How the Best Crypto Credit Cards Compare
Choosing the best crypto credit card depends on your needs and financial goals. Some investors just want a simple card that lets them spend their digital assets in the real world. Other users are looking to earn rewards when they spend normal cash. We’ve focused on important factors like rewards, fees, and unique features to help you decide which card aligns best with your preferences.
Credit Card
Best For
Rewards
Fees
Easy spending from Coinbase wallet
Up to 4% back in tokens (BTC, XLM, etc.)
No annual fee; 2.49% liquidation fee (except USDC)
High rewards & global perks (with staking)
Up to 5% back in CRO (tiered, staking required)
No annual fee; fees vary by tier
Instant, flexible digital rewards
Up to 4% back (gas), 3% (dining), 2% (groceries), 1% (other) in 50+ coins
No annual or FX fees
Coinbase – Best for Spending Flexibility in Tokens/USD
The Coinbase card is a Visa debit card that ties directly into your Coinbase account and enables you to use your digital asset holdings for purchases anywhere that Visa is accepted. Our Coinbase Visa Card Review breaks down all the advantages and disadvantages of this particular card, in detail.
Why flexibility matters
Coinbase provides an easy way to use your investments for daily purchases while keeping full control over all assets. Besides the fact that you can shop at over 40 million merchants globally, you can also pick and choose how you want your rewards paid out.
Earn coin-back rewards
Use the Coinbase Card to earn coins 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 the Coinbase Card
“I found the Coinbase Card very straightforward to use and highly secure. Also, the rewards system is a real bonus.”
- 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
Uphold – Best MasterCard Credit Card
Uphold enables access to over 260 tokens and facilitates trading traditional currencies, precious metals and stocks. The platform’s crypto-enabled card gives you the flexibility to spend directly from the integrated wallet. With 0% foreign transaction fees, it is also one of the lowest cost options on the market.
The power of easy conversions
If you’re a digital currency investor and want access to many tradable tokens and coins, we highly recommend using Uphold. You can do so without the need to convert into cash first, and there’s no need to wait for your funds to be cleared.
Earn XRP by using your card
You can buy, sell, and trade any of the assets Uphold offers, including coins, precious metals, and fiat currencies. You will receive up to 2% cashback, paid in XRP, when you use your Uphold card. Of course, the rewards do not end with bonus tokens. Find more of the advantages associated with this card in our detailed Uphold card review.
My experience with the Uphold card
“My time with the Uphold card 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 virtual assets, metals, and fiat money easily.”
- 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
Crypto.com – Best Crypto Rewards Credit Card
The Crypto.com Visa Card is a prepaid debit option provided by Foris, Inc. that effortlessly turns your tokens into spendable cash. The Crypto.com Visa Card works on a tiered system with five levels: Midnight Blue, Ruby Steel, Royal Indigo & Jade Green, Frosted Rose Gold & Icy White, and Obsidian. Each level comes with its own, exclusive rewards, which we break down in detail in our Crypto.com Visa Card Review.
What you really get back
Opt in for this card if you’re looking for a reliable way to use your coins for daily expenses, while benefiting from exclusive perks and rewards. Loyal users do not only have extra CRO tokens to look forward to, but can also take advantage of rebates on services like Spotify or Netflix.
Climb the tiers, maximize the gains
To earn rewards with this 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 you receive. These rewards can then be reinvested or converted as you see fit.
My experience using the Crypto.com Visa Card
“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.”
- 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
Gemini – Best Crypto Credit Card for Instant Rewards
The Gemini Credit Card is one of the most well-rounded credit cards on the market. Our Gemini MasterCard review explores the good, the bad and the ideal use case for this versatile card. It operates on the MasterCard network to instantly reward every purchase with tokens through the sleek black, silver, or rose gold metal cards.
Get rewarded in real time
The Gemini Credit Card enables you to earn rewards in Bitcoin, Ether, or any of the 50+ coinss available on the platform. It’s the only card that instantly deposits your token rewards into your account the moment you make a purchase.
Spend and earn instantly
Use the Gemini credit card and get up to 3% coins back on dining, 2% on groceries, and 1% on other purchases, with rewards directly deposited into your account.
My experience using the Gemini card
“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
Smart Choices Start with These Key Considerations
With so many rewards at stake, it is important to choose carefully. These are important factors to consider before you make your final decision:
- Fees: Check if the card has an annual fee or transaction fees and assess if the rewards outweigh this cost. Also, keep an eye out for any additional fees that may impact your virtual asset earnings.
- Rewards Structure: Choose a solution with rewards that fit your spending habits (e.g. higher returns on specific purchases).
- Conversion Options: Verify how easily you can convert token 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.
