Best Crypto Credit Cards and Rewards for 2025

We have gathered the best crypto credit cards and rewards with competitive fees. Both crypto credit cards and debit cards are becoming increasingly popular. This guide ranks each crypto credit card and crypto debit cards by rewards rates, caps, fees, and supported coins. You’ll see who offers bitcoin cashback, where you can purchase crypto with credit card rails, and which perks matter. We’ve tried to keep examples and criteria transparent so you can make a well-informed choice.

What is a crypto credit card?

A crypto credit card is a Visa or Mastercard that pays rewards in digital assets on your everyday purchases. You pay merchants in fiat, and your cashback converts to Bitcoin or other tokens automatically. Rewards can be flat-rate or category-based, often posted as BTC, ETH, or stablecoins.

You still get standard card perks while you stack crypto, unlike crypto debit cards that spend a balance. And some providers let you purchase crypto with credit card in-app, then direct rewards to your wallet. If you’re comparing the best crypto credit cards in the US, check earn rates, fees, payout timing, and supported coins. That said here are some of our best crypto credit cards.

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Gemini credit card

Gemini’s Mastercard World Elite is a true credit card, issued on a traditional revolving line and managed inside the Gemini app. It comes in physical and virtual forms, supports contactless payments, and works with Apple Pay and Google Pay.

You get granular security controls like instant freeze, spend notifications, and location-based safeguards, plus EMV chip and zero-liability protection from Mastercard. Built for everyday use wherever Mastercard is accepted, with straightforward statements and familiar credit-account management.

Crypto rewards

• 3% back on dining.
• 2% back on groceries.
• 1% back on all other purchases.
• Up to 10% back at participating brands via Vault Rewards offers.
• 4% back on gas, EV charging, transit, taxis and rideshares, capped at $300 spend per month, then 1% that month.

Sign-up bonus: $200 in crypto after $3,000 in purchases within the first 90 days for new cardholders approved on or after Nov 18, 2024. No stated end date, and Gemini may end the promo at any time.

Supported countries: Available to U.S. residents only, in all 50 states; commonly cited as including Puerto Rico. Usable worldwide wherever Mastercard is accepted, with no foreign transaction fees.

Supported cryptocurrencies: BTC, ETH, SOL, XRP and 50+ more cryptocurrencies you can choose for rewards, including stablecoins like GUSD, RLUSD and USDC.

Fees and APR:

• Annual fee: $0.
• Late payment fee: Up to $8.
• Cash advance APR: 29.99% variable.
• Foreign transaction fees: None.

Suppose you’re comparing the best crypto credit cards for crypto cashback in the USA. In that case, Gemini’s bitcoin credit card focuses on earning crypto through everyday spending rather than letting you purchase crypto directly with a credit card.

Security

Gemini’s cryptocurrency credit card layers network protections with app-level controls. You get Mastercard Zero Liability and ID Theft Protection, plus the option to lock or unlock the card instantly in the Gemini app. For extra privacy, the physical card doesn’t show the number; you view it securely in-app when needed.

Rewards land in your Gemini account, which uses controls like SOC 2 Type 2 audits, required 2FA, and biometric app security. You can also freeze your account if you suspect risk, and the company operates as a regulated New York trust company. That combination gives this crypto credit card security that feels closer to a bank standard.

How to earn and apply for the card

Choose BTC, ETH, SOL and 50+ more tokens, with rewards deposited instantly and managed in the app. Apply on Gemini’s site, check eligibility with pre-qualification, then complete the application; final approval uses a hard credit check and is available to residents of all 50 U.S. states.

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Nexo card

Nexo’s Mastercard offers two operating modes in one card: a standard debit experience that spends from your balance, and a credit mode that draws on a crypto-backed credit line. Both are managed in the Nexo app with instant freeze or unfreeze, per-card limits, and real-time alerts.

Available as physical and virtual cards, it supports Apple Pay and Google Pay, EMV chip, contactless payments, and works anywhere Mastercard is accepted, with straightforward account statements and controls.

