Are you looking to maximize your crypto rewards with everyday spending? This guide explores the best crypto credit cards and debit cards that offer top-notch rewards in 2024. From cashback in crypto to competitive reward rates, discover how these cards can provide significant crypto spending benefits while keeping card fees to a minimum.
Methodology
Here are the best crypto cards to earn rewards when paying with crypto. Each crypto card has been tested for six months by the BeInCrypto team. Here are the findings or reasons for selecting the mentioned crypto cards.
Coinbase Card
- Earn up to 4% back in cryptocurrency rewards, making every purchase a potential investment in your preferred crypto assets.
- The Coinbase card has no annual fee, allowing users to maximize their rewards without worrying about recurring costs.
- Linked directly to your Coinbase account, it allows you to spend your crypto anywhere Visa is accepted, providing flexibility and convenience.
Wirex Card
- Earn up to 2% Cryptoback™ rewards on all in-store purchases, providing continuous crypto accumulation.
- Supports both fiat and cryptocurrency, allowing seamless transactions and conversions between currencies without additional exchange fees.
- Offers low to no fees for various services, including free standard delivery of the card and no monthly maintenance fees, enhancing the value of rewards.
Uphold Card
- Earn 1% cashback for every transaction, turning everyday spending into an investment opportunity. Provides instant access to your crypto, precious metals, and fiat balances to spend, offering unmatched financial flexibility.
- Allows for international use without extra charges, making it ideal for frequent travelers who want to earn rewards globally.
Bybit Card
- Offers up to 10% cashback in BTC on eligible purchases, making it one of the most rewarding cards for crypto enthusiasts.
- Transparent fee system, making it easy for users to make purchases worldwide.
- Incorporates advanced security features such as two-factor authentication and encryption, ensuring safe and secure transactions.
Nexo Card
- Earn 2% back in either bitcoin or nexo tokens on every purchase, providing consistent and valuable rewards.
- No hidden fees for card maintenance, ensuring that users can fully benefit from their rewards without extra costs.
- Automatically converts crypto to fiat at the time of purchase, enabling seamless transactions anywhere Mastercard is accepted.
Crypto.com Card
- Depending on the card tier, earn up to 5% cashback on purchases, one of the highest rates available in the market.
- Higher-tier cards offer benefits like free Netflix, Spotify, and access to airport lounges, adding significant value beyond standard rewards.
- Allows users to stake CRO tokens to unlock higher reward rates and benefits, making it suitable for both casual and serious investors.
Gemini Card
- Earn up to 4% on gas, 3% back on dining, 2% on groceries, and 1% on all other purchases, deposited directly into your Gemini account.
- With no annual fee, users can maximize their crypto rewards without worrying about additional costs.
- Rewards are available instantly after each transaction, allowing users to benefit from their crypto earnings without delay.
All these crypto cards offer some of the best cryptocurrency rewards and the highest cashback in crypto available today.
You can learn more about our partner verification methodology here.
- Top crypto cards for rewards in August 2024
- 1. Coinbase Card
- 2. Wirex Card
- 3. Uphold Card
- 4. Bybit card
- 5. Nexo Card
- 6. Crypto.com Card
- 7. Gemini Card
- Crypto cards compared
- How do you choose a crypto card?
- 7 tips for maximizing rewards with crypto cards
- How do crypto reward rates compare to traditional credit cards?
- What are the typical fees associated with crypto cards?
- What’s the best option for crypto credit card rewards?
- Frequently asked questions
Top crypto cards for rewards in August 2024
1. Coinbase Card
www.coinbase.com" alt="<a href=https://beincrypto.com/learn/best-crypto-credit-card-rewards/"https://beincrypto.com/cs7c_PRF_ENG_LEARN_coinbase_card">www.coinbase.com" loading="lazy" data-src="https://beincrypto.com/wp-content/uploads/2023/12/coinbase-logo.png">To apply for a Coinbase card, you need a verified Coinbase account. If the Coinbase Card is available in your location, you can apply for it through the “Card” section on the web account or through the Coinbase mobile app. Through the app, you will have access to a digital card, and you can also order a physical card if you wish.
Each month, Coinbase Card offers rotating rewards offers. Users can choose which rewards they want until they expire.
