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Crypto cards · honest cashback

Spend your crypto
without the fine-print trap.

Almost every card headlines an “up to X%” that needs staking a token, a VIP tier, or a paid subscription. We put the real no-stake base rate first — and show the ceiling only next to what it actually costs you.

Custodial · exchange-issued

Exchange cards

14
Plutus
Plutus Card
3% Base cashback
up to 9% Visa Region-limited
Custodial
The base is 3% in PLU with no stake, rising by PLU-stake level up to 9% when holding 40,000 PLU. It requires a paid subscription (from 6.99 GBP/month) and each plan caps the monthly eligible spend that earns rewards (250 to 1,000 GBP). Rewards are paid in the PLU (Pluton) token.
Monthly cap
Monthly eligible-spend cap per plan (250-1000 GBP)
Fees
FX 2.5%
Regulation
Modulr FS (UK FCA EMI)
Regions
UK · EEA · Not US / Canada / Asia
The catch Handle with care. Rewards pay in the volatile PLU token and sit in a 45-day "pending" period before they're released. There is a documented UK Financial Ombudsman decision where an account was put into "sleep mode" and the user couldn't retrieve accrued PLU without a paid plan (the complaint was not upheld). Trustpilot sits around 1.7/5 with recurring subscription and support complaints, and the free tier was removed in 2026. The top 9% needs a large PLU stake.

The highest headline in this group and the most cautionary. The honest read — a 9% cap looks great until you weigh the volatile PLU payout, a 45-day pending hold, a lost ombudsman complaint over frozen rewards, poor Trustpilot scores and now-mandatory paid plans. Treat any advertised rate here with real skepticism.

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Source plutus.itfinancial-ombudsman.org.uk
Verified 2026-07-08
Bybit
Bybit Card
2% Base cashback
up to 10% Mastercard Region-limited
Custodial
2-10% depends on your Bybit exchange VIP tier or spend volume. The separate EU programme is a flat 1% instead. The 2% base is capped at about $5 per month.
Monthly cap
Base 2% capped at ~$5/month
Fees
FX 0.5% + 0.9% conversion
Regulation
Issuer varies by region (unconfirmed)
Regions
EEA · Switzerland · Australia · Argentina · Brazil · AIFC · APAC · Not US / Singapore / Hong Kong
The catch The 2% base is capped at roughly $5/month, so it maxes out after only ~$250 of spend. Anything higher needs a high exchange VIP tier. In the EU the card is just a flat 1%. The card issuer differs by region and we could not confirm it, so we leave it unstated.

Regionally available and heavily tier-gated. The honest read — a $5/month cap on the 2% base means the advertised "up to 10%" is realistic only for high-volume exchange VIPs. EU users get a flat 1%.

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Source bybit.com
Verified 2026-07-06
OKX
OKX Card
2% Base cashback
up to 10% Mastercard (EEA) / Visa (Singapore) Region-limited
Custodial
2-10% is set by your OKX exchange VIP tier, with a monthly cap that scales from about €10 up to €1,000. Crucially, cashback is only earned on spending in USDG - paying with USDC or USDT earns 0%.
Monthly cap
Monthly cap ~€10 (base) up to €1,000 (top tier)
Fees
FX 0.1-0.4% spread
Spends
USDG (earns cashback) · USDC (0% cashback) · USDT (0% cashback)
Regulation
UAB Monavate (Lithuania EMI); OKX Europe (Malta CASP)
Regions
EEA · Singapore · Not US
The catch The single biggest trap — you only earn cashback when you pay in USDG. Spend the far more common USDC or USDT and you get nothing. On top of that, the higher tiers need a serious OKX exchange VIP status, and the rollout is new and limited.

A brand-new exchange card whose cashback is quietly conditional on spending a niche stablecoin (USDG). Pay with anything else and the reward vanishes - a detail easy to miss behind the "up to 10%" headline.

Source okx.com
Verified 2026-07-06
Uphold
Uphold Card
2% Base cashback
up to 4% Visa Region-limited
Custodial
US Essential card pays a flat 2% in XRP on all spend, capped at $120/month. The 4% tier needs the Elite plan ($99.99/year) and only applies to spend funded from a crypto or metal balance (3% from fiat), capped at $300/month. The UK card is a flat 1% in GBP, and only on GBP-funded spend.
Monthly cap
Base 2% capped at $120/month (US)
Fees
FX Essential $1.50/purchase; Elite 0%
Regulation
Cross River Bank (US, FDIC) / Optimus Cards UK (FCA EMI)
Regions
US (not NY / Louisiana) · UK
The catch Cashback is paid in XRP in the US and can't be switched to another asset, so its real value floats with the XRP price. USD balances are FDIC-insured via Cross River Bank, but crypto and metals are not insured. The 4% headline needs a paid Elite plan and crypto-funded spend.