Crypto rewards

• Up to 2% back in NEXO or 0.5% back in BTC on purchases in Credit Mode; exact rate depends on your Loyalty tier.
• Rewards are paid in BTC or NEXO; you can switch the reward currency anytime.
• Loyalty tiers (Base to Platinum) determine your percentage; Platinum is 2% NEXO or 0.5% BTC, Gold is 1% NEXO or 0.3% BTC.
• Eligibility requires an account balance above $5,000 to earn card cashback.
• In Debit Mode, unspent balances can earn daily compound interest (up to 14% on eligible assets) while you keep funds available.

Sign-up bonus: Nexo’s current referral offer lets new users share up to $5,000 in BTC with a referrer after funding and balance-holding requirements. Separately, a time-limited XRP Match campaign gives 5% back in XRP for eligible holdings through November 3, 2025, with payouts by November 10, 2025.

Supported countries: Available to citizens and residents of selected European countries, including the EEA and the UK; Nexo added Switzerland and Andorra in February 2025. Not available in the US at this time.

Supported cryptocurrencies: Spend from your Nexo account across 100+ assets, including BTC, ETH, SOL, and more.

Fees and APR:

• Annual fee: None; no monthly or inactivity fees.
• Late payment fee: N/A (No fixed monthly repayments in Credit Mode; interest accrues on your credit line).
• Cash-advance / Credit line APR: Typically 2.9%–18.9% depending on Loyalty tier and LTV; promo windows may temporarily lower rates.
• Foreign transaction (FX) fees: ~0.2% to 2% depending on currency and context.
• ATM withdrawals: Free up to a monthly tiered allowance; then 2% fee (min €1.99/£1.99).

Security

Nexo reports completing SOC 2 Type 2 and SOC 3 Type 2 audits for 2025, reinforcing platform controls over security and confidentiality. It also holds ISO 27017/27018 cloud privacy certifications. Within the app you can instantly freeze or unfreeze the card and add virtual cards to Apple Pay or Google Pay for tokenized payments.

Digital assets are held with institutional custodians; Ledger Vault coverage includes a $150 million insurance program. The card operates on the Mastercard network, ensuring wide merchant acceptance. These measures, coupled with in-app limits and biometric checks, create layered protection for a crypto credit card and crypto debit card use case.

How to earn and apply for the card

Activate the virtual Nexo Card in the app, add it to Apple Pay or Google Pay, and start spending. Use Credit Mode for crypto cashback on purchases or Debit Mode to spend directly while your eligible balances keep earning interest.

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Coinbase One Card

Here is an American Express credit card on the AmEx network, not available as a debit card. This bitcoin credit card earns 2% to 4% back in BTC on purchases, with higher tiers tied to your Coinbase balance and Assets.

There’s no annual fee when you have an active Coinbase One membership, and no foreign transaction fees. It’s also currently only limited to Coinbase One members and issued by First Electronic Bank with Cardless as the program manager.

Crypto rewards

• 2% base back in BTC on all eligible purchases; move up to 2.5%, 3%, or 4% as your “Assets on Coinbase” (AOC) increase.
• Rewards are paid in Bitcoin to your Coinbase wallet after purchases post; in edge cases, posting can take up to 30 days.
• Higher-tier rates apply to the first $10,000 in eligible monthly spend; all further purchases earn 2% that month.
• Common exclusions: cash/cash equivalents, cash advances/ATMs, gambling, pawn shops, debt collection, and many financial-services transactions.
• Coinbase may run limited-time “boosts” for higher earn on select purchases; terms vary by promo..

Sign-up bonus: Since this is a new product, there is no publicly advertised welcome offer at this time. We’ll update this review in the meantime but you can check the app for any time-limited promos.

Supported countries: United States only (U.S. territories excluded) and only for Coinbase One members.

Supported cryptocurrencies: For now, rewards are only in Bitcoin. But any asset on Coinbase (including USD and USDC) can count toward tiering for higher BTC-back rates; you don’t choose alternate reward coins.