- Free to apply for a Coinbase Card and no annual fees
- Zero crypto spending fees (spread applies) for spending U.S. dollars or USDC
- Visa crypto card directly linked to your Coinbase Card
- Can spend USDC or any other crypto supported by Coinbase
- You can choose your rewards every month
- Only available in certain jurisdictions, and different rules apply to each one
- Coinbase charges a crypto conversion fee of 2.49% when spending crypto or converting at an ATM
- Debit, not credit card
- Has a $2,500 daily limit for spending
- Generally, Coinbase charges higher fees than most crypto platforms
2. Wirex Card
www.wirex.io" alt="<a href=https://beincrypto.com/learn/best-crypto-credit-card-rewards/"https://beincrypto.com/eh3c_PRF_ENG_LEARN_wirex_card">www.wirex.io" loading="lazy" data-src="https://beincrypto.com/wp-content/uploads/2023/12/unnamed-1.png">Users need a verified Wirex account. The platform is available in over 130 countries, but only selected countries offer the Wirex card.
If the card is available in your country, apply via the Wirex app for a digital and physical card. The card is free to issue, but there is a delivery fee for the physical card, between $5 and $15, depending on your chosen delivery option. Delivery takes two weeks or less.
Wirex offers a tiered structure for rewards. By default, you will receive 1% cashback on all card spending.
To increase your rewards (Cryptoback), you will need to hold WXT tokens and purchase a monthly subscription.
Premium subscription: Up to 3% cashback
Elite subscription: Up to 8% cashback
- Digital and physical card
- No annual fee, no foreign exchange fees (spread applies)
- Offers several discounts for services when paying with this card
- Up to $200 free ATM withdrawals per month (2% thereafter)
- Offers savings account with up to 12% interests
- Monthly subscription required to earn 8% cashback (1% is standard)
- Users must hold and lock WXT to increase cashback
- Some customers report slow replies from customer support
3. Uphold Card
www.uphold.io" alt="<a href=https://beincrypto.com/learn/best-crypto-credit-card-rewards/"https://beincrypto.com/36c7_AFF_ENG_LEARN_uphold_card">www.uphold.io" loading="lazy" data-src="https://beincrypto.com/wp-content/uploads/2024/03/uphold-logo.png">You need to have a U.K. Uphold account to apply for a Uphold card. The digital card is delivered instantly to your mobile app, and it is free. The physical card costs £9.95 to be issued and takes up to 10 days to be delivered.
Users earn a 1% cashback, paid out in GBP, on card purchases funded by a national currency balance.
The crypto rewards are calculated at the end of each calendar month and added to Uphold balances within 15 days thereafter.
- Digital and physical card
- Can be added to Apple Pay and Google Pay
- 0% FX transaction fee
- You can spend up to £10,000 GBP with your card per day
- Low exchange fees in foreign countries
- Only available for U.K. accounts
- Maximum cap of £100 worth of rewards per month
- Crypto must be converted to fiat using the Transact tab before paying at a merchant
- £2.50 GBP fee for national ATM withdrawals and £3.50 GBP for foreign ones
4. Bybit card
www.bybit.com" alt="<a href=https://beincrypto.com/learn/best-crypto-credit-card-rewards/"https://beincrypto.com/nk88_AFF_ENG_LEARN_bybit_card">www.bybit.com" loading="lazy" data-src="https://beincrypto.com/wp-content/uploads/2023/10/bybit.png">Users will need to individually check if their account is eligible for the Bybit debit card through their online account. While Bybit services are in over 150 countries, only a few selected locations offer Bybit card.
To apply for the Bybit card, users must also complete identity verification, and, in some cases, provide two types of identity proof. Then, there is a proof of address requirement. The card application will be reviewed within seven business days. After obtaining the Bybit virtual card, users can apply for the physical Bybit card, which costs 5 EUR/GBP/USDT and may take up to 30 days to arrive.
Bybit card offers rewards based on the user’s VIP level in their Bybit account. There are seven tiers for earning rewards. Users using the Bybit card earn reward points and can then exchange them for various items such as bonuses, coupons, and exclusive merchandise on the Reward Market. They can also be exchanged for cashback.
The reward points are exchanged for cashback according to a specific formula. The formula is “Accumulate points * 0.002.”
The accumulated points are calculated as “(Transaction amount * Multiplier) / 500 conversion rate,” where the multiplier is fixed for each VIP level.
Each VIP level has a maximum monthly cashback between 2% monthly rate (10 USDT maximum) and a 10% monthly rate (600 USDT maximum).
The rewards only apply to crypto-funded transactions. The mechanism of the rewards program may change in the future, so make sure to check the latest offerings on Bybit’s website.
