The Top Crypto Credit Cards Compared In 2025

Crypto credit cards are changing the way people use and earn cryptocurrency, blending the familiar benefits of traditional credit cards with digital assets. Imagine making everyday purchases — groceries, gas, even your morning coffee — using Bitcoin or Ethereum.

But with so many choices, picking the right card can be a challenge. Some cards shine with high cashback rates, while others prioritize low fees or unique perks like airport lounge access. In this guide, we’ll break down the best crypto credit cards, compare their features, and explore which card might be the best fit for your financial goals.

So, whether you’re a crypto enthusiast looking to maximize rewards or a newcomer curious about integrating crypto into daily life, keep reading to find out which card deserves a spot in your wallet.

What Are Crypto Credit Cards?

Crypto credit cards are a unique blend of traditional credit cards and digital currency rewards. Unlike crypto debit cards, which draw directly from users’ digital wallets, crypto credit cards work like regular credit cards, offering a line of credit.

Differences from Traditional Credit and Debit Cards

Crypto credit cards offer the convenience of a credit line, allowing users to make purchases and earn crypto rewards on any transaction within the card’s network. By comparison, crypto debit cards convert holdings directly into fiat at the time of purchase, requiring users to already hold crypto and spend from their balance.

Key Advantages of Crypto Credit Cards

The unique advantage of crypto credit cards lies in their crypto rewards, which can range from 1% to as high as 8% on eligible purchases, depending on the card. These cards are ideal for those interested in growing their crypto assets without making direct purchases. They also provide spending flexibility and the potential for rewards growth—if the crypto earned appreciates, the value of rewards could increase.

However, crypto’s volatility can also lead to value drops, making this a better fit for users who are comfortable with market fluctuations.

Our Methodology

To create a comprehensive comparison, we’ve evaluated each card based on a set of key criteria tailored to the needs of crypto users.

• Rewards Structure: We assess how each card’s rewards are structured, focusing on crypto cashback rates, bonus categories, and the variety of crypto options for rewards. Higher cashback rates and flexible redemption options rate more favourably.
• Fees and Costs: We examine the fees associated with each card, such as annual fees, foreign transaction fees, and crypto conversion fees. Cards with lower fees or no annual fees are generally rated higher, as they add value to users looking to maximize crypto rewards.
• Supported Cryptocurrencies: Since users often want to earn and spend specific cryptocurrencies, we consider the range of crypto assets available for rewards and spending on each card. Cards with a wide selection of supported cryptocurrencies rank higher.
• Security and Privacy: Security is a top concern for crypto users, so we look for features like two-factor authentication, biometric verification, and encryption. Cards that offer robust security options and wallet integration receive higher marks.
• Ease of Use and Compatibility: Finally, we evaluate each card’s user experience and compatibility with popular crypto wallets and exchanges. Cards that provide an intuitive user experience, easy spending options, and integration with widely used wallets earn higher ratings.

This approach helps us to present an unbiased, detailed overview of the leading crypto credit cards.

Best Crypto Credit Cards

This table gives a comprehensive roundup of each card, and worry not, for those seeking more information, we have detailed analysis for each lined up as well.

Crypto.com Visa Card

The Crypto.com card is issued by Crypto.com and comes in multiple tiers, each offering various perks. It’s a Visa card, allowing users to make purchases and earn rewards at millions of locations worldwide. The card's rewards and benefits depend on the amount of CRO (Crypto.com’s native token) staked by the user, with higher tiers unlocking greater rewards and benefits.

Rewards Structure

Users can earn up to 8% cashback in CRO on eligible purchases, depending on the tier of the card and the amount of CRO staked. Cashback rates range from 0% for the entry-level “Midnight Blue” card to 8% for the top-tier “Obsidian” card. Staking more CRO unlocks additional benefits and higher cashback percentages, rewarding users who commit more to the Crypto.com ecosystem.

Fees and Costs

• Annual Fee: None
• Foreign Transaction Fee: Up to 2%
• Top-Up Fee: 1% (when topping up with a credit card)
• ATM Withdrawal Fee: 2% (after the free withdrawal limit is exceeded)

The card is relatively fee-free but does have foreign transaction fees, especially for those using it outside of supported regions.