One of the more transparent exchange cards. The honest read — a guaranteed 2% in XRP with no staking or token requirement is genuinely usable, but the cashback asset is fixed to XRP and the top 4% needs a $99.99/year plan. Only US and UK.

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Source uphold.com
Verified 2026-07-08
Fold
Fold Card
1.5% Base cashback
up to 4% Visa Region-limited
Custodial
The credit card pays a base 1.5% in bitcoin on all eligible purchases with no cap. It reaches 4% by adding +0.5% for recurring bitcoin buys and +0.5% for paying the statement with bitcoin held at Fold. Rotating merchant boosts go up to 15%. The debit card pays around 0.5% for Fold+ members.
Monthly cap
No cap on the base 1.5% (credit card)
Fees
FX $0 for Fold+ members
Regulation
Sutton Bank (debit, FDIC) / Celtic Bank (credit)
Regions
US only (SSN required)
The catch Rewards are paid in bitcoin, so their value swings with the BTC price. It's US-only and needs an SSN. Reaching 4% requires recurring buys plus paying your statement in bitcoin, and the boosts need the Fold+ plan ($100/year). Bitcoin is held custodially via BitGo (insured to $250M by Lloyd's), and small on-chain withdrawals carry a ~50k-sat network fee.

A bitcoin-maximalist card done fairly transparently — custodial BTC with real insurance and no annual card fee. The honest read — the everyday base is 1.5% in bitcoin, the marketed higher numbers need conditions or the paid plan, and it's US-only. Best for people who actively want to stack sats, not for fiat cashback.

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Source foldapp.com
Verified 2026-07-08
Coinbase
Coinbase Card
1% Base cashback
up to 4% Visa (debit) Region-limited
Custodial
"Up to 4%" is a rotating reward category you must pick manually each period; the everyday default is about 1% paid in BTC or ETH. No staking required.
Paid in
Crypto (BTC / ETH or the selected asset)
Fees
Issuance None
Spends
USDC · BTC · ETH
Issuer
Pathward N.A.
Regulation
Pathward, N.A. (US, Member FDIC), Visa
Regions
US only (except Hawaii)
The catch A ~2.49% crypto conversion spread applies when you spend a non-USDC balance, which quietly eats most of the 1% reward. The higher 4% needs the rotating category active. A separate Coinbase One Card (Amex) offers up to 4% BTC but needs the $49.99/yr Coinbase One subscription and tiers by your Coinbase assets.

A US-only Visa debit that spends your Coinbase balance. Pay with USDC to avoid the conversion spread; the "up to 4%" is a manual rotating category, not a flat rate. Honest base is roughly 1%.

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Source coinbase.com
Verified 2026-07-06
Bitget
Bitget Card
0.5% Base cashback
Visa Region-limited
Custodial
Bitget publishes two different cashback schemes across regions, and we won't pick one headline number. One is based on holding BGB (0.5% at zero, rising to 8% at 20,000+ BGB). The other is exchange-VIP-based (2% for non-VIP capped at $5/month, up to 12% for VIP5-7 capped at $800/month). Rewards are paid in BGB.
Monthly cap
Base 2% VIP scheme capped around $5/month
Fees
FX 0.9% conversion + 1% foreign transaction
Regulation
Issuer not disclosed (Visa-powered)
Regions
EEA · Select APAC · Not US / UK / Canada
The catch The card is custodial — the spending balance is the same pool as your Bitget trading account. The two published cashback schemes don't agree, so the real max depends on region and version. Rewards are in the BGB token, whose value floats, and the issuing bank is not disclosed. Bitget's own FAQ still describes the card as invitation-only in places.

A tier-gated exchange card with conflicting public numbers, so we show the 0.5% floor and describe both schemes rather than a marketing max. The honest read — rewards are in Bitget's own BGB token, the balance isn't separated from the exchange, and the top rates need either a large BGB holding or a high exchange VIP tier.