- Virtual and physical card
- Can be added to Google Pay
- Up to 100 EUR/GBP monthly free ATM withdrawal (2% thereafter)
- Only available in selected countries
- Foreign exchange fee of up to 1% (depends on location)
- Crypto conversion fee 0.9%
- Limited fiat and crypto support
- The maximum cashback is 600 USDT, and only big accounts can reach it
5. Nexo Card
www.nexo.io" alt="<a href=https://beincrypto.com/learn/best-crypto-credit-card-rewards/"https://beincrypto.com/p0or_AFF_ENG_LEARN_nexo_card">www.nexo.io" loading="lazy" data-src="https://beincrypto.com/wp-content/uploads/2023/03/Nexo-Logo.png">Only accounts from the European Economic Area (EEA) countries are eligible to apply for the Nexo card. Nexo offers virtual and physical cards.
For a Nexo virtual card, you need to maintain a portfolio balance of at least $50. For a Nexo physical card, you need to maintain a Portfolio Balance of at least $500 and a Gold Loyalty tier. There are four Nexo loyalty tiers, and each refers to the Nexo tokens program held in your account (between 0-10%).
Nexo card offers rewards (in NEXO tokens or BTC) based on the loyalty level, as follows:
Platinum: 2% in NEXO Tokens or 0.5% in BTC ($200 monthly limit)
Gold: 1% in NEXO Tokens or 0.3% in BTC ($150 monthly limit)
Silver: 0.7% in NEXO Tokens or 0.2% in BTC ($100 monthly limit)
Base: 0.5% in NEXO Tokens or 0.1% in BTC ($50 monthly limit)
Loyalty level is determined based on the NEXO token percentage held in your account:
Platinum 10% NEXO tokens, Gold 5% NEXO tokens, Silver 1% NEXO tokens, Base 0% NEXO tokens.
- Dual card: Can be used as a crypto credit card or a debit card
- Virtual card can be used in Apple Pay and Google Pay
- Up to €600 / £540 for a single ATM withdrawal
- Up to five free ATM withdrawals monthly and then 1.99 EUR/GBP per withdrawal
- Up to €10,000 / £9,000 in free foreign transactions per month
- Up to €10,000 / £9,000 daily transactions
- Limited availability (only EEA countries)
- Accounts need to hold NEXO tokens to be eligible to receive more cashback
- Cashback is limited to a maximum of $200 per month
6. Crypto.com Card
www.crypto.com" alt="<a href=https://beincrypto.com/learn/best-crypto-credit-card-rewards/"https://crypto.com/">www.crypto.com" loading="lazy" data-src="https://beincrypto.com/wp-content/uploads/2024/05/crypto.com-logo.png">Users with verified Crypto.com accounts must apply for a crypto card through the Crypto.com mobile app. To be eligible, users also need to have sufficient CRO tokens in their crypto wallet for the 180-day stake or lockup.
After providing proof of address, users will receive a virtual Crypto.com card. After that, users can request a physical card, and an issuance fee will be applied. Depending on location, it may take up to 18 business days to receive the card.
Crypto.com offers four different card tiers, depending on the amount of CRO tokens held in lockup/staking.
Here are the requirements and corresponding rewards:
Obsidian: Up to 5% cashback (no monthly, stake $350K worth of CRO tokens for 180 days)
Icy White/Frosted Rose Gold: Up to 3% cashback (no monthly cap, stake $35,000 worth of CRO tokens for 180 days)
Royal Indigo/Jade Green: Up to 2% cashback (max $50 monthly, stake $3,500 worth of CRO tokens for 180 days)
Ruby Steel: Up to 1% cashback (max $25 monthly, stake $350 worth of CRO tokens for 180 days)
Midnight Blue: 0% (no rewards, no CRO requirements)
- The card offers other benefits and rebates based on level
- Higher card levels don’t have a maximum monthly cap for cashback
- Only charges a 2% ATM withdrawal fee after the level limit is surpassed
- Higher fees than other crypto cards
- Need to stake CRO token to get higher benefits
- Limited availability
7. Gemini Card
www.gemini.com" alt="<a href=https://beincrypto.com/learn/best-crypto-credit-card-rewards/"https://www.gemini.com/credit-card">www.gemini.com" loading="lazy" data-src="https://beincrypto.com/wp-content/uploads/2021/09/Gemini-logo.png">Only U.S.-based Gemini users can apply for the Gemini crypto credit card.
Users must apply for the card from a verified account.
