All 25 crypto credit cards we track, ranked by cashback rate, split by how they actually work: true credit, collateral-backed, or crypto-converted cash back.
For US residents, the Gemini Credit Card (up to 4% category cashback, $0 fee) and Robinhood Gold Card (3% flat, cash back convertible to crypto) are the strongest picks; Gemini is a true credit card with crypto rewards, while Robinhood's crypto angle is on the rewards side only. Outside the US, most crypto credit cards are collateral-backed: Ether.fi Cash (3% promotional rate), Jupiter Global (2-4% USDC), and XPlace let you borrow against crypto instead of selling it.
"Crypto credit card" covers three very different products, and comparing them on cashback rate alone is misleading. This guide ranks all 25 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.
Cashback: 3% | Fee: $0 | Type: Credit | Base Rate: 3%
Borrow against crypto collateral. Liquidation risk. Core rate 3% on first $2K/mo (raised from 2% in mid-2026) is PROMOTIONAL — standard base rate is 2% and may revert; step-down: 1% $2K-$3K, 0.5% above $3K; $1,000/mo max cashback cap on Core. Luxe/Pinnacle also 3%. What scales is the monthly cashback-eligible spend cap ($2K Core, $10K Luxe, $50K Pinnacle). Available in ~30 US states (20 excluded: AZ, DE, GA, ID, LA, MD, MS, MO, MT, NV, NM, ND, OH, OR, RI, SD, TN, VT, WA, WI — major states like NY, CA, TX, FL ARE available), EU, UK, Hong Kong, UAE, and others (93 countries total). Loyalty Points earn ~3,000 per $1,000 spent so $17K/mo spend keeps Pinnacle status without ETHFI staking. Tiers revert to Core if staked balance drops below threshold. $40 refundable deposit for Core physical card. Migrated to OP Mainnet (April 2026). Cashback paid in USDC.
Cashback: 3% all + 5% travel | Fee: $50/yr or $5/mo (Gold membership) | Type: Credit | Base Rate: 3%
⚠️ CRYPTO CASHBACK ONLY, Traditional credit card. Does NOT use crypto for payments. Cash back redeems at $0.01/point for cash deposit to Robinhood brokerage (or 0.7c/point as statement credit), and can be used to buy crypto. Requires Robinhood Gold ($5/mo or $50/yr as of May 2026; reportedly slated to $75/yr but not yet on official site). No FX fees. Issued by Coastal Community Bank. Visa Signature metal card.
Cashback: 2-4% BTC | Fee: $49.99-$2,999.99/yr | Type: Credit | Base Rate: 2%
NOT available in NY/HI. Requires Coinbase One membership ($4.99/mo or $49.99/yr for base; up to $299.99/mo or $2,999.99/yr). Enhanced rates (Tiers 2-4) capped at first $10K/mo spend, then reverts to 2%. No foreign transaction fee. Issued by First Electronic Bank.
Cashback: 2% crypto | Fee: $99 one-time | Type: Credit | Base Rate: 2%
Rebranded from Scallop (July 2025). Non-custodial Mastercard credit card. 2% crypto rewards on all purchases. $99 one-time fee (USDT/USDC). No FX fees. Supports ETH/BNB/Solana chains. MiCA-compliant. Card listed as live in E Money Network FAQ (Mastercard accepted worldwide). Limited independent third-party verification of cardholder volume.
Cashback: 2-4% USDC | Fee: $0 | Type: Credit | Base Rate: 2%
Crypto-backed credit card on Solana. RATE CHANGE JUL 2026: Launch promo (4% base + 5/8/10% permanent referral tiers) ended June 30, 2026. Post-promo: 2% base ($100/mo cap), 4% with 2+ qualifying referrals in prior month ($200/mo cap, resets monthly). Two card issuers: Rain (1% FX, no spending limits) and DCS (1.8% FX, $50K daily/$990K annual limit). Card type assigned by country of residence. 0% fees on QR payments (GUM/APAC). Digital-only (physical card planned). Spends USDC. Cashback paid in USDC. JupUSD JUICED offers ~4.5% APY yield. Available in 53 countries.