Fees and APR:

• Annual fee: $0 with an active Coinbase One membership.
• Purchase APR: 19.74%–29.74% variable, based on creditworthiness.
• Cash advance APR: 32.49% variable. (Purchasing cryptocurrency may be treated as a cash advance.)
• Late payment fee: Up to $41.
• Foreign transaction fees: $0.

Security

Coinbase One Card is issued by First Electronic Bank and rides the American Express network. That means $0 liability for unauthorized charges and access to AmEx benefits like purchase protection and extended warranty, plus in-app controls to lock or replace your card.

And if you’re a Coinbase One member, Coinbase layers on account-takeover protection (coverage limits vary by tier and region) alongside priority support, with all rewards settled into your Coinbase wallet rather than a third-party custodian

How to earn and apply for the card

In the Coinbase mobile app, open the Credit Card section to check approval with no impact to your credit score, then apply. Once approved, use the card for everyday purchases to earn BTC, keep an eye on your Assets on Coinbase balance to unlock higher tiers, and avoid ineligible transactions like cash advances.

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CEX.IO card

The CEX.IO Card is a Mastercard debit card designed for Euro spending with seamless in-app management. Load funds within the CEX.IO ecosystem and pay in-store or online using chip, tap, or your phone via Apple Pay or Google Pay. Over 30 million merchants accept your payment in more than 150 countries.

It is issued in both virtual and physical formats, includes instant transaction notifications and card-level controls, and is accepted globally wherever Mastercard is taken for everyday retail and online purchases.

Crypto rewards

• Random crypto prize on every card purchase of €1+; rewards land instantly in your wallet.
• Higher spend unlocks larger prizes, up to 1,000 DOGE per transaction (e.g., €500–€1,000 can return 1,200 PEPE to 1 DOGE; €2,000+ can return up to 1,000 DOGE).
• Rewards are paid in major coins such as BTC, ETH, SOL, DOGE and others.
• Card supports Apple Pay and Google Pay, so you earn on contactless and in-app payments.
• Separate promo: up to 5% cashback when you purchase crypto with a credit/debit card via CEX.IO Instant Buy.

Sign-up bonus: Platform-wide welcome offer of up to 1,000 USDC credited to your Spot Trading fee balance after your first trade; valid for 14 days. The page notes this promo is ongoing and may end at CEX.IO’s discretion.

Supported countries: Available to residents of the EEA + Ukraine with a European address: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Romania, Slovakia, Slovenia, Spain, Sweden, Ukraine. Not supported in the U.S. or Canada.

Supported cryptocurrencies: BTC, ETH, SOL and 200+ more; cashback can be paid in BTC, ETH, SOL, DOGE, etc. You can link EUR + up to 4 cryptos to fund payments.

Fees and APR:

• Annual fee: None (issuing and monthly fees also €0).
• Late payment fee: N/A (debit card; no credit line).
• Cash advance APR: N/A; ATM withdrawals temporarily unavailable.
• Foreign transaction fees: No cross-border fee; 0% markup in EUR, 1% currency markup in other currencies.
• Typical limits: ~€3,000 daily / €10,000 monthly card spend.

Security

CEX.IO states PCI DSS Level 1 certification, SSL encryption, and 2FA across accounts. The crypto card payments use 3-D Secure where supported, and Apple Pay/Google Pay add tokenization, so your real card number isn’t shared with merchants. Funds management combines exchange-grade controls with cold-storage safeguards on the platform.

CEX.IO also requires KYC/AML verification before issuing the card, enforces app-level approvals, and lets you prioritize which balances fund each transaction (EUR first, then your chosen cryptos). Issuance typically takes minutes after request.

How to earn and apply for the card

Claim the free CEX.IO Mastercard debit card in the CEX.IO app (EEA residents): verify identity, tap Claim CEX.IO Card, add EUR plus up to four cryptos, and link to Apple/Google Pay. Then use the card anywhere Mastercard is accepted to receive random crypto cashback on every eligible purchase automatically.

