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 Credit Cards
Our team of 4 experts has evaluated every crypto credit 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 credit 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 credit cards, these are the factors that matter most:
High Rewards Rate
Competitive cash back or crypto rewards that help you maximize earnings on everyday purchases.
Low Fees
No annual fees or reasonable fees that are offset by valuable rewards and benefits.
Flexible Redemption
Easy ways to redeem rewards, whether in crypto, cash, or other valuable options.
Accessibility
Reasonable approval requirements and credit check policies that make cards accessible to more users.
Gemini Credit Card
#1The Gemini Credit Card stands alone as the best crypto credit card available. Earn up to 4% back on dining, 3% on groceries, 2% on gas, 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
- True credit card with crypto rewards
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 $150/year) 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, not credit
- Premium tier requires $150/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. When your crypto moons, you still own it all. This is the smart money strategy for HODLers.
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
- No credit check required
- 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 8% back, but there's a catch: you need to stake $40,000+ in CRO tokens to unlock top-tier benefits. For most users, the Ruby Steel ($400 stake) or Jade/Indigo ($4,000 stake) tiers offer the best value with 2-3% rewards plus Spotify rebates. 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 Card
#5If you already use Coinbase, their card is a no-brainer. Spend directly from your crypto holdings or USD balance, and earn up to 4% back in crypto rewards. The card integrates seamlessly with your Coinbase account, making it easy to manage your crypto and spending in one place.
Pros & Cons
Pros
- Spend any cryptocurrency in your Coinbase account
- Up to 4% back in crypto rewards
- Seamless integration with Coinbase exchange
- No annual fee
- No foreign transaction fees
Cons
- Requires Coinbase account
- Debit card, not credit
Venmo Credit Card
#6The Venmo Credit Card is perfect for beginners who want to dip their toes into crypto rewards. It works like a traditional credit 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 credit 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
BitPay Card
#7The BitPay Card is perfect for users who want to spend their existing crypto holdings without earning rewards. Since there's no rewards program, you avoid the tax complexity of earning crypto rewards. Simply load your card with Bitcoin or other supported cryptos and spend anywhere Mastercard is accepted.
Pros & Cons
Pros
- Spend Bitcoin and other cryptos directly
- No rewards program means no taxable events
- No annual fee
- Works anywhere Mastercard is accepted
- No credit check required
Cons
- No rewards program
- Debit card, not credit
Bybit Card
#8Bybit Card offers some of the highest potential rewards at up to 10% back, but you'll need VIP status on the Bybit exchange to unlock top-tier rates. For most users, expect 1-3% back. 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. It's a true credit card that builds your credit while earning Bitcoin. Perfect for users who want straightforward Bitcoin accumulation without complexity.
Pros & Cons
Pros
- Simple 1.5% back in Bitcoin only
- True credit card that builds credit
- No annual fee
- No foreign transaction fees
- Easy to understand rewards
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 up to 8% back in WXT tokens, though higher rates require staking. 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
- Multi-currency wallet
- No annual fee
- No credit check required
Cons
- Highest rewards require WXT staking
- Requires Wirex account
Compare All Providers
| Provider | Best For | Annual Fee | Sign-Up Bonus | Rating | |
|---|---|---|---|---|---|
Editor's Choice  Gemini Credit Card | Best Overall | $0 | $200 | Apply Now | |
 Fold Card | Best for Bitcoin Maximalists | $0 - $150 | $250 | Apply Now | |
 Nexo Card | Best for Tax-Smart Spending | $0 | $100 | Apply Now | |
 Crypto.com Visa Card | Best Rewards Tiers | $0 | $50 | Apply Now | |
 Coinbase Card | Best Exchange Integration | $0 | Varies | Apply Now | |
 Venmo Credit Card | Best for Beginners | $0 | None | Apply Now | |
 BitPay Card | Best for Spending Crypto | $0 | None | Apply Now | |
 Bybit Card | Best High Rewards | $0 | None | Apply Now | |
 Upgrade Bitcoin Rewards Card | Best Simple Bitcoin | $0 | None | Apply Now | |
 Wirex Card | Best Multi-Currency | $0 | None | Apply Now |
Contact Us
Have questions about our reviews? We'd love to hear from you.
Email: contact@cryptocreditowl.com