A data-driven comparison of every crypto debit and credit card available to US residents, ranked by cashback rate and net value.
The US crypto card market has matured significantly, with options ranging from true credit cards to Bitcoin-rewards debit cards. Whether you want category-based cashback or flat-rate rewards, there is a card for your spending profile.
A major development in early 2026: MetaMask expanded its Mastercard debit card nationwide across 49 US states after a year-long pilot, offering self-custody spending with up to 3% cashback via a premium metal card. Combined with Mastercard's new Crypto Partner Program (85+ companies including Coinbase, PayPal, and Gemini) and Visa's stablecoin card expansion through Bridge, US residents now have more crypto card options than ever.
Below, we rank the top picks based on base cashback rate, annual fees, availability, and restrictions. All data is verified as of March 2026.
Cashback: 1-10% | Fee: $695/yr | Type: Credit | Base Rate: 10%
⚠️ CRYPTO CASHBACK ONLY — Traditional premium credit card launched March 5, 2026. Does NOT use crypto for payments. Cash back redeemable for crypto at $0.01/point. $250 DoorDash credit, Priority Pass, real platinum-plated card. Invite-only at launch. Gold membership included free. Competes with AmEx Platinum.
Cashback: 5% RIZpoints | Fee: $0 | Type: Debit | Base Rate: 5%
5% RIZpoints on all purchases. Points redeemable for rewards. Fills gap in US + LATAM coverage. Virtual + physical.
Cashback: Up to 4% | Fee: $0 | Type: Debit | Base Rate: 4%
Separate from Coinbase One credit card. Rotating monthly crypto rewards — choose which crypto to earn each month. Up to 4% on select altcoins, ~1% on BTC/ETH. Zero spending/annual fees. Crypto auto-sold to fiat at purchase. NOT available in Hawaii.
Cashback: 1-4% XRP/GBP | Fee: $0-$99.99/yr | Type: Debit | Base Rate: 3%
Relaunched Oct 2025 after SEC/Ripple settlement. US (post-Jan 2026): 4% XRP on crypto/metals, 3% XRP on fiat/stablecoins. UK: Visa, 1% GBP cashback (separate programme). US has virtual card only (physical coming). Salary deposit feature gives additional 4% XRP (stacking up to 10%).
Cashback: 0.5-3% | Fee: Variable | Type: Credit | Base Rate: 3%
Borrow against crypto collateral. Liquidation risk. Rate steps down at higher monthly spend. Available in ~20 US states (major states like NY, CA, TX, FL excluded), EU, UK, Hong Kong, UAE, and others (171 countries total). Tiers unlocked via Membership Points OR staked ETHFI. Migrating from Scroll to OP Mainnet (announced Feb 2026). ~70K active cards, ~$2M daily volume.
| Card | Cashback | Annual Fee | Type | Region |
|---|---|---|---|---|
| Robinhood Platinum Card | 1-10% | $695/yr | Credit | US Only |
| Rizon Card | 5% RIZpoints | $0 | Debit | US/LATAM |
| Coinbase Debit Card | Up to 4% | $0 | Debit | US (excl. HI) |
| Uphold Card | 1-4% XRP/GBP | $0-$99.99/yr | Debit | UK + US |
| Ether.fi Cash | 0.5-3% | Variable | Credit | US (~20 states)/EU/UK/HK/UAE + more |
| Venmo Credit Card | 1-3% | $0 | Credit | US Only |
| Robinhood Gold Card | 3% all + 5% travel | $50/yr or $5/mo (Gold membership) | Credit | US Only |
| Coinbase One (Amex) | 2-4% BTC | $49.99-$2,999.99/yr | Credit | US (NOT NY/HI) |
| Crypto.com US Credit Card | 1.5-6.5% CRO | $0 | Credit | US (49 states, excl. NY) |
| Gemini Credit Card | 1-4% | $0 | Credit | US Only |
| MetaMask Card | 1-3% mUSD | $0-$199/yr | Debit | US (49 states)/EU/UK/LATAM/Canada |
| Baanx / Ledger CL Card | 1-2% | $0 | Debit | US/UK/EU/LATAM/Canada |
| Solayer Emerald Card | 1% + Points | $10-$75 one-time | Debit | Global (US restricted) |
| Pionex Card | 1% USDT | $0 | Debit | Global (NOT US/China) |
| Ripio Card | 0.5-2% | $0 | Debit | LATAM + US + Spain (8 countries) |