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Venmo card

Venmo offers two cards tightly integrated with its app: a Visa credit card from Synchrony and a separate Venmo Debit Card on Mastercard. Both provide physical and virtual numbers, tap-to-pay, EMV chip support, and wallet compatibility.

The app offers granular controls such as instant freeze, alerts, and per-merchant settings, along with simple statements and budgeting. Purchases appear in Venmo immediately, making it easy to manage spending and split costs with friends directly from the same interface.

Crypto rewards

• Earn 3% on your top monthly category, 2% on your second, 1% on all other purchases; rewards post to Venmo and can be auto-used to buy crypto (“Cash Back to Crypto”).
• No Venmo crypto transaction fee on auto-purchases; the exchange rate includes a spread, and selling crypto still incurs fees.
• Choose which asset gets bought automatically: BTC, ETH, SOL, LINK, LTC, BCH or PayPal’s PYUSD; you can switch anytime.
• Rewards typically transfer 1–3 days after statement end; that’s when the auto-purchase happens.

Writer’s note: You can toggle the feature on/off in the app at any time; there’s no cap on the cashback you can earn.

Sign-up bonus: No publicly advertised welcome offer as of October 14, 2025. Venmo occasionally runs targeted, time-limited bonuses in-app, but there isn’t a standard promotion to cite today.

Supported countries: United States only for Venmo crypto features and the Venmo Credit Card (personal, verified accounts).

Supported cryptocurrencies: BTC, ETH, SOL and 3+ more cryptocurrencies (LINK, LTC, BCH), plus PYUSD.

Fees and APR:

• Annual fee: $0.
• Purchase APR: Variable; examples shown in issuer docs include 28.49% or 31.49% depending on account type (caps at 35.99%).
• Cash advance APR: About 31.49% variable; cash advance fee is $10 or 5% (greater)
• Late payment fee: Up to $41.
• Foreign transaction fees: 0%.

Security

You manage everything in-app: lock and unlock the physical crypto card instantly, keep using the virtual card while you wait for the plastic, and get real-time alerts. That tight app control, paired with Visa’s standard protections, gives you fast response options if something looks off.

And Venmo accounts use encryption and multi-factor authentication. You can layer on a PIN or biometrics and tighten privacy settings. Do remember: crypto you buy in Venmo sits in a wallet environment that’s not FDIC-insured, and like any P2P app, you still need to watch for scams.

How to earn and apply for the card

Open the Venmo app, verify your account, and apply in-app (eligible users generally need a Venmo account for 30+ days). Use the card for everyday spending to trigger 3%/2%/1% cashback, then switch to Cash Back to Crypto to buy your chosen coin automatically.

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MetaMask card

MetaMask Card is a debit product on the Mastercard network that connects directly to your MetaMask account. Managed through the app, it is available as a virtual card with an optional physical card, supports Apple Pay and Google Pay, and includes card controls.

Payments use EMV chip or contactless and are accepted anywhere Mastercard is supported, enabling everyday spending while keeping wallet integration and security front and center.

Crypto rewards

• 1% USDC cashback on all eligible purchases with the virtual card
• Metal card: 3% USDC cashback on the first $10,000 spent per year, then 1%
• Zero foreign transaction fees on the Metal card, subject to fair use
• Free ATM withdrawals up to $1,200 per month on the Metal card, then 2%
• Extra on-chain yield opportunities via Linea rewards and partner offers

Sign-up bonus: N/A

Supported countries: Argentina, Brazil, Canada, Colombia, Mexico, the European Union, and the United Kingdom. The U.S. early-access pilot is closed; you can join a waitlist. You can spend wherever Mastercard is accepted once you have the card.

Supported cryptocurrencies: mUSD, USDC, USDT, wETH, EURe, GBPe, and aUSDC on the Linea network. In the U.S., supported tokens are currently mUSD, USDC, and aUSDC.

