All 36 crypto credit cards we track, ranked by estimated net annual value after fees, split by how they actually work: true credit, collateral-backed, or crypto-converted cash back.
On $2,000 a month of spending, Robinhood Gold Card leads at roughly $670 a year net, with Solid Card next at about $600. Gemini pays 4% on transit, gas and EV charging (first $300/mo), 3% on dining, 2% on groceries and 1% on everything else, which is the rate the ranking scores it on. Outside the US, most crypto credit cards are collateral-backed: Ether.fi Cash (3% on the first $2,000 a month, then a step-down) and XPlace (0.5-2% USDC + XP) let you borrow against crypto instead of selling it.
The global top five rarely serve every market, so this is the leading credit card on each regional guide, scored at that market's own caps and spending currency.
| Region | Best credit card | Realistic rate | Annual fee | Est. net value | Guide |
|---|---|---|---|---|---|
| United States | Robinhood Gold Card | 3% | $50/yr (annual Gold membership required) | $670/yr | United States guide |
| Europe (EU/EEA) | Solid Card | 3% | $0 | $240/yr | Europe (EU/EEA) guide |
| United Kingdom | Solid Card | 3% | $0 | $240/yr | United Kingdom guide |
| Latin America | Ethena Pay Spend Card | 2% | $0 | $240/yr | Latin America guide |
| Singapore | Ethena Pay Spend Card | 2% | $0 | $240/yr | Singapore guide |
| Japan | Ethena Pay Spend Card | 2% | $0 | $240/yr | Japan guide |
| Canada | No credit card with a positive net value serves this market yet | Canada guide | |||
Each leader is the top-ranked credit card on that regional guide's ranking, scored at that market's caps and spending currency. A global card is one whose terms reach the market without naming it, so availability and the rate are not confirmed there.
"Crypto credit card" covers three very different products, and comparing them on cashback rate alone is misleading. This guide ranks all 36 active credit cards in our database, then separates them by mechanism so you can pick the right kind before picking the card. If you would rather pre-fund and spend, see the companion best crypto debit cards guide.
Every card is scored by estimated net annual value at $2,000 a month of spending, after fees and memberships, on the tier you get without staking or a paid upgrade. Rewards paid in points or in a volatile token (ETHFI, CRO, AVAX and similar) are counted at 50% of face value, because they are paid at the day's price and carry price risk, so a card's ranked rate can sit below its headline rate. Figures are in US dollars so cards can be compared across guides.
Net values in this list assume you spend in each card's billing currency, so they leave out foreign exchange fees, which the regional guides include.
Best forEarning rewards without pre-funding the card
Watchfull identity verification required
Best forSpending straight from a wallet you control
Watchcashback capped at about $50/mo; full identity verification required
Best forSpending straight from a wallet you control
Watchcashback capped at about $100/mo; a different rate applies above $2500/mo of spend; rewards arrive as points or a volatile token, not cash; full identity verification required
Best forEarning rewards without pre-funding the card
Watchfull identity verification required
Best forEarning rewards without pre-funding the card
Watchcashback capped at about $39/mo; full identity verification required
Want the full list? Jump to the full comparison table of all 36 cards →
These are ordinary unsecured credit cards, with a credit check, a credit line, and bureau reporting, that pay rewards in crypto. Nearly all are US-only: Gemini (1-4% by category, Mastercard), Fold Credit (1.5-5% BTC, Visa), Crypto.com US (1.5-6% CRO, Visa Signature), and Coinbase One (2-4% BTC on Amex, requires a Coinbase One membership and excludes NY/HI).
What separates them is less the rate than the asset. Gemini pays in any of 50+ cryptos and lets you switch as often as you like, and it sells themed Bitcoin, XRP, Solana and Zcash editions that all run the same 4/3/2/1% tiers, so the edition you pick is a design choice rather than a different rewards deal. Cardholders who choose Solana as the reward token can opt into auto-staking, advertised at up to 6.12% APR, so the reward keeps earning after it lands. Staking is unavailable in New York, the rate is not guaranteed, and a token reward is only worth its rate if you are willing to hold the token.
A closely related group are traditional cards whose cash back auto-converts to crypto: Robinhood Gold (3% flat + 5% travel with a Gold membership), Robinhood Platinum, and Venmo (1-4%, cash back auto-converted to crypto). These never touch crypto at payment time; the crypto part is purely on the rewards side.
