9 Best Crypto Credit Cards With Spending Rewards in 2024

While cryptocurrencies have grown in popularity immensely as investable assets, there are not many merchants that directly accept payments in crypto. Thankfully, there’s a simple way around this problem for crypto holders – crypto credit and debit cards.

Crypto cards allow users to spend their cryptocurrency balances at any merchant. The crypto is automatically converted to fiat currency when the transaction is made, which means that the merchant receives fiat and avoids any price volatility risks associated with crypto.

There are quite a few crypto cards available on the market today, including products from leading exchanges such as Binance and Coinbase, which makes it difficult to decide which option is the best for you. 

In this article, we will examine the best crypto cards in the market today, compare their features, and explore the extent of crypto rewards you can expect to receive when using them for everyday purchases.

The 9 best crypto credit and debit cards: Examing top options for crypto card users in 2024

In this article, we’ll be showcasing the best crypto credit cards and debit cards that allow users to spend their crypto in everyday situations. All the cards featured in this article also provide some form of cashback reward, allowing users to earn a little bit of crypto every time they spend with their card. Let’s get started.

1. Trustee Card - A payment card with Binance Pay support

The Trustee Card is a payment card provided by Trustee Plus, a crypto wallet that allows users to spend their cryptocurrency balances in everyday situations. The card has a €5,000 daily spending limit and a €50,000 monthly spending limit. Thanks to an integration with Binance Pay, you can top up your Trustee Plus account with USDT tokens you hold on Binance with zero commission. 

Before you can top up your Trustee Plus account via Binance Pay, you'll first need to create a Binance account. 

You can get a virtual Trustee Card shortly after setting up your Trustee Plus card. Please keep in mind that you'll have to pass a KYC (know your customer) process before you can get a card. Issuing a card comes with a €10 fee, but it is discounted to €5 between January 15 and February 25 for Binance users.

Currently, the Trustee Card is only offered in a virtual form. That means that if you want to use it with an ATM, the ATM needs to have an NFC reader. The card charges a 0.5% fee on transactions and no other fees. 

You can find out more about how you can use the Trustee Card in combination with Binance Pay in the following article from Binance.

Get Trustee Card

2. Ledger Card - A CL crypto card powered by Ledger software

Ledger, the crypto wallet manufacturing firm, has partnered with fintech company Baanx to launch the Ledger Card (also known as CL Card), a prepaid Mastercard that allows users to spend their cryptocurrencies seamlessly at over 90 million merchants. The card, powered by Ledger technology, can be topped up using the Ledger Live app and will automatically convert cryptocurrencies into local currencies at the time of purchase. 

The CL Card provides cashback rewards on every purchase, with users able to choose between Bitcoin and Tether (with up to 1% cashback) and Baanx (with up to 2% cashback) rewards. Holders can also use their crypto as collateral to borrow funds and get access to features such as Stableloan and Cryptodraft.

To get the card, users need to purchase a Ledger hardware wallet, which are widely considered as the best crypto hardware wallets due to their robust security and ease of use, and create an account on the CL platform, where they will need to verify their identity. For most users, the Ledger Nano X or S Plus are likely the best options, although the up-and-coming Ledger Stax could be a good choice for crypto power users. Although the card's 2% spend fee is high compared to most competitors, its close integration with Ledger's ecosystem makes it a convenient option for Ledger users. 

Get a Ledger Card

3. Coinbase Card - A crypto card with no token requirements and rotating crypto rewards

Coinbase Card is a crypto debit card that functions on the Visa network. The Coinbase Card allows Coinbase users to seamlessly spend their cryptocurrency balances wherever Visa is accepted. The Coinbase card charges no fees on crypto spending. However, there is a spread in the price when buying or selling cryptocurrencies while the transaction is being submitted.

Coinbase Card users in the United States can earn crypto rewards when they spend with their card. The Coinbase Card features rotating rewards, which means that crypto asset users can earn changes periodically. 

Users are presented with multiple options when it comes to the cryptocurrency to earn rewards in, although not all cryptocurrencies have the same rewards rate. For example, the reward rate for Bitcoin is at 1%, while it can be as high as 4% for some of the other cryptocurrencies.

Coinbase is one of the most reputable and best cryptocurrency exchanges on the market, and it has a stellar track record of keeping customers’ crypto safe. If you put a premium on security, the Coinbase Card is definitely an option worth considering.

Get the Coinbase Card

4. Uphold Card - Crypto-supported card with 0% foreign transaction fees

Uphold is a unique platform that supports multi-asset trading, from crypto to precious metals. The firm offers its own debit card, which comes with many perks for its users. For starters, the Uphold Debit Card allows users to spend cryptocurrency directly from their Uphold wallet and boasts no set up or annual fees.