Fees and APR

• Annual fee: Virtual $0; Metal $199
• APR: N/A. This is a debit card, not a crypto credit card
• Late payment fee: N/A
• Foreign transaction fees: Free tier 1% cross-border; Metal $0, subject to fair use
• ATM withdrawals: Free tier 2%; Metal free up to $1,200 per month, then 2%
• Conversion fees: 0.875% for wETH and other non-stable crypto; stablecoin fees vary by denomination; aUSDC free up to $1,200 per month, then 0.5%; typical Linea gas is small

Security

MetaMask Card keeps you in self-custody. You pre-approve which tokens the card can draw from and set a spending cap. Purchases convert approved tokens to fiat at the moment of payment and settle on Linea, which limits exposure and preserves control. If something looks off, you can instantly freeze the card from the app.

MetaMask partners with Crypto Life as program manager and Mastercard as the payment network. That brings KYC, dispute management, and chargeback protections typical of Mastercard programs, while MetaMask itself does not receive your KYC data. The setup blends Web3 controls with Web2 payment safeguards.

How to earn and apply for the card

Open MetaMask Portfolio, click on Card, complete KYC with Crypto Life, set a spending cap, and add the card to Apple or Google Wallet. Then pay with your card to earn 1%–3% USDC back, with extra partner rewards available.

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KAST Card

KAST Card is a Visa debit that is available instantly as a virtual card, with an optional physical card shipped later. You fund it with stablecoins in the KAST app and spend anywhere Visa is accepted, including via Apple Pay or Google Wallet.

The app provides KYC onboarding, spend limits, the ability to freeze or unfreeze, and alerts. Chip-and-PIN, tap-to-pay, and standard Visa protections make it a practical, straightforward way to use digital funds for daily purchases.

Crypto rewards

• Up to 10% back in KAST Points on all purchases in 2025, tier-dependent: 7% on Premium and Founders; 10% on Luxe.
• Limited-time multipliers: recent promos offered 2×–3× points for monthly spend thresholds.
• Solana Card boosts: stake SOL with KAST’s validator to earn additional KAST Points on top of card spend.
• New-user and referral bonuses periodically add extra points after first spend or referrals that meet criteria.
• Points are earmarked to convert 1:1 into future tokens per the airdrop framework.

Sign-up bonus: October 2025 promo for eligible new users: $10 cash back after your first $100+ purchase (countries vary; see app). KAST also advertised first-purchase and referral point bonuses this month.

Supported countries: Global availability (KAST claims 160+ countries) with cards accepted at ~150M+ merchants and ATMs via Visa; localized pages exist for Brazil, Mexico, and Argentina. Some countries are restricted.

Supported cryptocurrencies: BTC, ETH, SOL, USDC, USDT, PYUSD, XRP, BNB and many more can be received to your KAST account; non-stablecoins auto-convert to stablecoins before spending. Conversion fees apply. Card spend settles in stablecoins.

Fees and APR:

• Annual fee: Base card has no yearly recurring fee; premium tiers do. Premium “X Card” is $1,000/year; Luxe $10,000/year; Founders Edition $5,000 one-time. * Late payment fee:
• Late payment fee: N/A (This is a debit product). * Cash advance APR: N/A (debit product).
• Cash advance APR: N/A (no cash-advance/credit APR on the debit product).
• Foreign transaction fees: 2% on non-USD purchases; ATM $3 + 2% (add 2% FX when withdrawing in non-USD). * Declines: up to $0.50. * Token auto-conversion: 2–7% when depositing non-stablecoins; posted schedule lists typical rates by asset.
• Token auto-conversion: 2–7% when depositing non-stablecoins; posted schedule lists typical rates by asset.

Security

KAST runs on the Visa network and supports 3D Secure with one-time passcodes delivered in-app. You can generate virtual cards, set or change a six-digit PIN, and instantly freeze or unfreeze your card if it’s lost or stolen. Apple Pay and Google Pay are supported for tokenized, device-level security.

KYC is required, and KAST may pause withdrawals during compliance reviews or suspected fraud. You can dispute unauthorized transactions under Visa rules, and KAST’s help articles outline claim outcomes and chargeback considerations. Spending caps are tied to available balance rather than a credit line.