Perks and Benefits

• Free Spotify, Netflix, and Amazon Prime: Rebates on subscriptions for select tiers.
• Airport Lounge Access: Complimentary lounge access for higher-tier cardholders.
• No Annual Fees: None of the card tiers require an annual fee, making it a cost-effective option.
• Stake-Based Rewards: The tiered rewards system incentivizes staking CRO to unlock additional benefits, including bonus rewards and increased cashback rates.

Security and Privacy

The Crypto.com Visa Card offers strong security features, including two-factor authentication (2FA), card freezing/unfreezing through the Crypto.com app, and real-time alerts for added protection. The card is compatible with the Crypto.com wallet, allowing seamless management of crypto funds and card spending in one place.

Pros and Cons

Pros:

• High cashback (up to 8%) for top-tier users
• Wide range of perks like free streaming services and airport lounge access
• Zero annual fee for all card tiers
• Strong integration with Crypto.com’s ecosystem

Cons:

• Requires CRO staking to unlock higher cashback rates and perks
• Foreign transaction fees apply for some users
• Limited rewards for entry-level tier without CRO staking

Upgrade Bitcoin Rewards Visa Credit Card

The Upgrade Bitcoin Rewards Visa Credit Card, issued by Upgrade and supported by Visa, allows users to earn Bitcoin rewards on their purchases while promoting responsible credit usage. This card is designed for individuals looking to earn cryptocurrency rewards without the complexities of traditional credit cards.

Rewards Structure

The Upgrade Bitcoin Rewards Visa® Credit Card features a straightforward rewards system:

• 1.5% back in Bitcoin on every purchase, earned as users make their monthly payments.
• Rewards are accumulated in a wallet provided by NYDIG, a custody and trading platform for Bitcoin.

Fees and Costs

• Annual Fee: None
• Foreign Transaction Fee: 3%
• Interest Rates: Variable APR ranging from 14.99% to 29.99%, based on creditworthiness.

The card is free from annual fees, making it an attractive option for users who want to earn Bitcoin rewards without incurring additional costs.

Perks and Benefits

• Bitcoin Rewards: Users earn 1.5% in Bitcoin rewards as they pay off their balances, providing a unique way to accumulate cryptocurrency.
• Fixed Monthly Payments: The card converts unpaid balances into fixed-rate installment plans, promoting responsible credit use and budgeting.
• No Prepayment Penalty: Users can pay down their balance at any time without incurring penalties.

Security and Privacy

The Upgrade Bitcoin Rewards Visa® Credit Card emphasizes security with features such as two-factor authentication (2FA) and the ability to freeze the card through the Upgrade app. Additionally, it provides real-time transaction alerts to help users monitor their spending.

Pros and Cons

Pros:

• Earn 1.5% back in Bitcoin on all purchases.
• No annual fee and no prepayment penalties.
• Fixed monthly payments promote responsible credit use.
• No foreign transaction fees for domestic purchases.

Cons:

• Foreign transaction fee of 3% may apply for international purchases.
• Bitcoin rewards are only earned upon making payments, not at the time of purchase.
• Limited to Bitcoin rewards; no options for other cryptocurrencies.

Gemini Credit Card

The Gemini Credit Card, issued by Gemini and supported by Mastercard, allows users to earn crypto rewards instantly on everyday purchases. This card stands out for offering rewards in a variety of cryptocurrencies with no exchange fees, making it a convenient option for users looking to earn crypto directly. Check out our detailed review of the Gemini Exchange.

Rewards Structure

The Gemini Credit Card offers a tiered rewards structure:

• 4% back on gas and EV charging
• 3% back on dining
• 2% back on groceries
• 1% back on all other purchases

Rewards are deposited immediately into the user’s Gemini account and can be earned in Bitcoin, Ethereum, or 50+ other cryptocurrencies, allowing flexibility in reward selection.