In addition, the card allows users to spend any currency anywhere in the world while charging zero transaction fees and minimal foreign exchange rates. This makes it a very good option for world travelers, who constantly need to switch between different local currencies on the fly. With Uphold, the currency conversions are taken care of automatically.

As you would probably expect from a crypto-focused card, Uphold Card allows users to withdraw crypto as cash from an ATM. Another nice perk is that the card works seamlessly with both Apple Pay and Google Pay, allowing you to pay with your phone (or other supported handheld devices).

As a final note, we should point out that you can spend at most $10,000 per day, and conduct a maximum of 50 transactions. Meanwhile, there's a cap of rewards you can earn as well, with the cap being set at $100 worth of rewards per month.

Get the Uphold Debit Card

5. Venmo Credit Card - A credit card that can automatically convert cashback rewards into crypto

The Venmo Credit Card is not a crypto card in the traditional sense, as it doesn't make it possible for users to spend their cryptocurrency balances. However, we believe it's still a compelling option for crypto enthusiasts, as Venmo Credit Card holders can choose to have all of their cashback rewards automatically converted to crypto (the Venmo platform now allows users to buy, sell and hold various cryptocurrencies).

The Venmo Credit Card has no annual fees and offers 3 tiers of cashback rewards:

• 3% cashback on the user's top spending category
• 2% on the user's second biggest spending category
• 1% on all other eligible purchases

If you want to convert your cashback rewards into crypto, Venmo currently offers four options — Bitcoin, Ethereum, Litecoin and Bitcoin Cash. Venmo doesn't charge a transaction fee for converting cashback rewards to crypto, but they do charge a spread which has a slight impact on the amount of crypto you will get.

Get the Venmo Credit Card

6. Crypto.com Visa Card - Earn rewards in CRO and get exclusive perks

The Crypto.com Visa Card is a crypto debit card issued by the Crypto.com cryptocurrency exchange. The card comes in 5 different tiers, with crypto rewards and other perks varying across tiers. With the Crypto.com Visa Card, users can spend their cryptocurrency balances on Crypto.com wherever Visa cards are accepted. The card supports numerous different cryptocurrencies and stablecoins and is generally considered one of the best crypto cards for USDT users.

Similarly to the Binance Card’s BNB holding requirements for crypto cashback rewards, the downside of the Crypto.com Visa Card is that you need to stake the exchange’s CRO tokens if you want to access the higher card tiers. Here’s a quick breakdown of the Crypto.com Visa Card tiers and their associated staking requirements as of January 2023.

Card tier	Required CRO stake	CRO rewards	Monthly CRO rewards cap
Midnight Blue	0	0	n/a
Ruby Steel	$400 equivalent	1%	$25 equivalent
Royal Indigo / Jade Green	$4,000 equivalent	2%	$50
Frosted Rose Gold / Icy White	$40,000 equivalent	3%	unlimited
Obsidian	$400,000 equivalent	5%	unlimited

As you can see, the higher card tiers have substantial CRO staking requirements. If you’re primarily interested in crypto cashback rewards, these requirements don’t compare favorably to what you can get on a Binance Card.

For example, you need to stake $40,000 worth of CRO to access the Frosted Rose Gold / Icy White tier, which comes with 3% CRO rewards on spending. With the Binance Card, the requirement for the 3% BNB rewards tier is holding 10 BNB, which translates to about $3,000 at the time of writing. 

However, Crypto.com has an ace up its sleeve that could tip the scales in favor of their card, depending on what you prioritize. Card holders are eligible for perks, which include free subscriptions to popular services such as Spotify, Netflix, Amazon Prime and others. These perks vary depending on the card tier, and can get quite fancy with the higher card tiers. For example, the three highest tiers offer airport lounge access.

Get the Crypto.com Visa Card

7. Wirex Card - A crypto card with up to 8% rewards for eligible members

The Wirex Card is a multicurrency card using the Mastercard payments network that’s issued by the Wirex cryptocurrency platform. The Wirex Card can be used to spend cryptocurrencies, as well as fiat currencies. The Wirex Card supports almost 70 (crypto)currencies in total. 

Through the Wirex Cryptoback program, the Wirex Card offers crypto rewards on transactions made with the card. These rewards are paid in the form of Wirex’s WXT token, and can go up to 8% per transaction. 

The Cryptoback rewards depend on your Wirex membership type. Wirex offers three different membership options (Free, Premium and Elite), which come with a monthly subscription. Within each of these options, users can achieve three tiers (Entry, Enhanced and Ultimate), depending on how much WXT tokens they lock for a period of 180 days. Higher tiers offer higher Cryptoback rewards. 