The Gemini credit card offers different cashback for different spending categories, as follows:
4% cashback per dollar spent on gas and EV charging purchases (up to $200 in spend per month on the first year, 1% thereafter)
3% cash back on dining
2% cash back on groceries and
1% on all other purchases
- The card offers up to 4% cashback, depending on the spending category
- Rewards are received in crypto, in real-time, in the user’s Gemini account
- Easy to manage from the Gemini mobile app
- No foreign transaction fee
- The 4% cashback only applies on gas and EV charging purchases, up to $200 per month
- No benefits besides cashback
- Only available in the U.S.
Crypto cards compared
| Type | Cashback | Token requirements | Issuance fee | Transaction fee | |
| Coinbase Card | Debit | Up to 4% | No | $0 | 2.49% + spread |
| Wirex Card | Debit | Up to 8% | Optional (WXT) | $0 ($5 delivery) | 0% |
| Uphold Card | Debit | Up to £100 worth | No | £9.95 | 0% |
| Bybit Card | Debit | Up to 10% | No | $5 | 0.90% |
| Nexo Card | Credit/debit | Up to 2% | Yes (NEXO) | $0 | 0% up to $10K |
| Crypto.com | Debit | Up to 5% | Yes (CRO) | $7 | up to 2% |
| Gemini Card | Credit | Up to 4% | No | $0 | 0% |
How do you choose a crypto card?
Choosing a crypto card involves several factors to ensure you get the best value and security. Here are the most important aspects to consider when applying for a crypto card.
Know the difference between crypto credit cards and crypto debit cards
First, decide whether you need a crypto credit card or a crypto debit card. While the crypto space already offers some of the best Bitcoin debit cards, there’s still a long way to go for crypto credit cards.
Crypto credit cards allow you to borrow against your crypto, whereas crypto debit cards let you spend your crypto directly from your crypto wallet. Check out our list of the best crypto credit cards available in 2024 if this is what you are looking for.
Investigate the reward type
Look into the rewards program offered by the crypto card. Some cards offers rewards for purchases made, and can come in the form of specific cryptos (BTC, ETH, etc). Some crypto cards may offer other benefits, such as discounts on specific services and interest when holding crypto on their platform. Benefits can vary greatly from one platform to another.
Ensure to also check the reward rates. Some cards offer a higher percentage of cashback in crypto for specific categories like travel or dining. Compare these rates with traditional credit cards to ensure you’re getting a competitive deal.
Consider card fees
Examine the card fees carefully. These can include annual fees, transaction fees, and foreign transaction fees. Some crypto cards may have higher fees, which can eat into your rewards.
Important: We strongly encourage users to carefully review and check the applicable fees for the chosen crypto card, as some rewards may not be worth it if usage fees are above the industry average.
Check availability
Different conditions and fees may apply to different geographic locations. You should take into account the type of purchases you are looking to make as well as the ropurchasing location. What might be the best crypto debit card in Europe, might not be your best option if you’re based in the United States.
Verify security and user experience
Ensure the card has solid security features. This includes encryption, two-factor authentication, and fraud protection to safeguard your crypto assets. Most crypto cards have extremely good security measures in place, but ensure to check this before proceeding.
At the same time, don’t forget to research and read reviews and user experiences. Look for feedback on customer service, ease of use, and reliability. Websites, forums, and social media can provide valuable insights into the real-world performance of the card.
You should also investigate the card issuer. Look at their reputation, history, and reviews from other users. A reputable issuer is more likely to offer good customer service and reliable card performance. All this legal information should be easy to find on the platform’s website.
Consider the application process
Review the application process for each crypto card. Some crypto credit cards may require a credit check. Most crypto cards are debit cards, with the advantage that your credit score will not influence your application process.
Ensure you meet the eligibility criteria and understand the terms and conditions before applying. Some cards may require users to buy and hold specific cryptos in their account, which effectively locks funds on that platform. As with any crypto, that specific token may lose or increase value over time and this is a financial risk to be mindful of.
7 tips for maximizing rewards with crypto cards
1. Choose the right card. Select a card with the highest reward rates for your spending habits. Consider cards with low or no annual fees to maximize your net rewards.
2. Understand the reward mechanism. Use cards that offer higher rewards for specific categories (e.g., travel, dining, groceries). Some cards offer rotating rewards, which need to be activated every month.
3. Carefully consider your cashback options. Opt for cashback in crypto to benefit from potential appreciation in value. Redeem your crypto rewards when the value of the cryptocurrency is lower.
