7 Best Crypto Credit Cards with Rewards in August 2026
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If you’re wondering which providers offer the best crypto credit cards, you’ve come to the right place. We analyzed and tested over 40 cryptocurrency card providers to identify those that offer the best services. Our main focus was on their fees, daily/monthly limits, rewards, accessibility, and eligibility. Based on our research, the BingX Card takes top place for its combination of up to 5% cashback, zero annual fees, support for Apple Pay and Google Pay, and fee-free ATM withdrawals of up to $200 per month.
To make your choice easier, we listed both credit and debit, as well as virtual and physical crypto cards issued by Visa and Mastercard. After reading our extensive reviews, you’ll learn how crypto cards work and which types of rewards they usually offer. With that in mind, here’s a list of our top-rated crypto cards.
Best Crypto Credit Cards Compared
| Card | Requirements | Rewards | Best For |
| BingX Card | BingX account and identity verification; currently open to eligible KOL, VIP, and invited users | 2% cashback with the virtual card or 5% with the metal card | Crypto spending with cashback |
| Bybit Card | KYC, national ID in the EEA or Switzerland | 2% to 10% cashback, 50% airport lounge access discount, and 100% rebates on streaming services | Earning interest |
| Freedomia Card | Annual subscription; no KYC required within standard limits | No cashback rewards; instant crypto top-ups and a personal Lightning Address | Private, no-KYC crypto spending |
| Nexo Card | KYC, portfolio balance of at least $50 for a virtual card or $5,000 for a physical card | 0.5% to 2% in NEXO Tokens or 0.1% to 0.5% in BTC | Obtaining a credit line |
| Coinbase Card | Coinbase account, US, UK, or EU residency, and KYC | 1% to 4% on everyday transactions | US users |
| CEX.IO Card | CEX.IO account, KYC, and EEA residence | Variable by promotion, currently 1,000 DOGE per transaction | Best crypto debit card |
| Crypto.com Card | Crypto.com account, KYC, and CRO token staking | 2% to 8% on everyday transactions, 5% to 10% on travel, and streaming service rebates | Overall best crypto credit card |
Best Crypto Rewards Cards Reviewed – A Closer Look
We’ll now review the leading crypto cards, covering everything consumers need to know. Ensure you read through each review to make an informed decision.
1. BingX Card – Overall Best Crypto Card
The BingX Card merges everyday crypto spending with cashback rewards and support for more than 50 million Visa merchants worldwide. It is available as either a virtual card or a premium metal card, with both versions drawing USDT directly from the user’s BingX Fund Account and settling purchases in US dollars.
The virtual card offers 2% cashback on eligible spending, capped at $50 per month. Users who qualify for the metal card can earn 5% cashback, with a higher monthly cap of $120. Rewards are credited in real time, allowing cardholders to see their USDT cashback shortly after completing a purchase.
Both card types can be connected to Apple Pay and Google Pay, making them suitable for online, in-store, and contactless payments. Metal cardholders can also withdraw cash from ATMs, with no fees for the first $200 of withdrawals each month.
BingX does not charge an application, annual, monthly, cancellation, dormancy, or inactivity fee. Metal cardholders do, however, pay a $30 shipping charge, while all transactions carry a 1.5% fee. BingX also states that purchases use real-time exchange rates without hidden exchange-rate markups.
Virtual card applications are open to VIP 1 exchange users and above, while metal cards require VIP 3 status or above. KOLs and invited users may also apply, and regular BingX users can submit their information for priority consideration when wider applications open. You can also check out our full BingX exchange review.
Security features include 3D Secure verification, two-factor authentication, end-to-end encryption, instant purchase notifications, and the ability to freeze a lost or stolen card through the BingX app. BingX also has a $130 million Shield Fund and dedicated anti-fraud team.
BingX Card Key Takeaways:
- Card type: Visa, virtual and physical metal card
- Requirements: BingX account and identity verification; virtual cards currently require VIP 1 status, while metal cards require VIP 3 status
- Rewards: 2% cashback with the virtual card, capped at $50 per month; 5% cashback with the metal card, capped at $120 per month
- Supported asset: USDT held in the BingX Fund Account
- Fees: 1.5% transaction fee, no application or annual fee, $30 metal-card shipping fee, and free ATM withdrawals up to $200 per month before a 2% fee applies
2. Bybit Card – Best Crypto Card For Earning Interest
Bybit, one of the best crypto exchanges globally, also offers a debit crypto card backed by Mastercard. The Bybit card comes without application or annual fees, while its rewards include 2% to 10% cashback on everyday purchases, free subscriptions for Amazon Prime, Spotify, Netflix, TradingView, and ChatGPT, and a 50% airport lounge access discount. However, the rewards will depend on your tier level, which will be determined by your trading volume on the Bybit exchange.