These cards extend a credit line secured by crypto you deposit, so you can spend without selling, and most need no credit check. Ether.fi Cash (3% on the first $2,000 a month, then a step-down), Aven Bitcoin Visa (2% USD, BTC custodied at BitGo; approval is still subject to credit approval), Exa Card (onchain Visa Signature with fixed-rate installments), XPlace (Solana-based, USDC rewards) and Lava (a secured card that spends a USD balance, which Bitcoin holders can fund by borrowing against BTC through Lava's line of credit) all follow this model, as does Solid Card (a secured Visa spent from a non-custodial wallet, $0 annual fee). The newest entrant, Ethena Pay Spend Card, is a secured Visa backed by collateral in the cardholder's own wallet; it launched in a gated beta on 1 September 2026 outside the US, EU and UK, so a listed country does not yet mean an account today. Other secured cards on the same model include Hyperbeat; the Rain-powered Avici and Avalanche Card (collateral held in the user's account or wallet); and Western Union's Stablecard, secured by a USDPT balance in 37 markets.
The trade-off is liquidation risk: if your collateral drops below the required loan-to-value ratio, the provider can sell part of it to cover your balance. Treat the credit line conservatively relative to your collateral.
A newer wave of crypto credit cards comes from licensed banks in specific markets: Binance Japan (1.6% BNB on JCB), SBI Visa Crypto Card, bitFlyer, bitbank EPOS and Zaif in Japan, HashKey Credit Card in Hong Kong (issued by Shanghai Commercial Bank, 2% local and 4% overseas rebates in HKD vouchers, capped at HK$300 a month), DeCard in Singapore (stablecoin credit with Standard Chartered as banking partner), Bipa in Brazil, Lemon Card Crédito in Argentina (Bitcoin-collateralized), and UBOT x MaiCoin and KGI in Taiwan (bank credit cards whose rewards redeem for crypto).
Several top rates sit behind subscriptions: Coinbase One's enhanced tiers cost $49.99 to $2,999.99/yr and the boosted rate applies only to the first $10K/month of spend; Robinhood Gold costs $50/yr. Run your real monthly spend through our ROI calculator to see whether a paid tier beats a free 1.5-2% card.
Only the true credit cards reliably build credit history, since they report to bureaus like any bank card. Most collateral-backed cards skip the credit check and also skip the reporting, so they will not help your score. If building credit matters, that narrows the field to the US true-credit group.
In the US, rewards earned by spending on a credit card are generally treated as a rebate on the purchase price rather than taxable income, although the IRS digital asset guidance does not address crypto rewards specifically. What is clear: once you hold the crypto, later appreciation is a capital gain when you sell or spend it, so record the value at receipt as your cost basis. Rules differ outside the US; the UK guide covers HMRC treatment.
Crypto credit cards come in three forms: true credit cards that earn crypto rewards on normal credit spending (Gemini, Fold Credit, Crypto.com US), collateral-backed cards that let you borrow against crypto you deposit instead of selling it (Ether.fi Cash, Aven, Exa), and traditional cards whose cash back optionally converts to crypto (Robinhood Gold, Venmo). All work like a regular Visa, Mastercard, or Amex at checkout.
True credit cards like Gemini and Fold Credit do, since they extend unsecured credit and report to bureaus. Collateral-backed cards usually do not: your deposited crypto secures the credit line, so cards like Lemon Card Credito and Exa approve without a credit history. That makes collateral cards accessible but also means many do not build your credit score.
In the US, credit card rewards earned from spending are generally treated as a purchase rebate rather than income, though the IRS has not issued crypto-specific guidance on this point. Any gain after you receive the crypto is a capital gain when you sell or spend it. Treatment varies by country; keep records and consult a tax professional.
Yes, but the options differ. Most true crypto-rewards credit cards are US-only. Outside the US, the market is collateral-backed cards with wide reach (Ether.fi Cash, XPlace, Exa, and Ethena Pay in 48 countries outside the US, EU and UK) plus regional cards: Binance Japan, SBI Visa, bitFlyer, bitbank EPOS and Zaif in Japan, HashKey in Hong Kong, DeCard in Singapore, Bipa in Brazil, and Lemon Credito in Argentina.
Often, but check both sides first: many exchanges accept credit card purchases with a 2-4% processing fee, and some card issuers treat crypto purchases as cash advances, adding fees and immediate interest. The cards in this guide work the other way around: you spend normally and earn crypto as rewards. If your goal is simply buying crypto, a bank transfer to an exchange is usually cheaper than paying card processing fees.
Collateral-backed cards lend against your crypto at a loan-to-value ratio. If the collateral price falls far enough, the provider can liquidate part of it to cover your balance, usually after margin warnings. This is the core risk of borrow-against-crypto cards: you keep market upside but a sharp drawdown can force a sale at the worst time.