4. Leverage partner offers and benefits. Look for special offers and higher reward rates at partner merchants. Use your card for regular purchases at these partners to maximize your rewards. Take advantage of additional card benefits.
5. Optimize spending across multiple cards. Use multiple cards to take advantage of different reward structures and bonuses. Most crypto cards have a monthly rewards cap. Allocate specific types of purchases to the cards that offer the highest rewards for those categories.
6. Stay updated on promotions and offers. Subscribe to email alerts from your card issuer to stay informed about new promotions and offers. Crypto cards may change their reward system without much notice.
7. Apply the best spending practices for each card. Some offer better fees when spending a specific crypto, which may mean you have to perform a crypto trade before spending.
How do crypto reward rates compare to traditional credit cards?
Crypto reward rates can vary widely between crypto cards and traditional credit cards. That’s why it’s important that you understand the differences between the two very different types of cards.
One of the most important differences between crypto and traditional cards is that crypto cards are issued by payment services but are tied to a crypto platform, such as Coinbase or Nexo. Traditional credit cards are issued by traditional banks.
Since crypto is more present than ever in our everyday lives, some may choose to use crypto cards because they offer the possibility to spend cryptocurrency directly from a CEX account. At the same time, they offer some benefits, usually in the form of crypto or other tokens.
Some crypto credit cards offer higher cashback rates compared to traditional cards, often in the range of 1-5% for everyday purchases. In some cases, special promotions can boost these rates even more. Crypto cards sometimes offer enhanced rewards for specific categories, such as travel or dining, similar to traditional cards.
Rewards earned in crypto have the potential to appreciate over time, adding an extra layer of value. If the price of the crypto increases, your rewards can become more valuable. However, the value of crypto can also decrease due to market volatility, which is a risk compared to traditional bank cards.
Crypto cards might come with higher fees, including annual fees, transaction fees, and foreign transaction fees. These can offset the benefits of higher reward rates. Always take a look at the platform’s fee structure, as converting crypto rewards to cash or other cryptocurrencies might involve transaction fees.
What are the typical fees associated with crypto cards?
Crypto cards can incur a number of different fees, and each platform will have specific fees. That’s why it is important that you carefully review the associated fees for each crypto card. Despite this, we see a series of common fees across most crypto platforms.
Here are the typical fees that are generally associated with crypto cards.
- Annual membership fee: A yearly fee for card ownership ranges from $0 to several hundred dollars, depending on the card’s features and benefits. Most crypto cards don’t have an annual fee, but it’s important to check if there is such a fee.
- Spending fees: These are less common, but some cards may charge a fee for each purchase made with the card.
- Foreign transaction fees: A fee is charged for transactions made with foreign merchants, typically around 1-3% of the transaction amount. Some cards have 0% FX fees up to a certain limit.
- Crypto-to-fiat conversion fees: These are standard practice with many crypto cards.
- Fiat-to-crypto conversion fees: Also common with many crypto cards.
- ATM withdrawal fees: Some cards offer a limited monthly amount of free ATM withdrawals and then up to a 2% fee.
- Card issuance fee: A one-time fee for issuing the card, which can range from $5 to $50.
- Replacement fee: A fee for issuing a replacement card in case the original is lost or damaged.
- Load/top-up fees: Fees for adding funds to your crypto card, especially when using specific methods like credit cards.
- Blockchain transaction fees: Fees for transferring cryptocurrency into or out of your card’s wallet, which vary based on the blockchain used and current demand. These are not related to the crypto card but to the network of that specific crypto.
What’s the best option for crypto credit card rewards?
If you want receive crypto credit card rewards for spending your decentralized assets, then this is the best time to choose a new card. Cryptocurrency rewards will likely never be any higher than the current level. In fact, many platforms tend to lower their reward rates over time and crypto veterans have seen the cashback in crypto go down over the years.
Note that card security features are generally improving. Some crypto credit and debit cards offer perks ranging from free subscriptions to airport lounge passes. Card fees also vary depending on the specific card and your spending habits. In the end, it’s up to you to evaluate the different cards that are available in your location and select the one that brings the most benefits to you.
Frequently asked questions
What is the best crypto rewards card?
Does Crypto.com offer rewards?
What is the best credit card for buying crypto?
Is it safe to buy crypto with a credit card?
What are the benefits of using a crypto card?
How can I maximize my rewards with a crypto card?
Are crypto cards safe to use?
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