This is also one of the best crypto cards for earning interest. You can use its auto-earn feature to earn interest on your idle assets. Moreover, you can earn compounding interest via Bybit’s Flexible Earn service by enabling the auto-deduction function on the Bybit card dashboard. Bybit offers both a physical and virtual card for added convenience. Crucially, do note that Bybit provides a debit card rather than a credit card. This means you can only spend balances held in the Bybit account. Moreover, you won’t need to worry about interest payments.
The Bybit card is available in EEA countries, Australia, Brazil, Argentina, and Mexico. You’ll get to spend between €5,000 and $13,500 per day, depending on your region. There are no annual fees. However, you’ll have to pay the conversion fees, which range between 0.5% and 0.9%, while the ATM withdrawal fee stands at 2%.
Bybit Card Key Takeaways:
- Card type: Debit, Mastercard, virtual and physical
- Requirements: KYC verification, national ID, passport, EEA or Swiss residence permit, or EEA or Swiss driving license
- Rewards: 2% to 10% cashback, free subscriptions for Amazon Prime, Spotify, Netflix, TradingView, and ChatGPT, 50% airport lounge access discount
- Available countries: EEA, Australia, Brazil, Argentina, Mexico
- Fees: 0.5% – 0.9% crypto conversion fee, 2% ATM withdrawal fee
3. Freedomia Card – Best No-KYC Crypto Card
The Freedomia Card is an excellent virtual Visa card designed for users who want to spend crypto without completing identity verification (KYC). Cardholders subscribe to an annual plan, create their digital card, add funds using supported cryptocurrencies, and then use the card for online purchases, subscriptions, international payments, and in-store spending wherever compatible digital wallets are accepted.
Freedomia supports Bitcoin, Monero, Ethereum, Litecoin, Solana, TRON, BNB, USDT, and USDC, among other assets, and the card balance is held in U.S. dollars. USDT and USDC deposits made over Polygon are the cheapest funding options, although users can also top up with Bitcoin through the Lightning Network.
Each cardholder receives a personal Lightning Address in the format “[[email protected]]”, and Bitcoin sent to this address is automatically converted into dollars and added to the card balance. This removes the need to figure out deposit and conversion steps before spending.
Freedomia currently offers its Founder plan for $5 per month, billed as a $60 annual payment. This includes a monthly spending limit of $5,000, an annual limit of $60,000, priority support, and a 1.3% top-up fee. Freedomia says Founder members will retain this price, while its planned HODL and MOON tiers will cost more.
The card supports 3D Secure payments and Google Wallet is supported, enabling contactless payments – Apple Pay is listed as coming soon. Transactions made in U.S. dollars have no foreign exchange fee, while spending in other currencies carries a standard 2.5% FX fee.
One of the major selling point is privacy – users can create and use the card without KYC within spending limits. This will likely appeal to privacy-focused crypto users, Bitcoin holders, digital nomads, and people who have difficulty accessing conventional financial services.
Freedomia Card Key Takeaways:
- Card type: Virtual Visa card
- Requirements: Annual subscription; no KYC required within standard limits
- Rewards: No cashback program; includes a personal Lightning Address and instant crypto top-ups
- Supported assets: BTC, XMR, ETH, LTC, SOL, TRX, BNB, USDT, USDC, and more
- Fees: Founder plan costs $60 annually, with a 1.3% top-up fee and a 2.5% FX fee for non-USD spending
- Limits: $5,000 per month and $60,000 per year on the Founder plan
4. Nexo Card – Best Card for Obtaining a Credit Line
Nexo offers a wide range of services, including savings accounts, loans, and a crypto card. The card is issued by Mastercard, and it comes with a native app for iOS and Android. The app offers real-time transaction notifications and the ability to freeze the card at any time. That said, the most interesting feature is being able to switch between ‘credit’ and ‘debit’ modes.
The latter enables users to spend their crypto balances, with transactions converted to the local currency. Alternatively, users can pay for purchases with a credit line, with borrowing rates starting at 2.9%. This is a good option for those who don’t want to sell their cryptocurrencies to pay for transactions.
Credit lines are based on account balances, meaning the value of your crypto is used as collateral. Nevertheless, the Nexo Card offers cashback rewards, although they’re much lower than those of other providers. On that note, you’ll earn between 0.1% and 0.5% in Bitcoin and between 0.5% and 2% in NEXO tokens, the platform’s native token. The specific amount will depend on your loyalty tier.