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Source bitget.com
Verified 2026-07-08
CoinZoom
ZoomCard
0.5% Base cashback
up to 5% Visa Region-limited
Custodial
The base is a guaranteed 0.5% with no token required. It rises by ZOOM-token holding — 1% at 10,000, 2% at 50,000, 3% at 150,000, up to 5% at 300,000 ZOOM. Rewards are paid in the ZOOM token and capped to the first $5,000/month of spend in select merchant categories.
Monthly cap
First $5000/month in select merchant categories
Fees
FX Crypto conversion 1.49%
Regulation
US money transmitter (enforcement actions in OH and WA)
Regions
US (not NY / WA)
The catch The flag here is regulatory. Ohio suspended CoinZoom's money-transmitter licence in 2024, and in February 2026 Washington ordered it to surrender its licence with a fine and a ban on operating in the state until 2029. Rewards pay in the volatile ZOOM token, and the 5% top rate needs 300,000 ZOOM. The card is custodial and Trustpilot sits around 2.9/5 with recurring withdrawal-delay complaints.

A US token-tier card carrying active state enforcement actions. The honest read — the guaranteed base is a modest 0.5%, the 5% top needs a large ZOOM holding, and the bigger concern is the regulatory record (Ohio suspension, Washington surrender order). Understand the state-level risk before funding it.

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Source coinzoom.comdfi.wa.gov
Verified 2026-07-08
KuCoin
KuCard
0.5% Base cashback
up to 3% Visa Region-limited
Custodial
In the EEA the tier runs from 0.5% at zero KCS up to 3% when holding 3,500+ KCS, paid in KCS or USDT. A separate New Zealand programme advertises up to 8.5% for the very top exchange VIP tiers, paid in USDC. Rates and payout currency differ by region.
Monthly cap
No explicit monthly cap on the EEA tier
Fees
FX 0.5-0.8% Visa markup on cross-currency
Regulation
Wallester AS (EEA, Visa) / Immersve (Australia, Mastercard)
Regions
EEA · Australia · New Zealand · Not US / UK
The catch The card is custodial and funds stay on KuCoin until spent. KuCoin the exchange is banned in the US after a CFTC settlement, so the card is unavailable there. The 3% tier needs 3,500 KCS, whose value floats, and the product is fragmented across regions with different issuers, networks and rates. Service was briefly suspended for maintenance in 2025.

A regionally fragmented exchange card. The honest read — the standard EEA rate is a modest 0.5-3% and the higher New Zealand figure is a separate local programme. Rewards ride on the KCS token, and the card isn't available in the US or UK.

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Source kucoin.com
Verified 2026-07-08
Nexo
Nexo Card
0.5% Base cashback
up to 2% Mastercard Region-limited
Custodial
Cashback is only earned in "Credit Mode" (spending a credit line borrowed against your crypto) and needs a portfolio of at least $5,000. 2% is paid in NEXO tokens at the top loyalty tier; choosing BTC payout caps you at 0.5%.
Paid in
NEXO (2%) or BTC (0.5%)
Issuer
DiPocket
Regulation
DiPocket UAB (Lithuania/UK EMI)
Regions
EEA · UK · 30+ countries
The catch To earn anything you must use Credit Mode — i.e. borrow against your own crypto — and hold a $5,000+ portfolio. The headline 2% is paid in the volatile NEXO token and requires the top loyalty tier; the BTC option is a quarter of that.

A hybrid card built around Nexo's lending model. It only rewards you when you spend borrowed money against collateral, which is a fundamentally different (and riskier) proposition than a plain cashback debit card.

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Source nexo.com
Verified 2026-07-06
Wirex
Wirex Card
0.5% Base cashback
up to 8% Mastercard Region-limited
Custodial
The Classic card pays a base 0.5% in WXT. Premium (9.99 EUR/month) lifts the base to 1% and Elite (29.99 EUR/month) to 4%. The advertised 8% needs the Elite plan plus locking 7.5 million WXT for 180 days. Rewards are paid in the WXT token.
Monthly cap
Per-tier monthly caps (not fully specified)
Fees
FX 0% in 35 countries (limits apply)
Regulation
Transact Payments Malta (EEA) / Wirex (UK, FCA EMI)
Regions
UK · Outside EEA / Australia · Crypto cashback disabled in EEA / Australia since 30 Jun 2026
The catch This is the big one — since 30 June 2026 the Classic app's crypto features and the Cryptoback cashback are switched off for EEA and Australia users, leaving only fiat there; those users are pushed to a separate new product, Wirex One. Where the Classic card still works, cashback pays in the volatile WXT token and the 8% headline needs a paid Elite plan plus a 180-day lock of 7.5M WXT. The card is custodial.

