All 28 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, Ethena Pay Spend Card leads at roughly $960 a year net, with Robinhood Gold Card next at about $670. 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 (1-4% USDC) 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 28 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.
Best forSpending straight from a wallet you control
Watchcashback capped at about $100/mo; rewards stop above $2500/mo of spend; full identity verification required
Best forEarning rewards without pre-funding the card
Watchfull identity verification required
Best forEarning rewards without pre-funding the card
Watchrewards stop above $2000/mo of spend
Best forEarning rewards without pre-funding the card
Watchfull identity verification required
Best forEarning rewards without pre-funding the card
Watchcashback capped at about $38/mo; full identity verification required
Want the full list? Jump to the full comparison table of all 28 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% CRO, Visa Signature), Venmo (1-3%), 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) 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 $2,000 a month, then a step-down), Aven Bitcoin Visa (2% USD, BTC custodied at BitGo), Exa Card (onchain Visa Signature with fixed-rate installments), XPlace (Solana-based, USDC rewards) and Lava (secured by a Bitcoin line of credit) all follow this model. 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.
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, 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 28 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 |
|---|---|---|---|---|
| Ethena Pay Spend Card | 4-5% AVAX | $0 | Credit | 49 countries (not US/EU/UK at launch) |
| Robinhood Gold Card | 3% all + 5% travel | $50/yr or $5/mo (Gold membership) | Credit | US Only |
| Ether.fi Cash | 3-4% | $0 | Credit | US (30 states; 20 excluded)/EU/UK/HK/UAE + more |
| Aven Bitcoin Visa Card | 2% USD | $0 | Credit | US |
| HashKey Credit Card | 2-4% HKD vouchers | TBD | Credit | Hong Kong |
| Coinbase One (Amex) | 2-4% BTC | $49.99-$2,999.99/yr | Credit | US (NOT NY/HI) |
| Binance Japan Card | 1.6% BNB | ¥0 first year (¥1,650 after) | Credit | Japan |
| Crypto.com US Credit Card | 1.5-6% 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 |
| Lava Card | 1-5% BTC | $0 | Credit | Global (US focus) |
| Venmo Credit Card | 1-3% | $0 | Credit | US Only |
| XPlace Card | 1-4% USDC + XP | $0-$999/yr (Silver $99) | Credit | Global excl. 17 countries + 16 US states |
| Bipa Card | 0.5-1% BTC | $0 | Credit | Brazil |
| 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 |
| HashPort Card | 0.3% JPYC | ¥0 (¥2,500 issuance) | Credit | Japan Only |
| Avalanche Card | 0% | $0 | Credit | US (select states)/LATAM/Caribbean |
| Avici Card | 0% | $0-75 | Credit | Americas/APAC/Africa (30 US states) |
| DeCard | 2-10% (10% only above US$5,000/mo) | $0 (Luminaries: $388/yr) | Credit | Singapore |
| KOSH Global Card | Promos only (5% hotels) | $0 | Credit | Select jurisdictions (Asia-focused) |
| Kredete Card | 0% | $0 | Credit | Africa (50+ countries) |
| Stablecard by Western Union | None | Not published | Credit | 37 markets (reported: Argentina, Colombia, Mexico, Philippines) |
| Lemon Card Crédito | 0% | ~$5.90/mo | Credit | Argentina |
| Exa Card | 0% | $0 | Credit | 160+ countries |
| E Money Card | 0% | $99 one-time | Credit | 187 countries (NOT US/Canada) |
| Robinhood Platinum Card | 1-10% | $695/yr | Credit | US Only |