Nexo Card Key Takeaways:
- Card type: Credit and debit, Mastercard, virtual and physical
- Requirements: KYC verification and a total portfolio balance value of at least $50 (for a virtual card) or $5,000 (for a physical card)
- Rewards: 0.5% to 2% in NEXO Tokens or 0.1% to 0.5% in BTC, depending on your loyalty tier
- Available countries: European Economic Area (EEA) and the United Kingdom
- Fees: No monthly, annual, or inactivity fees, 2% ATM withdrawal fee, 0.2%-2% foreign exchange fee
5. Coinbase Card – Best Crypto Card for US Users
The next option to consider is the Coinbase card. This virtual and physical card is issued by Visa and backed by Coinbase, one of the world’s largest exchanges. The card is available in both the U.S. and Europe, and it functions as a debit card. This means there’s no credit check when applying, nor will cardholders pay interest.
There are no spending or annual fees either. Coinbase Card is a great option for earning rewards. It offers 1% on all transactions when receiving rewards in Bitcoin, Ethereum, and Dogecoin. This increases to 4% when opting for Stellar or The Graph. Coinbase Card also comes with a dedicated app, making it seamless to track and manage transactions.
During the fall of 2025, Coinbase plans to launch a crypto credit card – Coinbase One Card. This card will be available only to Coinbase One members who reside in the U.S. Coinbase One Card will be powered by the American Express Network, while its rewards will include up to 4% Bitcoin cashback.
Coinbase Card Key Takeaways:
- Card type: Debit, Visa, virtual and physical
- Requirements: Coinbase account, residing in an eligible country (U.S., UK, and some EU countries), KYC verification
- Rewards: 1% to 4% on everyday transactions
- Available countries: U.S., Austria, Belgium, Denmark, France, Germany, Spain, Sweden, and more
- Fees: Zero transaction fees, you may be charged fees by an ATM operator
6. CEX.IO Card – Best Crypto Debit Card
Next up is CEX.IO, which offers a crypto debit card that allows you to spend your exchange balances in physical and online stores worldwide. The card is accepted by 200+ merchants in over 150 countries, but it’s only available for residents of the European Economic Area (EEA).
CEX.IO Card is issued by Mastercard and doesn’t charge issuance or maintenance fees. It’s a virtual card that you can use via the platform’s mobile app or add to Google/Apple Pay. You can use it to make purchases in Euro or 200+ cryptocurrencies, depending on your balance on the main CEX.IO exchange.
Unlike other cards on our list, the CEX.IO card doesn’t have a set cashback percentage. Instead, the rewards vary by the promotional event the platform is running. Currently, you can earn 1,000 DOGE for every purchase over €1. Transaction limits are set to €3,000 daily and €20,000 monthly, and you won’t be able to use it for ATM withdrawals.
CEX.IO Card Key Takeaways:
- Card type: Debit, Mastercard, virtual
- Requirements: Create a CEX.IO account and complete KYC verification. You need to reside in the EEA
- Rewards: Varies by promotional event
- Available countries: European Economic Area
- Fees: No issuance or maintenance fees
7. Crypto.com Visa Card – Overall Best Crypto Card
Crypto.com offers six different crypto credit cards. Each is issued by Visa, ensuring the card can be used at millions of online and in-store merchants. All cards, apart from ‘Midnight Blue’, offer rewards. This ranges from 2% to 8% on everyday transactions, while travel-related spending rewards go up to 10%. Those on the higher-tier cards also get free Spotify and Netflix subscriptions. Not to mention airport lounge access and exclusive sporting experiences (including F1 and UEFA Champions League).
The Crypto.com debit card is ideal for Cronos holders since rewards are paid in Cronos (CRO), Crypto.com’s native token. However, there are minimum requirements. For example, the ‘Prime’ card requires locking at least $1 million CRO tokens, while the lowest amount of CRO to hold is $500 on the ‘Ruby Steel’ card. Yet, this only offers 2% rewards and no bonuses on travel-related spending.
The Crypto.com Visa card comes in virtual and physical form. You’ll have to pay €4.99 to get a physical card, while a virtual card is free. Crypto.com recently launched a new card called the Crypto.com Visa Signature Credit Card. This credit card comes with up to 6.5% cashback on every purchase and 100% rebates on Netflix and Spotify.
Crypto.com Card Key Takeaways:
- Card type: Debit, Visa, virtual and physical
- Requirements: Sign up for a Crypto.com app account, complete KYC verification, stake CRO tokens
- Rewards: 2% to 8% on everyday transactions, 5% to 10% on travel, free Netflix and Spotify subscriptions
- Available countries: US, Canada, Australia, and most European countries (Austria, France, Germany, Italy, Spain, etc.)
- Fees: 2% ATM withdrawal fee, €4.99 for a physical card issuance, €5 inactivity fee per month, 0.2% foreign transaction fee within the EU and UK, and 2.0% outside the EU and UK
What is a Crypto Credit Card?