All 36 active crypto credit cards, side by side. Sorted by estimated net annual value after fees, the same ranking used above.
| Card | Cashback | Annual Fee | Type | Region |
|---|---|---|---|---|
| Robinhood Gold Card | 3% all + 5% travel | $50/yr (annual Gold membership required) | Credit | US Only |
| Solid Card | 3-5% USDC | $0 | Credit | 105 countries (30+ US states) |
| Ethena Pay Spend Card | 4-5% AVAX | $0 | Credit | 48 countries (not US/EU/UK at launch) |
| Aven Bitcoin Visa Card | 2% USD | $0 | Credit | US |
| Union Bank MaiCoin Card | 0.5-4.5% in crypto (BTC/ETH/USDT/USDC) | TWD 0 first year (TWD 2,000 after; waived with e-statements) | Credit | Taiwan (East Asia) |
| Coinbase One (Amex) | 2-4% BTC | $49.99-$2,999.99/yr | Credit | US (NOT NY/HI) |
| Ether.fi Cash | 3-4% ETHFI | $0 | Credit | US (30 states + DC)/EU/UK/Canada/HK/UAE/Singapore/LATAM + more |
| Fold Credit Card | 1.5-5% BTC | $0 | Credit | US |
| Gemini Credit Card | 1-4% | $0 | Credit | US Only |
| KGI Crypto Rewards Card (幣享卡) | 1-3% in crypto (BTC/ETH/USDT/USDC) | TWD 0 first year (TWD 3,000 after; waivable) | Credit | Taiwan (East Asia) |
| Lava Card | 1-5% BTC | $0 | Credit | Global (US focus) |
| Venmo Credit Card | 1-4% | $0 | Credit | US Only |
| HashKey Credit Card | 2-4% HKD vouchers | HK$2,000 | Credit | Hong Kong |
| Binance Japan Card | 1.6% BNB | ¥0 first year (¥1,650 after) | Credit | Japan |
| Zaif Card | 0.8-1.2% BTC/ETH/XYM | ¥1,650 from year 2 (free year 1; waived on ¥100,000 annual spend) | Credit | Japan |
| Crypto.com US Credit Card | 1.5-6% CRO | $0 | Credit | US (49 states, excl. NY) |
| Bitbank EPOS CRYPTO Card | 0.5% BTC/ETH/ASTR | ¥0 | Credit | Japan |
| bitFlyer Credit Card | 0.5-1% BTC | 0 yen (Standard) / 22,000 yen (Platinum, free first year) | Credit | Japan only |
| SBI Visa Crypto Card | 0.5-1.3% BTC/ETH/XRP | ¥0 first year | Credit | Japan |
| XPlace Card | 0.5-2% USDC (Credit Mode) + XP | $0-$999/yr (Silver $99) | Credit | Global excl. 17 countries + 16 US states |
| HashPort Card | 0.3% JPYC | ¥0 (¥2,500 issuance) | Credit | Japan Only |
| Hyperbeat Card | 0.2-1% WHYPE | $0 | Credit | Americas/APAC/Africa/Europe (35 US states) |
| Avalanche Card | 0% | $0 | Credit | US (select states)/LATAM/Caribbean |
| Avici Card | 0% | $0-75 | Credit | Americas/APAC/Africa (31 US states) |
| Bipa Card | 0-1.5% BTC | $0 | Credit | Brazil |
| DeCard | 2-10% (10% only above US$5,000/mo) | $0 (Luminaries: $388/yr) | Credit | Singapore + 8 APAC (AU/JP/KR/MY/PH/TW/TH/VN) |
| Exa Card | 0% | $0 | Credit | US (31 states)/LATAM/APAC/Africa/UAE |
| Gluon Card | 0% | $0 | Credit | Global (excl. 17 countries) |
| KOSH Global Card | Promos only (5% hotels) | $0 | Credit | Select jurisdictions (Asia-focused) |
| Peanut Card | 0% | $0 | Credit | Global (excl. 17 countries) |
| Stablecard by Western Union | None | Not published | Credit | 37 markets (reported: Argentina, Colombia, Mexico, Philippines) |
| OrbitX Card | 0% | $12-$30/yr | Credit | Global (excl. 17 countries) |
| Lemon Card Crédito | 0% | ~$5.90/mo | Credit | Argentina |
| E Money Card | 0% | $99 one-time | Credit | 187 countries (NOT US/Canada) |
| Robinhood Platinum Card | 1-10% | $695/yr | Credit | US Only |
| Slash Card | 0% | Free first year, then 20 USDC | Credit | Japan |