How to earn and apply for the card

Download the KAST app, pass KYC, and create a virtual Visa card in minutes; order a physical card if you need one. Fund with supported stablecoins (e.g., USDC, USDT; PYUSD on Solana), start spending, and your crypto cashback accrues as KAST Points.

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OKX Pay & Card

Mastercard virtual debit card that spends from your OKX Pay “digital dollar” balance. There’s no traditional crypto cashback on purchases; the draw is zero IOF and no foreign exchange fees on international spend.

You can add the card to Apple Pay or Google Wallet and use it anywhere Mastercard is accepted. Issuance is currently limited to verified Brazil residents.

Crypto rewards

• No purchase rewards; the perk is zero IOF on international transactions.
• No FX fees on non-USD purchases; Mastercard’s official rate applies.
• Spend directly from USD stablecoins; no extra “spend your crypto” fee.
• Works with Apple Pay and Google Wallet for contactless payments.
• Balance earnings are offered inside OKX Pay (up to 10% APY on eligible “digital dollars”); this is account yield, not card cashback, and may change.

Sign-up bonus: As of this publication, we couldn’t verify any OKX Card-specific welcome bonus. A separate buy-crypto promo (spend $200 by card, earn 20 USDT) ended Apr 29, 2025.

Supported countries: Issuance in Brazil only for now; global acceptance wherever Mastercard is supported.

Supported cryptocurrencies: Funds the card from USDG, USDT, USDC balances in OKX Pay (via PIX top-up or wallet transfer).

Fees and APR:

• Annual fee: $0.
• Late payment fee: Not applicable (debit card).
• Cash advance APR: Not applicable (debit card).
• Foreign transaction fees: $0; IOF: 0%.

Security

OKX Card is virtual-first with wallet tokenization. You can add it to Apple Pay or Google Wallet and lock or unlock the card in-app at any time, helping you manage risk if a device or number is compromised.

On the account side, OKX highlights “OKX Protect” (multi-layer defenses and monitoring) and ongoing Proof of Reserves, using Merkle trees and zk proofs to let you verify covered assets. These are platform safeguards rather than card insurance, but they matter if you keep balances in OKX Pay.

How to earn and apply for the card

In the OKX app, switch to Pay, complete Brazil KYC, set up Pay, then tap Get card. Add it to Apple Pay or Google Wallet for tap-to-pay. To fund, add USDG/USDT/USDC via PIX or transfer from your OKX Exchange/other wallet. If you want yield, OKX markets up to 10% APY on eligible “digital dollar” balances.

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Uphold Debit Card

The Uphold Debit Card is a Visa crypto debit card for US users who want a crypto credit card-style experience without taking on a credit line. It connects directly to your Uphold wallet so you can spend US dollars, bitcoin, and other cryptocurrencies anywhere Visa is accepted.

The headline feature is XRP rewards on almost every eligible purchase. And if you have already purchased crypto with a credit card in Uphold, this card lets you use those balances for everyday spending without moving them to a separate bank account.

Crypto rewards

• Intro offer: order an Uphold Debit Card (Elite or Essential) before January 1, 2026 and get 90 days of boosted XRP rewards — 6% back with Elite, 4% with Essential.
• After 90 days, Elite earns 3% back in XRP and Essential 2% on eligible purchases, paid monthly into your Uphold account.
• Monthly caps: up to $300 in XRP rewards on Elite and $120 on Essential. Anything above those caps doesn’t earn extra cashback.
• Earn rewards when you spend from USD or more than 300 supported assets in your Uphold wallet, including BTC, ETH, SOL and XRP.
• You can stack card rewards with Uphold’s direct deposit promo: 4% back in XRP on qualifying USD direct deposits (up to $500 in XRP a month) for a combined potential of up to $800 in XRP per month.

Sign-up bonus: Sign up before January 1, 2026 to earn 6% XRP back with Elite or 4% with Essential for 90 days, then 3% or 2% ongoing, plus 4% XRP back on qualifying USD direct deposits, capped at specific monthly rewards caps.

