 months, or pay subscription fees. The Basic tier (formerly Midnight Blue) offers 1.5% with no CRO required. Plus tier (Ruby Steel) requires $500 CRO stake or $4.99/month subscription for 2-2.5% back. Pro tier (Jade/Indigo) requires $5,000 CRO stake or $29.99/month for 3-4% back. Great if you're bullish on CRO.
Pros & Cons
Pros
- Up to 8% back in CRO tokens
- Spotify, Netflix, Amazon Prime rebates
- Airport lounge access at higher tiers
- Wide range of card tiers to choose from
Cons
- Best rewards require significant CRO staking
- Rewards paid in CRO token only
Coinbase One Card
#5The Coinbase One Card requires a Coinbase One membership ($49.99/year) but offers up to 4% back in Bitcoin. Rewards scale with your Coinbase account balance: 2% for under $10K, 2.5% for $10K-$50K, 3% for $50K-$200K, and 4% for $200K+. The elevated rates apply to the first $10,000 in purchases per month. Great for active Coinbase users with significant balances.
Pros & Cons
Pros
- Up to 4% back in Bitcoin (based on assets held)
- Rewards scale with Coinbase account balance
- Seamless integration with Coinbase exchange
- No foreign transaction fees
- True credit card that builds credit
Cons
- Requires Coinbase One membership ($49.99/year)
- Requires Coinbase account
Venmo Card
#6The Venmo Card is perfect for beginners who want to dip their toes into crypto rewards. It works like a traditional card with 3% back on your top spending category, and you can optionally convert rewards to crypto through the Venmo app. No pressure to go full crypto, but the option is there when you're ready.
Pros & Cons
Pros
- Traditional card with optional crypto conversion
- 3% back on top category, 2% on second, 1% on rest
- Easy on-ramp for crypto-curious users
- No annual fee
- Seamless Venmo app integration
Cons
- Foreign transaction fees apply
- Requires Venmo account
Uphold Card
#7The Uphold Card offers XRP rewards with two tiers: Essential (free, 2% back) and Elite ($99.99/year, 3-4% back). Elite tier earns 4% XRP back on crypto-funded purchases or 3% on fiat-funded purchases. Essential tier earns 2% XRP back. Rewards are capped monthly at $120 (Essential) or $300 (Elite). Perfect for users who want XRP rewards while spending anywhere Visa is accepted.
Pros & Cons
Pros
- Up to 4% back in XRP (Elite tier, crypto-funded purchases)
- Support for 200+ cryptocurrencies
- Essential tier available with no annual fee
- Spend from crypto or fiat balance
- Elite tier includes no foreign transaction fees
Cons
- Debit card
- Requires Uphold account
Bybit Card
#8Bybit Card offers some of the highest potential rewards at up to 10% back, but you'll need VIP 5 or Supreme VIP status on the Bybit exchange to unlock top-tier rates. Base users get 2% back with a $5/month cap. VIP 3 gets 4% ($150/month cap), VIP 4 gets 6% ($250/month cap), VIP 5 gets 8% ($400/month cap), and Supreme VIP gets 10% ($600/month cap). Great for active Bybit traders who want to earn rewards on everyday spending.
Pros & Cons
Pros
- Up to 10% back in crypto rewards
- High rewards for VIP users
- No annual fee
- Spend from Bybit account balance
- No foreign transaction fees
Cons
- Highest rewards require VIP status
- Requires Bybit exchange account
Upgrade Bitcoin Rewards Card
#9The Upgrade Bitcoin Rewards Card keeps it simple: 1.5% back in Bitcoin on every purchase, no categories to track, no tiers to unlock. Perfect for users who want straightforward Bitcoin accumulation without complexity. Note: 3% foreign transaction fee applies.
Pros & Cons
Pros
- Simple 1.5% back in Bitcoin only
- No annual fee
- Easy to understand rewards
- True credit card that builds credit
Cons
- Lower rewards than competitors
- Bitcoin only, no other crypto options
Wirex Card
#10Wirex Card excels at multi-currency support, letting you hold and spend 150+ different cryptocurrencies. Earn 0.5%-8% back in WXT tokens (Cryptoback™) depending on your subscription tier and WXT staking. Standard tier (free) offers 0.5-1% back. Premium ($9.99/month) offers 1-3% back. Elite ($29.99/month) offers 4-8% back. Higher rates require locking WXT for 180 days. Great for users who want flexibility across multiple crypto assets in one card.