Once a flagship crypto card, now regionally hollowed out. The honest read — if you're in the EEA or Australia the Classic card's crypto cashback is gone as of 30 June 2026, and where it survives the rewards are in volatile WXT with an 8% top rate that demands a paid plan and a large token lock. Check your region first.

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Source status.wirexapp.comcryptoslate.com
Verified 2026-07-08
RedotPay
RedotPay Card
0% Base cashback
up to 3% Visa Active
Custodial
The free card earns no cashback at all. The maximum 3% requires the paid RedotPay Pro plan (12.90 USD/month or 129 USD/year) and applies only to Apple Pay and Google Pay payments, not ordinary card spend. It's capped at 18 USDs of cashback per month, paid in "USDs", RedotPay's internal dollar unit.
Monthly cap
18 USDs per month
Fees
FX 1.0% conversion + 1.2% foreign transaction
Regulation
Hong Kong MSO/TCSP; US FinCEN MSB (issuer not disclosed)
Regions
Global · Not US / China / Russia / Ukraine / sanctioned
The catch The headline trap here is the base — the standard card earns 0% cashback, so the "up to 3%" only exists behind a paid subscription and only on mobile-wallet payments, capped at $18/month. The card is custodial; RedotPay cites Fireblocks custody and $42M cover in one place while another source finds no public proof-of-reserves, so we treat insurance as unconfirmed. The issuing bank is not disclosed.

A widely available global card whose cashback is weaker than it looks. The honest read — the standard card pays nothing, and the advertised 3% is gated behind a paid plan, mobile-wallet-only spend and an $18/month cap. Fine as a spending card in unsupported-elsewhere regions, but not a cashback story.

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Source spendnode.iocryptoslate.com
Verified 2026-07-08
Crypto.com
Crypto.com Visa
— Base cashback
up to 9.5% Visa Active
Custodial
Top "Private" tier (8.5-9.5%) and Pro tier (~4%) require staking CRO locked for 365 days. The no-stake base rate is not published as a firm figure while the tiers are being rebranded (Basic / Plus / Pro / Private) in 2026, so we leave it blank rather than guess.
Paid in
CRO
Regulation
Community Federal Savings Bank (US) / Foris MT Ltd (Malta, MFSA)
Regions
Global (availability varies by country) · US: separate Signature credit card
The catch The headline rates require locking a large CRO stake for a full year — that is capital at risk on a volatile token, not a simple debit reward. Tiers and stake thresholds are mid-rebrand in 2026 (exact dollar amounts unconfirmed). In the US the card is a separate Signature credit card (advertised up to 6%), not this Visa debit.

The best-known crypto card, but its cashback has always been a staking product in disguise — the meaningful rates only unlock if you lock up CRO. With the tier system being rebranded through 2026 we publish only what is verifiable and flag the rest.

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Source crypto.com
Verified 2026-07-06
Kraken
Krak Card
— Base cashback
up to 2% Mastercard Region-limited
Custodial
2% is the top tier and needs roughly a €/£50,000 rolling 30-day Kraken balance; lower balances earn less. The base tier rate is not published as a firm figure, so we leave it blank. Notably there is no monthly cashback cap.
Monthly cap
None (uncapped)
Issuer
Monavate
Regulation
MiCA CASP (Payward Europe, Ireland)
Regions
UK · EEA
The catch A new card (launched November 2025; metal version March 2026), so the track record is thin. The 2% headline is gated behind a large ~€/£50k balance held on Kraken — most users land in a lower tier.

One of the more honest exchange cards — no monthly cashback cap and MiCA-regulated in the EU. The trade-off is that the top 2% rate demands a serious Kraken balance, and the product is still very young.

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Source krak.comkraken.com
Verified 2026-07-06
Self-custodial · spend from your wallet

Self-custodial cards

5
MetaMask
MetaMask Card
1% Base cashback
up to 3% Mastercard Active
Self-custodial
The free virtual card pays 1% in mUSD. 3% requires the paid Metal plan ($199/year) and applies only to the first $10,000 of spend per year.
Monthly cap
3% tier limited to first $10,000/year
Paid in
mUSD
Fees
Annual Free (virtual) / $199 per year (Metal)
Spends
USDC · USDT · mUSD · aUSDC
Issuer
Monavate + Cross River Bank
Regulation
Cross River Bank (US) / Monavate (EEA)
Regions
US (49 states) · UK · EEA · LATAM
The catch Truly self-custodial - it spends stablecoins straight from your own wallet (your aUSDC even earns yield up to the moment you tap). But the eye-catching 3% needs a $199/year subscription and only counts on your first $10,000 of annual spend; above that it drops back to 1%.