The Wirex Card can be a good option if you’re already interested in using the Wirex app, which provides a convenient way of onboarding into crypto and cashing out to fiat. However, the requirement of holding WXT tokens to earn substantial rewards is a downside.

Get the Wirex Card

8. BitPay Card - A straightforward crypto card with cashback at supported merchants

The BitPay Card is a crypto debit card on the Mastercard network that’s issued by cryptocurrency payments company BitPay. The card allows users to spend 8 different cryptocurrencies, as well as a wide selection of stablecoins, wherever Mastercard is accepted.

When using the BitPay card, user can earn cashback rewards. However, the cashback rewards don’t apply to all purchases, as they are only available at selected merchants. According to BitPay, there are more than 100,000 places where users can get cashback rewards when using the BitPay Card. 

In the BitPay app, you can find a list of online and physical locations where cashback rewards are supported. While BitPay’s cashback program is more limited than what’s offered by competitors, the benefit is that you don’t need to hold any specific tokens in order to become eligible. 

Get the BitPay Card

9. Gemini Credit Card - A credit card with crypto rewards of up to 3%

The Gemini Credit Card is a credit card that allows users to earn rewards in the form of cryptocurrencies. The Gemini Credit Card uses the Mastercard payments network and is offered by the Gemini cryptocurrency exchange. The card is available digitally, as well as physically in three different colors. 

The rewards can be paid out with any of the cryptocurrencies available on the Gemini cryptocurrency exchange. The card offers 3% rewards on dining, 2% rewards on groceries, and 1% rewards on all other purchases.

Unlike the other cards featured in this article, the Gemini Credit Card is not meant for spending cryptocurrencies. Instead, the unique feature of this crypto rewards credit card is that users earn cryptocurrency rewards. The crypto rewards become available in the user’s Gemini account immediately after the purchase is made.

A strong point of the Gemini Credit Card is that users can choose which cryptocurrency they want to receive their rewards in. Users can change the crypto to receive as many times as they want. So, you can earn Bitcoin rewards or choose a more exotic altcoin that you believe has higher upside.

Get the Gemini Credit Card

Crypto card comparison chart

Now that we’ve learned about some of the best crypto credit and debit cards on the market, let’s go through a quick overview of how they stack up against each other. 

	Type	Network	Rewards	Best feature	Worst feature
Binance Card	Crypto debit card	Visa	Up to 8%	High rewards, relatively low requirements	Requires users to hold BNB to access higher rewards tiers
Ledger Card	Crypto debit card	Mastercard	Up to 2%	Integration with Ledger Live software, robust security	Lower cashback rewards than ome competitors
Coinbase Card	Crypto debit card	Visa	Up to 4%	Doesn't require users to hold any special tokens to be eligible or rewards	Rewards aren't as high as competitors
Uphold Card	Crypto debit card	Mastercard	Up to $100	Zero foreign exchange rate	High ATM withdrawal fees
Crypto.com Visa Card	Crypto debit card	Visa	Up to 5%	Special perks fork higher card tiers	Requires significant CRO stake or higher tiers
Wirex Card	Crypto debit card	Mastercard	Up to 8%	High rewards for eligible users	Complicated tier structure, requires users to hold WXT tokens for higher tiers
BitPay Card	Crypto debit card	Mastercard	Cashback rewards vary depending on the merchant	Straightforward product, no token holding requirements	Cashback rewards are not available at all merchants
Gemini Credit Card	Credit card with crypto rewards	Mastercard	Up to 3%	Users can choose between 60 cryptocurrencies to earn rewards in	Doesn't allow users to spend crypto balances

The bottom line: Which crypto card to get?

When looking at all the different crypto cards, it quickly becomes clear that crypto cards can be divided into two main categories. There are cards that offer higher rewards but have specific token-holding requirements and cards that offer lower rewards but don’t require users to hold any specific tokens.

If you are already interested in holding tokens like BNB, CRO, and WXT, cards like Binance Card, Crypto.com Visa Card, and Wirex Card are probably worth it. However, these tokens are volatile, and the value of your token holdings could depreciate by much more than what you earn in rewards on your card spending. Among these cards, the Binance Visa Card probably offers the best value proposition.

If you prefer to play it a bit safer but still want to spend your crypto conveniently and earn some rewards along the way, consider getting a Coinbase Card or BitPay card. The Gemini Credit Card is also a compelling option if you are only interested in earning crypto rewards.

So, the bottom line is that the best crypto card for you will depend on your risk tolerance—if you’re willing to hold volatile tokens, you can access higher rewards.

Check out our ultimate guide on cryptocurrency investing for useful tips and general information on how to approach investing in crypto.