Fees and Costs

• Annual Fee: None
• Foreign Transaction Fee: None
• Exchange Fees for Rewards: None when earning and redeeming rewards in crypto

The card has no annual or foreign transaction fees, which makes it particularly attractive for international users. Additionally, there are no exchange fees when converting rewards into crypto.

Perks and Benefits

• Instant Crypto Rewards: Rewards are deposited instantly after each transaction, allowing users to take advantage of any potential crypto market gains sooner.
• Flexible Reward Options: Choose from over 50 cryptocurrencies, including major assets like Bitcoin and Ethereum, which can be changed anytime in the Gemini app.
• No Exchange Fees: Earn crypto without incurring exchange fees, which keeps rewards intact and easily accessible.

Security and Privacy

The Gemini Credit Card offers robust security with two-factor authentication (2FA), real-time alerts, and the backing of Mastercard’s security protocols. Gemini provides account management tools, including the ability to monitor transactions and adjust security settings through the Gemini app.

Pros and Cons

Pros:

• Instant crypto rewards deposited directly into the Gemini account
• No annual, foreign transaction, or exchange fees on rewards
• Flexible reward options in over 50 cryptocurrencies
• High rewards rates for select categories (up to 4% on gas)

Cons:

• Rewards percentages vary by category, with 1% on general purchases
• Requires a Gemini account, limiting flexibility for non-Gemini users
• Crypto price volatility can affect the actual value of rewards earned

Nexo Card

The Nexo Card, issued by Nexo and supported by Mastercard, is a versatile crypto-backed card that offers two modes of use: Credit Mode (a collateral-based credit line) and Debit Mode (allows spending while earning interest on crypto holdings). The Nexo Card is unique in allowing users to earn rewards in multiple cryptocurrencies while retaining their crypto assets in the Nexo wallet. Check out our Nexo review as well.

Rewards Structure

The Nexo Card provides up to 2% cashback in NEXO tokens or 0.5% cashback in Bitcoin. Users can choose their preferred reward currency through the Nexo app, with higher rewards available for users in the Platinum, based on the amount of NEXO tokens held.

Fees and Costs

• Annual Fee: None
• Foreign Transaction Fee: None
• Other Fees: No monthly maintenance or credit check fees; borrowing rates start at 2.9%

Credit Mode

The Nexo Card does not charge annual or foreign transaction fees, and users benefit from flexible fees and borrowing rates, especially in Credit Mode.

Perks and Benefits

• Flexible Spending Modes: Users can choose between Credit Mode and Debit Mode, offering options to borrow against crypto holdings or spend from funds while earning interest.
• Daily Interest Earnings: Users can earn daily interest on their funds, a unique feature that adds value to users who maintain balances in their Nexo accounts.
• Virtual and Physical Cards: Both virtual and physical card options are available, allowing users to choose the method that best suits their needs.

Security and Privacy

The Nexo Card provides strong security features, including two-factor authentication (2FA), real-time monitoring, and Mastercard’s security protocols. Cardholders also have access to 24/7 customer support for assistance with any issues.

Pros and Cons

Pros:

• Flexible spending modes (Credit and Debit)
• No annual or foreign transaction fees
• Choice of rewards in BTC or NEXO tokens, up to 2% cashback
• Earn daily interest on crypto holdings

Cons:

• Maximum cashback of 2%, lower than some other cards
• Rewards depend on NEXO holdings, limiting options for those who don’t own NEXO tokens
• Requires a Nexo account for access and management

Comparing Crypto Credit Cards by Specific Use Cases

Each crypto credit card shines in different areas, catering to unique needs and preferences. Here’s a breakdown of the best cards based on specific use cases to help users find the card that best suits their goals.

Best for High Rewards

For those seeking maximum rewards, the Crypto.com Visa Card and Gemini Credit Card stand out. The Crypto.com Visa Card offers up to 8% cashback on purchases, though higher tiers require staking CRO. The Gemini Credit Card provides category-based rewards of up to 4% on gas and EV charging, making it a strong choice for users seeking high-value rewards across specific spending categories.

Best for Low Fees

The Nexo Card is excellent for users who want to minimize fees. It has no annual or foreign transaction fees and offers flexible spending modes, making it a cost-effective choice with versatile benefits.

