Biggest estimated net gain here at this spending level.
- Reward rate
- 4%, up to 10% on higher tiers
Best crypto rewards and cashback cards
Crypto cards that pay something back on everyday purchases without asking you to stake a token, ranked by what they cost once fees and rewards are both counted. Ranked by what they would cost you per year once their fees are counted.
Read our guide: how to chooseBy Andrew L.Data updated 28 Oct 2026
Ranked cards
Showing costs in EUR for a typical profile: EUR 500 a month, 30% in a foreign currency, rewards that need staking or a paid plan left out. Choose your country to see only the cards open to you, priced in your currency.
Complete estimates come first, then cards that leave out a fee the issuer does not list. Cards without a cost estimate come last, ordered by how many of their fees are verified.
Rewards come to more than the fees at this spending level.
- Reward rate
- 1%, up to 2% on higher tiers
Rewards that need staking, a paid plan, a minimum balance or a single asset or merchant group are left out of this estimate.
- Reward rate
- Up to 10%, only with a condition
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 5%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 3%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 3%, up to 5% with staking
- Paid in
- USDC
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 2%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 2%, up to 4% on higher tiers
- Paid in
- BTC
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 2%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 1%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 1%, up to 8% on higher tiers
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 1%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 2%
- Paid in
- GOLD
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 1.5%, up to 3% on higher tiers
- Paid in
- BTC
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 1.5%, up to 3% on higher tiers
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 1.5%, up to 6% on higher tiers
- Paid in
- CRO
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 2%, up to 5% on higher tiers
- Paid in
- USDT
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 0.5%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 0.5%, up to 8% on higher tiers
- Paid in
- USD
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 0.25%, up to 1% on higher tiers
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 0.5%, up to 2% with a condition
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 1%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 1%, up to 1.5% on higher tiers
- Paid in
- BTC
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 0.5%, up to 8% with staking
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- Up to 2%, only with a condition
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 0.25%, up to 2% on higher tiers
- Paid in
- BTC
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 1%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 1%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 0.25%, up to 3% with a condition
- Paid in
- BTC
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- Up to 2%, only with a condition
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 0%, up to 2% on higher tiers
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 1%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 1%, up to 2% on higher tiers
- Paid in
- USDC
Net cost per yearat leastEUR 295Excludes annual fee, monthly fee and conversion feeLeaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 1%
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
- Reward rate
- 0.25%, up to 0.5% on higher tiers
No estimate yet. Not found on the issuer's pages: issuance fee, annual fee, monthly fee, FX fee and conversion fee.
- Reward rate
- Up to 2%, only with a condition
No estimate yet. Not found on the issuer's pages: annual fee, monthly fee, FX fee and conversion fee.
- Reward rate
- 1%
Not checked yet
These cards are not ranked and have no cost estimate. We have not verified the facts that define this list, or where the card is available. Not checked does not mean no.
- Details
ARQ Card
Not checked yetWe have not verified any country where it is open yet.
- Details
Binance Card
Not checked yetWe have not verified any country where it is open yet.
- Details
Bipa Card
Not checked yetWe have not verified any country where it is open yet.
- Details
BitMart Card
Not checked yetWe have not verified any country where it is open yet.
- Details
Bitunix Card
Not checked yetWe have not verified any country where it is open yet.
How crypto card rewards really work
- Paid in a token. Many issuers pay cashback in their own token. Its price can fall between the day you earn it and the day you sell it, so a reward is only worth what the token is worth when you cash it in. A reward in bitcoin carries the same price risk. A reward in a stablecoin or in your card currency mostly does not.
- Staking tiers. The higher rates often come with a staking requirement: you lock an amount of the issuer’s token for a set time. Locked tokens can lose value, and you usually cannot sell them while they are locked. This list ignores those rates when it decides whether a card belongs here, and the cost estimate leaves them out.
- Plans and balances. Some cards tie their rates to a paid monthly plan or to a minimum balance kept with the company. Those cards stay on the list and the tile shows the condition, but the estimate does not count that reward, because you only get it once you pay or deposit.
- Caps. A rate often applies only up to a set amount of spending or reward per month. Above the cap you earn nothing more, so a high rate with a small cap can be worth less than a lower rate without one.
- Exclusions. Issuers often leave out some payments, such as transfers, top-ups of other wallets, gambling or bills. If most of your spending falls into one of these, read the terms first.
- Rewards change. Issuers lower rates, add caps and move tiers around, sometimes with little warning. A rate on a card page is what the issuer published when we last checked, and the check date is shown next to it.
Why net cost matters more than the rate
A card that pays a generous rate but charges a monthly fee, a top-up fee and a markup on foreign payments can leave you worse off than a plain card with no rewards at all. That is why this list is not sorted by reward rate. Each card gets one estimated net cost over a year: the fees you would pay minus the rewards anyone can earn without staking, a plan or a balance, for the Finder’s default spending profile. The methodology explains each step, and our guide to crypto card fees covers the fees that eat into a reward.
If you only want to see who pays the most, the Card Finder can sort by reward rate. Keep the net cost in view when you decide.
The fine print, card by card
Each card page lists every reward tier with its source, so you can see whether a rate needs a plan, a locked token or a minimum balance, or stops at a monthly cap.
Words like “up to”, “from” and “with staking” usually mark a rate that is not the default. Our guide to what verified means explains how we read those conditions. If you want to earn in a particular coin, the Bitcoin card list includes cards that pay rewards in BTC.
Rewards and tax
In many countries a reward paid in crypto has tax consequences. It can count as income when you receive it, and selling or spending the token later can count as a disposal of its own. Other countries treat cashback on your own spending more like a discount. Either way, keep a record of each reward: the date, the token, the amount and its value on that day. Our guide to tax on crypto card spending explains what to look for. It is general information, not tax advice.
How many reward cards are open in your country
Many cards are open only in some countries, so the list changes with where you live. Across all countries it ranks 43 cards. A few examples:
- United States: 12 cards
- Germany: 22 cards
- United Kingdom: 13 cards
- Brazil: 16 cards
Choose your country in the Card Finder and switch on rewards without token staking to see the cards you can get, with a cost estimate for your own spending. Our guide to debit, credit and prepaid cards explains how rewards differ between card types.
Other best lists
- All crypto cards
- Debit cards
- Credit cards
- Prepaid cards
- Visa cards
- Mastercard cards
- Bitcoin cards
- USDT cards
- USDC cards
- Stablecoin cards
- Self-custody
- No FX fee
- No annual fee
- Travel
- Virtual only
- ATM withdrawals
How we rank cards and estimate costsAffiliate links never change a card's rank. Not financial advice.