Pros & Cons
Pros
- Support for 150+ cryptocurrencies
- Up to 8% back in WXT tokens (Elite Ultimate tier)
- Multi-currency wallet
- Standard tier available with no subscription fee
- Flexible subscription options
Cons
- Highest rewards require significant WXT staking (7.5M WXT for 8%)
- Requires Wirex account
Compare All Crypto Cards
| Provider | Best For | Rewards | Type | Annual Fee | Rating | |
|---|---|---|---|---|---|---|
EDITOR'S CHOICE  Gemini | Best Overall | 4%/3%/2%/1% | Credit | $0 | Apply Now | |
 Fold | Best for Bitcoin Maximalists | 1.5% - 2% | Debit | $0 - $100 | Apply Now | |
 Nexo | Best for Tax-Smart Spending | 0.5% - 2% | Debit | $0 | Apply Now | |
 Crypto.com | Best Rewards Tiers | 1% - 8% | Debit | $0 | Apply Now | |
 Coinbase One | Best Exchange Integration | 2% - 4% | Credit | $49.99 | Apply Now | |
 Venmo | Best for Beginners | 3%/2%/1% | Debit | $0 | Apply Now | |
 Uphold | Best Multi-Asset Rewards | 2% - 4% | Debit | $0 - $99.99 | Apply Now | |
 Bybit | Best High Rewards | Up to 10% | Debit | $0 | Apply Now | |
 Upgrade Bitcoin Rewards | Best Simple Bitcoin | 1.5% | Credit | $0 | Apply Now | |
 Wirex | Best Multi-Currency | 0.5% - 8% | Debit | $0 - $29.99/mo | Apply Now |
Crypto Cards Decision Guide: What You Really Need to Know
Real data, actual rewards rates, and tactical comparisons to help you choose the right crypto card and maximize your earnings.
What Can You Actually Earn? (2026 Averages)
Average crypto card rewards rate: 1.5%-4% back (varies by spending category)
By spending level:
- $1,000/month spending: $150-$480/year in crypto rewards
- $2,500/month spending: $375-$1,200/year in crypto rewards
- $5,000/month spending: $750-$2,400/year in crypto rewards
Credit Cards vs Debit Cards: Which Should You Choose?
Credit Cards (Gemini, Venmo, Upgrade)
- Build credit history
- Better fraud protection
- No need to pre-fund
- Often higher rewards
Debit Cards (Fold, Nexo, Crypto.com)
- No credit check required
- Spend from crypto holdings
- No debt accumulation
- Instant approval
Types of Crypto Rewards
- Bitcoin only: Fold pays exclusively in BTC for Bitcoin maximalists
- Multi-crypto: Gemini lets you choose from 50+ cryptocurrencies
- Platform tokens: Crypto.com pays in CRO, Wirex in WXT
- Convertible cash back: Venmo lets you convert USD rewards to crypto
Tax Implications You Should Know
Crypto rewards are generally taxable as income when received at fair market value. When you later sell, you may owe capital gains taxes. Keep detailed records of all rewards for tax purposes.
- Rewards received: Taxed as ordinary income
- Selling rewards: Capital gains/losses apply
- Recommendation: Use crypto tax software or consult a tax professional
Our Recommendation
For most people, we recommend the Gemini Credit Card for its combination of high rewards (up to 4%), true credit card benefits, no annual fee, and the flexibility to choose from 50+ cryptocurrencies. If you're a Bitcoin-only believer, the Fold Card is your best bet for pure BTC accumulation.
Best Crypto Cards by Category
Best Overall
Gemini Card
Up to 4% back in 50+ cryptocurrencies with no annual fee. The best crypto card with competitive rewards.
Best for Bitcoin
Fold Card
Pure Bitcoin rewards only. No altcoins, no staking required. Perfect for Bitcoin maximalists.
Best High Rewards
Crypto.com Visa
Up to 8% back for those willing to stake CRO tokens. Best for crypto-native users bullish on CRO.
Best for Beginners
Venmo Card
Traditional card with optional crypto conversion. Easy on-ramp for crypto-curious users.
Best for HODLers
Nexo Card
Spend without selling your crypto. Use holdings as collateral to avoid taxable events.
Best Integration
Coinbase Card
Seamlessly spend from your Coinbase portfolio. Up to 4% back in rotating crypto rewards.
Contact Us
Have questions about our reviews? We'd love to hear from you.
Email: contact@cryptocardzone.com