Your Assets, Your Rules: Safety Features You Can’t Ignore
When it comes to credit cards, the stakes for security are especially high. The harsh reality is that once digital assets are stolen, they are almost always unrecoverable, and there is no central authority to reverse fraudulent transactions. If your card or account is compromised, recovering lost assets is extremely difficult, and the consequences can be immediate and severe. Digital assets are valuable and highly targeted by hackers, so robust security is important to protect your funds and your personal information.
Safety First: Best Practices for Spending with a Crypto-Linked Card
The best crypto credit card providers invest in advanced technologies like encryption, biometric authentication, and two-factor authentication (2FA) to help keep your assets safe. However, the responsibility for safety doesn’t end with the provider. You have to make sure your assets are safe and secure.
- If your provider allows for the setting of spending alerts and limits, enable them to spot and catch any unauthorized transactions immediately.
- Segregate your tokens. Save some for spending (on your card), but store the majority in a secure wallet.
- Always double-check merchant restrictions and withdrawal fees, before you complete a transaction.
- Enable 2FA on your card apps (or the portal through which you manage your card) to limit access to your precious assets.
- Stay on top of the tax implications of your virtual spending.
- For large holdings, stick to the safest crypto walletsto store your private keys offline.
A Complete Guide to Cryptocurrency Card Options
Owning a crypto card is a great way to integrate Web3 finance into your everyday life. However, not all cards work the same way. From prepaid, to credit, understanding how all the different types of cards function is an important step in finding the spending solution that is right for you.
| Type | Description |
|---|---|
| Debit cards | Links directly to your DeFi wallet, instantly converting your tokens at the point of sale. Most of the cards that made our list fall into this category, as this system allows you to spend like you would with any normal debit card (and even make withdrawals from some Bitcoin ATMs) |
| Credit cards | Allow you to purchase, and pay off the balance later. As an added bonus, you usually get some kind of tokenized reward or extra bonus for settling your account. |
| Prepaid cards | Allow you to load your tokens ahead of time, so that your digital assets can be converted for specific purchases. |
What Credit Cards Allow Crypto Purchases?
Most major credit card brands have now embraced the digital asset revolution. If you’ve made it this far, you already know that there are various crypto-backed cards that you can use to purchase everyday items with digital assets (and earn some exclusive rewards in the process). However, there are two sides to this proverbial coin. That’s right, you can also purchase tokens with your Visa, MasterCard, and American Express credit cards on select exchanges.
Check out our Buying Crypto Guide for a more detailed explanation.
How to get started with a crypto credit card
Applying for a card is usually pretty straightforward. Most providers require you to complete a simple identity verification (KYC) process. Fortunately, the best exchanges on the market now have their own cards, which simplifies this identity verification process considerably. Some providers may ask you to stake a certain amount of their platform’s token to unlock higher rewards or premium benefits.
The real appeal of these cards is their convenience. You can spend your digital assets as easily as cash and earn rewards in crypto. Most cards also come with robust security features, such as two-factor authentication, fraud protection, and real-time spending alerts, helping to keep your assets safe.
Ready to Unlock the Full Potential of Your Crypto?
These cards are changing how we spend, earn, and interact with digital assets. Whether you’re looking for instant rewards, flexible spending options, or premium perks, today’s leading cards offer a solution for every type of user.
When you choose the right card and prioritize security, you can easily integrate tokens into your everyday life and maximize the value of every purchase. Explore your options, compare features, and take the next step toward a more rewarding financial future with the best crypto credit card for you.
FAQs
These cards can be worth it if you want to earn rewards on everyday spending, especially if you believe in the long-term growth of digital assets.
The best cards on the market represent an incredible opportunity to earn extra tokens, integrate your favorite cryptocurrency apps into your daily life, and spend your digital assets on-the-go.
The most exclusive credit card is widely considered to be the Centurion Card from American Express, known for its elite perks and invitation-only status. It is, however, not a crypto credit card. If you’re looking for a strong tokenized card to incorporate into your spending habits, we suggest trying out the Coinbase card, Uphold card, Crypto.com card, Gemini card, or Swipe card.
These debit and prepaid cards do not affect your credit score. However, some credit cards, like the Gemini MasterCard, may influence your score if they report to credit bureaus. Coin holdings themselves do not directly affect your credit score, but using the profits derived from digital assets to pay off debt, can indirectly improve it.
Crypto credit cards make digital currencies practical for everyday use, bridging the gap between traditional finance and DeFi. These cards work much like regular credit or debit cards, but instead of drawing from a bank account, they link directly to your digital asset wallet or exchange balance. When you make a purchase, your tokens are automatically converted into local currency, enabling you to pay with digital assets at millions of merchants worldwide (without any extra steps).
CryptoVantage Best Crypto Credit Cards
Last Updated Article: January 5, 2025 by