Supported countries: The Uphold Card is available to customers who live in the United States and the United Kingdom, with some exclusions. It is not available in US territories such as Puerto Rico and Guam, Crown Dependencies such as Jersey, Guernsey, and the Isle of Man, British Overseas Territories, or the US states of Louisiana and New York.

Supported cryptocurrencies: Uphold lets you spend dollars or more than 300 supported assets through the card, covering major cryptocurrencies, stablecoins, fiat currencies, and even metals. That includes headline names such as BTC, ETH, XRP, and SOL, plus a long tail of altcoins and stablecoins.

Fees and APR:

• Annual fee
  • Uphold Elite Card: $99.99 per year, charged as an annual subscription.
  • Uphold Essential Card: 0 dollars annual fee.
• Card issuance and replacement
  • Elite includes a virtual card and a premium metal physical card at no extra cost, with one free replacement per year then 29.99 dollars for further replacements.
  • Essential includes a virtual card and an optional plastic physical card for 4.99 dollars, with 4.99 dollars per replacement.
• Late payment fee: Not applicable.
• Cash advance APR: Not applicable.
• ATM withdrawal and foreign transaction fees:
  • Elite: 0 dollars ATM withdrawal fee and 0 percent foreign transaction fee.
  • Essential: 2.95 dollars per ATM withdrawal and a 1.5 percent foreign transaction fee on overseas card use.

Security

Uphold secures the card with the same protections it uses on its trading platform. USD balances that back your spending sit at Cross River Bank, Member FDIC, with pass-through insurance up to $250,000 where eligible, and the card runs on the Visa network.

It also holds SOC 2 Type 2, ISO 27001 and PCI DSS certifications, so its systems and card processing are audited against recognized security standards. You manage the Uphold Debit Card directly in the app. You also see your XRP rewards and how close you are to the monthly cap.

How to earn and apply for the card

To earn with the Uphold Debit Card, choose Essential or Elite and push spend through eligible purchases for groceries, fuel, dining, and online shopping. Cash-like transactions, government payments, and gambling don’t earn rewards. To apply, open or log in to Uphold, verify your identity, confirm you live in an eligible US state. Choose your plan, set funding sources, add the card to Apple Pay or Google Pay, and start using the virtual card within minutes.

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Who are crypto credit cards for?

A crypto credit card suits spenders who want rewards in bitcoin or other tokens instead of points. If you already shop online and want crypto cashback on purchases, these cards keep your routine the same. They also fit beginners who want a low-effort way to get exposure without trading, since you earn as you pay. And if you plan to purchase crypto with credit card rails later, starting with a rewards card builds comfort with wallets and apps.

Budget-focused users or those wary of credit can look at crypto debit cards, which spend from a balance while still earning perks. Frequent travelers may prefer a Visa or Mastercard crypto credit card with broad merchant acceptance and mobile wallet support. If you live in the U.S., check the availability and fees of crypto credit cards first, then compare which issuer offers the best crypto card for your habits.

Conclusion

You now know how crypto cashback works across cryptocurrency cards, which issuers support bitcoin credit rewards, and what fees or limits can erode value. Compare headline rates against caps and redemption rules, then favor flexible programs that credit in crypto you’ll hold.

We’ll update this list as features change, so you can pick the best cryptocurrency card for your spend and risk tolerance. If you’re in the EEA or UK and considering dual-mode borrowing vs spending, see our updated Nexo review.

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Methodology

We scored each crypto credit and debit card based on rewards rates, caps, fees, payout timing, and supported coins, considering both U.S. and international availability.

1. We verified issuer terms, card-network rules, and in-app features (KYC, 3-D Secure, virtual cards, Apple/Google Pay) against current public documentation.
2. We prioritized programs with transparent rewards posting and flexible redemption into BTC, ETH, or stablecoins.
3. We check the competitiveness and crypto rewards that are provided by the card issuer.
4. We adjusted picks for real-world usability: merchant acceptance, FX/ATM policies, and any spend or category caps that change the effective earn rate.

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FAQs