Crypto credit cards function like traditional cards issued by Visa and Mastercard and allow you to spend your cryptocurrencies or earn crypto rewards. You can spend funds online and in-store, with some providers offering ATM withdrawals, too.
There are different types of crypto cards in the market:
- Some are connected to crypto balances, such as those held in exchanges and wallets. These allow holders to spend crypto earnings in the real world. The crypto is deducted from the balance and converted to the local currency in real-time.
- Another area is crypto rewards. The card pays rewards on eligible transactions, often in the user’s preferred coin. For example, you might earn 3% on dining transactions, paid in Bitcoin.
Ultimately, the best crypto credit cards allow users to spend their digital assets while earning rewards on transactions.
How Do Cryptocurrency Credit Cards Work?
Crypto cards work differently depending on the provider.
First, some providers offer crypto debit cards, meaning you aren’t borrowing funds. This also means you won’t need to undergo a credit check or pay interest on outstanding balances. Instead, you can only spend what’s available.
Alternatively, some providers offer crypto credit cards. This means you’ll receive a credit limit and an APY, depending on your creditworthiness.
Now, some crypto cards are connected to the user’s exchange or wallet balances.
Here’s how it works:
- Let’s say you have the Gemini Credit Card. By extension, you also have an account with the Gemini exchange.
- You have $500 worth of Bitcoin in your Gemini account.
- You use the Gemini Credit Card to buy a $10 takeout.
- It’s issued by Mastercard, so you use it like any other card.
- In real-time, $10 worth of Bitcoin is sold and converted to USD.
- This means the takeout restaurant receives the $10 as normal.
In addition, you can also earn rewards when using a crypto card.
Here’s what that looks like in practice:
- Sticking with the Gemini Credit Card, it offers 3% cashback on dining
- Gemini allows users to pick their reward currency, so you choose Bitcoin
- On that $10 transaction, you receive $0.30 (3% of $10) worth of Bitcoin
- You would have made the transaction anyway, so it’s a great way of earning free crypto
Types of Crypto Credit Card Rewards
Here are the most common crypto credit card rewards available in 2026:
- Cashback: Some cards offer cashback rewards, which involve a rebate on transactions. Depending on the provider, this rebate can be paid in cash or crypto.
- Bitcoin Rewards: The most popular crypto cards offer Bitcoin rewards. This means you receive free Bitcoin when making eligible purchases. This could be a specific category, like EV charging or travel.
- Staking Rewards: Some credit cards require users to stake their native tokens (e.g. CRO for Crypto.com). This provides access to cardholder rewards, often paid in the same token being staked.
- Exchange Points: It’s also possible to earn exchange points when using a crypto card. Bybit, for example, allows users to swap points in the Rewards Hub. Perks include bonuses and trading discounts.
- Lifestyle Perks: Several crypto cards come with lifestyle perks, often related to popular subscription services. For example, higher-tier Crypto.com cardholders get free subscriptions to Netflix and Spotify.
Methodology: Our Criteria for Ranking The Top Crypto Cards
Our methodology covered the most important factors when ranking crypto cards.
This includes the following:
- Debit or Credit: First, we made sure to include crypto debit and credit cards. For instance, some users prefer debit cards, as there’s no credit check or risk of paying interest. While others prefer credit cards, as they offer increased protection and repayment flexibility.
- Eligibility: We also explored eligibility requirements, including supported nationalities. For credit cards, we estimated the required credit score for acceptance.
- APYs (if relevant): Another research method for crypto credit cards was the APY. This is the interest rate payable when balances aren’t cleared in full.
- Rewards: The best crypto cards offer rewards. We evaluated the reward rate (e.g., 4%), spending categories (e.g., dining and gas), and whether limits apply. We also assessed which coins the rewards are distributed in.
- Fees: Many crypto cards have scrapped application, annual, and foreign transaction fees. We also explored fees related to ATM withdrawals and purchases.
Conclusion
Crypto credit cards are worth exploring if you want increased exposure to digital assets. You can often spend crypto balances in the real world, with cards usually issued by Visa or Mastercard.
You can earn free crypto, too, with many cards coming with cashback rewards. Choosing the right card requires careful consideration, such as fees, reward rates, and limits. You also need to decide between a debit and a credit card. Based on our research, the BingX Card is the overall best crypto card, offering up to 5% cashback, no annual fee, Apple Pay and Google Pay support, and access to more than 50 million Visa merchants.
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References
- What is 3D Secure protection? (N26)
- APY vs. interest rate: What’s the difference and how does it impact your savings? (CNBC)
- What is a credit limit, and how is it determined? (Capital One)
- Mastercard’s crypto card program has benefits for all program partners (Mastercard)
- The difference between credit and debit cards (Lloyds Bank)
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