| Revolut Crypto Card | 0% on crypto spend | $0-$16.99/mo | Debit | 48+ countries (NOT US) |
| Tangem Pay | 0% | $0 (wallet $69.90) | Debit | 42 countries (US/LATAM/APAC) |
| Avalanche Card | 0% | $0 | Debit | US/LATAM/Caribbean |
| Fold Card | 0.5-1.5% BTC | $0-$100/yr | Debit | US Only |
| Phantom Cash Card | 0% (rewards coming later) | $0 | Debit | US (excl NY/AK) |
| Exodus Spend Card | 0% | $0 | Debit | Multiple (NOT new US signups) |
| THORWallet Mastercard | TITN staking rewards | $0 (one-time ETH fee) | Debit | 100+ countries (NOT US) |
| SafePal Card | 0% (2-3% travel promos only) | TBD | Debit | Global (NOT US) |
| Tuyo Card | TUYO Points | $0 | Debit | US + LATAM |
| Fuse Card | 0% | $0 | Debit | US (excl. NY, AK, FL, LA) + Argentina |
| Pyra Card | 0% | $0 | Credit | 75+ countries (incl. US) |
Not sure where to start? Answer these questions:
Credit cards like the Gemini Credit Card and Coinbase One let you spend on credit and earn crypto rewards without pre-funding. Debit cards like Fold require you to load cryptocurrency first, converting it to fiat at the point of sale.
For most US users, a credit card is the better starting point - you keep your crypto, build credit, and earn rewards simultaneously. Debit cards make more sense if you specifically want to off-ramp crypto for daily spending.
A high cashback rate doesn't always mean the best value. Cards with monthly fees (like Coinbase One at $4.99-$299.99/mo) need enough spend to offset costs. Use our ROI Calculator to find your break-even point.
Note: Several US crypto cards are NOT available in New York or Hawaii due to regulatory restrictions. Coinbase One excludes NY and HI. Baanx excludes NY and VT. Always check state availability before applying.
The US regulatory landscape for crypto cards is fragmented at the state level. While federal regulators (SEC, CFTC, FinCEN) set broad rules, individual states add their own licensing requirements. New York's BitLicense is the most restrictive, which is why many crypto card providers exclude NY residents entirely. Hawaii historically required crypto companies to hold fiat reserves equal to their crypto holdings, though recent legislative changes are opening the market.
Crypto cashback rewards in the US are generally treated as taxable income by the IRS. The fair market value at the time you receive the rewards is considered ordinary income. If you later sell the crypto at a higher price, the difference is a capital gain.
Most US crypto card providers issue 1099-MISC forms if your rewards exceed $600 in a calendar year. Some platforms use 1099-B for reporting disposals when you spend crypto via debit. Keep records of:
Spending stablecoins (USDC, USDT) on a debit card creates minimal taxable events since the value stays near $1. This is why stablecoin-funded cards can be more tax-efficient than spending BTC or ETH directly.
Yes. Several regulated US companies offer crypto-rewards credit and debit cards. These cards are issued by licensed banks and comply with federal and state regulations. However, availability may vary by state (e.g., NY and HI have restrictions for some cards).
The IRS generally treats crypto rewards as income at the time of receipt, based on fair market value. If you later sell the crypto for a profit, you may also owe capital gains tax. Consult a tax professional for your specific situation.
The Gemini Credit Card offers up to 4% cashback with $0 annual fee and is widely considered the best no-fee option for US residents. The Fold Card is another popular choice for Bitcoin enthusiasts.
Yes. Most crypto cards work like regular Visa or Mastercard debit/credit cards and are accepted everywhere those networks are. Rewards are automatically earned in cryptocurrency on each purchase.