Best for Frequent Travelers

For frequent travelers, the Gemini Credit Card and Crypto.com Visa Card offer valuable perks. The Gemini Credit Card has no foreign transaction fees and rewards spending in categories like dining and gas, which can be useful for travelers. The Crypto.com Visa Card offers higher-tier users airport lounge access, making it ideal for those looking to add comfort to their travel experience.

Best for Crypto Newbies

The Upgrade Bitcoin Rewards Visa Credit Card is suitable for beginners. The Upgrade card provides a simple rewards system of 1.5% back in Bitcoin on all purchases, with rewards earned as payments are made—perfect for users just starting with crypto rewards. 

Key Features to Look for in Crypto Credit Cards

When choosing a crypto credit card, it’s important to evaluate features that add real value, from rewards rates to security measures.

Rewards and Cashback Options

Crypto credit cards typically offer rewards or cashback in cryptocurrency, with rates ranging from 1% to 8%. Some cards have tiered rewards based on spending categories or staking levels.

Accepted Cryptocurrencies

Supported cryptocurrencies vary, with some cards offering rewards only in Bitcoin, while others support multiple assets like Ethereum or stablecoins, providing flexibility for different preferences.

Fees

Many crypto credit cards have no annual fees, but foreign transaction fees, ATM withdrawal fees, and conversion fees can still apply, impacting card value.

Additional Perks

Some cards provide extra perks similar to premium credit cards, like travel benefits, streaming service rebates, or exclusive discounts, which add value for frequent travelers or specific service users.

Security Features

Strong security features are common, including two-factor authentication and the ability to freeze or unfreeze cards. Visa or Mastercard backing offers additional fraud protection.

Ease of Use with Wallets and Exchanges

Direct integration with wallets or exchanges, like Crypto.com, makes it easy to manage funds and rewards within a single app.

Pros and Cons of Using a Crypto Credit Card

Pros:

• Earn Crypto Rewards: Earn cryptocurrency on everyday purchases.
• Increased Flexibility: Make purchases on credit, similar to traditional cards.
• Exclusive Perks: Access benefits like lounge access and streaming rebates.
• Potential Growth: Rewards may appreciate if crypto value rises.
• Diverse Reward Options: Choose from multiple cryptocurrencies on some cards.

Cons:

• Variable Fees: Foreign transaction and ATM fees may apply.
• Market Volatility: Crypto rewards can lose value with market dips.
• Complex Reward Systems: Some cards require staking or specific spend thresholds.
• Security Risks: Extra caution is needed for account and card security.
• Crypto Payments: Not all merchants accept crypto-based payments.

How to Choose the Right Crypto Credit Card

Choosing the best crypto credit card depends on understanding your spending habits, the value of rewards, and security features that suit your needs. Here are a few key considerations:

Assess Your Spending Habits

Identify your spending patterns to find a card that maximizes rewards. Frequent travelers may benefit from cards with travel perks, while high spenders may prefer cards with unlimited cashback or high crypto rewards.

Evaluate Rewards Potential vs. Fees

Compare the rewards rates against fees like annual charges, foreign transaction fees, and any hidden costs. Make sure the value of rewards outweighs these fees to truly benefit from your card choice.

Consider Security and Exchange Compatibility

Choose a card with robust security features like two-factor authentication and card freezing. Additionally, look for a card that integrates with popular exchanges or wallets you’re already using, as this makes fund management and spending seamless.

Best Crypto Credit Cards: Closing Thoughts

Choosing the right crypto credit card can unlock a world of rewards, perks, and a seamless way to integrate digital assets into everyday life.

Ultimately, the best card for you depends on what you value most—whether it’s maximizing cashback, minimizing fees, accessing exclusive perks, or ensuring top-notch security for your assets. Take the time to think about how you plan to use the card, your risk tolerance, and your long-term financial goals in the crypto space.

Before committing, visit each provider’s website to review the latest terms, fees, and offerings. As crypto card perks and policies are constantly evolving, a bit of research will help ensure you’re getting the most out of your digital finances.