The flagship self-custodial card — no exchange holds your money, and idle funding assets keep earning DeFi yield until spent. The 3% is a paid, capped perk - the honest everyday rate is 1% in mUSD.

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Source metamask.io
Verified 2026-07-06
ether.fi
ether.fi Cash
0.5% Base cashback
up to 3% Visa Region-limited
Self-custodial
The free Core tier pays about 0.5%. 3% requires staking large amounts of the ETHFI token - 15,000 ETHFI for the Luxe tier, 100,000 ETHFI for Pinnacle. Cashback is capped at $1,000 per month.
Monthly cap
$1,000/month
Fees
FX 1%
Regulation
Third National / Nimbus LLC (Puerto Rico money transmitter, not a bank)
Regions
93 countries (not US)
The catch The 3% ceiling means staking 15,000-100,000 ETHFI - a large amount of capital locked in a volatile token whose price swings can dwarf the cashback. Cashback is capped at $1,000/month, there is a 1% FX fee, and it is unavailable in the US.

A self-custodial, credit-style Visa spending straight from your on-chain assets. The free tier's ~0.5% is the realistic number; the 3% is a staking play for large ETHFI holders, not a debit reward.

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Source ether.fi
Verified 2026-07-06
Holyheld
Holyheld Card
0.5% Base cashback
up to 1% Mastercard Active
Self-custodial
The base plan pays 0.5%; the paid Metal plan pays 1%. Cashback is paid in USDC but only after a 30-day holding period.
Paid in
USDC (after a 30-day hold)
Spends
USDC and other on-chain stablecoins (many chains)
Issuer
Unlimit
Regulation
Unlimit (Cyprus EMI, Central Bank of Cyprus)
Regions
—
The catch Self-custodial and works across many chains, but the rewards are modest — 1% only on the paid Metal plan, and the cashback lands in USDC only after a 30-day hold. A EUR 1/month inactivity fee kicks in after 4 months of no use. The card network was not confirmed in our sources, so we leave it blank.

A multi-chain self-custodial card with straightforward but small cashback. The USDC payout is real money (not a volatile token), but you wait 30 days for it, and only the paid tier reaches 1%.

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Source holyheld.com
Verified 2026-07-06
Gnosis Pay
Gnosis Card
— Base cashback
Visa Active
Self-custodial
Cashback came from HOLDING GNO (not staking) on tiered thresholds - roughly 0.1 GNO -> 1%, 1 -> 2%, 10 -> 3%, 100 -> 4%, plus 1% with an OG NFT. This ran under program GIP-131, which expired on 30 June 2026 and is being restructured (Zeal / Picnic), so we treat the current rate as unconfirmed rather than publish it.
Fees
Annual EUR 30/year
Spends
Stablecoins on Gnosis Chain (Safe smart account)
Issuer
Monavate
Regulation
Monavate (UK FCA EMI / Lithuania UAB for EEA)
Regions
EU · UK
The catch Self-custodial via a Safe smart-account on Gnosis Chain - you keep control of the keys. But the cashback always required parking a large amount of GNO (capital tied up in a volatile token), and the program that paid it (GIP-131) ended on 30 June 2026, so what the rate becomes next is genuinely unsettled right now.

A genuine self-custodial Visa built on a Safe smart account. We deliberately do not headline a cashback number — the GNO-holding rewards ran under a program that has just expired, and the replacement is not confirmed yet.

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Source gnosispay.com
Verified 2026-07-06
Tangem
Tangem Pay
— Base cashback
Visa (virtual) Region-limited
Self-custodial
No cashback programme has been published for Tangem Pay, so we do not list a rate. Its appeal is the fee structure, not rewards.
Fees
Annual None - only Polygon gas (~$0.01 per payment)
Spends
USDC (Polygon)
Regulation
MiCA (EEA, from 23 March 2026)
Regions
EEA
The catch Self-custodial — it spends USDC on Polygon straight from your Tangem wallet, with no monthly or per-transaction fees beyond a fraction of a cent in gas. The downsides are that it is brand new with a very small footprint, and there is no cashback programme to speak of yet.

A near-zero-fee self-custodial card that spends USDC on Polygon. There is no cashback to advertise, so we do not invent one - the honest pitch here is cheap, keys-in-your-pocket spending, not rewards.

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Source tangem.com
Verified 2026-07-06
🧾
How to read this. Cards have no rate API, so this catalog is checked by hand and dated. Rates, tiers and regional availability change often — always confirm on the provider's official page before applying. This is information, not financial advice.
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