Want the full list? Jump to the full comparison table of all 25 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 (1.5-4% BTC, Visa), Crypto.com US (1.5-6.5% CRO, Visa Signature), Venmo (1-3%), and Coinbase One (2-4% BTC on Amex, requires a Coinbase One membership and excludes NY/HI).
A closely related group are traditional cards whose cash back auto-converts to crypto: Robinhood Gold (3% flat + 5% travel with a Gold membership) and Robinhood Platinum. 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 without a credit check. Ether.fi Cash (3% on the first $2K/month, promotional; standard base is 2%), Aven Bitcoin Visa (2% USD, BTC custodied at BitGo), Exa Card (onchain Visa Signature with fixed-rate installments), XPlace and Jupiter Global (both Solana-based, USDC rewards), and Lava (secured by a Bitcoin line of credit) all follow this model.
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) and SBI Visa Crypto Card in Japan, DeCard in Singapore (stablecoin credit with Standard Chartered as banking partner), Bipa in Brazil, Lemon Card Crédito in Argentina (Bitcoin-collateralized), and Kredete across 50+ African countries (USDC-settled, built with Visa and Stellar).
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, Venmo, Fold Credit), 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 auto-converts to crypto (Robinhood Gold). 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 global reach (Ether.fi Cash, XPlace, Jupiter Global, Exa) plus regional bank-issued cards: Binance Japan and SBI Visa in Japan, DeCard in Singapore, Bipa in Brazil, Lemon Credito in Argentina, and Kredete across Africa.
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 25 active crypto credit cards, side by side. Sorted by base cashback rate.
| Card | Cashback | Annual Fee | Type | Region |
|---|---|---|---|---|
| Ether.fi Cash | 3% | $0 | Credit | US (30 states; 20 excluded)/EU/UK/HK/UAE + more |
| 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) |
| E Money Card | 2% crypto | $99 one-time | Credit | 150+ countries |
| Jupiter Global Card | 2-4% USDC | $0 | Credit | Global |
| Aven Bitcoin Visa Card | 2% USD | $0 | Credit | US |
| HashKey Credit Card | 2-4% HKD vouchers | TBD | Credit | Hong Kong |
| Binance Japan Card | 1.6% BNB | ¥0 first year (¥1,650 after) | Credit | Japan |
| Crypto.com US Credit Card | 1.5-6.5% CRO | $0 | Credit | US (49 states, excl. NY) |
| Fold Credit Card | 1.5-4% BTC | $0 | Credit | US |
| Gemini Credit Card | 1-4% | $0 | Credit | US Only |
| XPlace Card | 1-4% USDC + XP | $0-$999/yr | Credit | Global |
| Venmo Credit Card | 1-3% | $0 | Credit | US Only |
| Robinhood Platinum Card | 1-10% | $695/yr | Credit | US Only |
| Lava Card | 1-5% BTC | $0 | Credit | Global (US focus) |
| Bitbank EPOS CRYPTO Card | 0.5% BTC/ETH/ASTR | ¥0 | Credit | Japan |
| SBI Visa Crypto Card | 0.5-1.3% BTC/ETH/XRP | ¥0 first year | Credit | Japan |
| Bipa Card | 0.5-1% BTC | $0 | Credit | Brazil |
| HashPort Card | 0.3% JPYC | ¥0 (¥2,500 issuance) | Credit | Japan Only |
| Avalanche Card | 0% | $0 | Credit | US (select states)/LATAM/Caribbean |
| Exa Card | 0% | $0 | Credit | 160+ countries (NOT UK/Europe) |
| Avici Card | 0% | $0-75 | Credit | Americas/APAC (excl EU/UK) |
| DeCard | Up to 10% (Luminaries) | $0 (Luminaries: $388/yr) | Credit | Singapore |
| Kredete Card | 0% | $0 | Credit | Africa (50+ countries) |
| Lemon Card Crédito | 0% | ~$5.90/mo | Credit | Argentina |