The best crypto credit cards 2022

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Increasingly, the world is going digital, and that includes everyday spending. Crypto enthusiasts know that the cryptocurrency space is rapidly evolving, which is why our team regularly monitors trends and new product launches to keep our finger on the pulse of the industry. A new trend that is rapidly gaining popularity is the crypto rewards credit card.

As more and more crypto cards become available, consumer interest is growing in this new way to earn rewards on everyday spending. Crypto credit cards work like traditional credit cards, except they source funds and pay rewards using digital currency, such as bitcoin. With the support of popular card networks like Visa and MasterCard, you still enjoy flexible spending with better rewards through cryptocurrency.

To find the best crypto credit cards today, we regularly research and analyze several key factors. This includes not only the rewards structure but also the associated prices and fees, cryptocurrency options, payment methods and exchange options.


Increasingly, the world is going digital, and that includes everyday spending. Crypto enthusiasts know the cryptocurrency space is quickly evolving, which is why our team regularly monitors trends and new product launches to keep our thumb on the pulse of the industry. One new trend that is quickly gaining in popularity is the crypto rewards credit card.

As more and more crypto cards are becoming available, consumer interest is growing to earn rewards in this new way on everyday spending. Crypto credit cards function much like traditional credit cards, except that they source funds and pay rewards using digital currency, like Bitcoin. Backed by popular card networks like Visa and Mastercard, you still enjoy flexible spending with enhanced rewards through cryptocurrency. 

To find the best crypto credit cards today, we regularly research and analyze several critical factors. This includes not only the rewards structure but also associated pricing and fees, cryptocurrency options, payment methods and exchange options.

Crypto.com Visa card

card highlights

intro bonusN/A

APRN/A

recommended creditN/A

reward rates

  • 8% CRO rewards on card spending

annual fee$0

intro purchase APRN/A

rewards & redemption details

  • Rewards: CRO
  • Funding method: Crypto wallet
  • Account minimum: $0 – $400,000

As one of the first crypto cards, the Crypto.com Visa Card fits seamlessly into your life with tons of rewards that make sense for everyday life.

To get started, you will need to purchase Crypto.com’s CRO tokens and place them in your Crypto.com wallet. Prospective cardholders will need to invest the CRO token for 180 days before applying for the card. How much CRO you put in will determine the card’s rank.

  • Obsidian: $400,000 USD worth of CRO staked
  • Rose Gold/Icy White: $40,000 USD worth of CRO staked
  • Royal Indigo/Jade Green: $4,000 USD worth of CRO staked
  • Ruby Steel: $400 USD worth of CRO staked
  • Midnight Blue: $0 USD worth of CRO staked

Although sometimes referred to as a debit card, the Crypto.com Card is actually a prepaid card that uses Crypto.com’s own digital currency. There is no maximum monthly allotment for transactions involving currency exchanges, allowing you to make as many exchanges as needed.

Depending on your card tier, cardholders get 100% off their most popular subscriptions, including Amazon Prime, Netflix and Spotify. The two highest card tiers offer all three. Royal Indigo/Jade Green offers Spotify and Netflix, and Ruby Steel provides a Spotify sub.

Crypto.com is compatible with over 90 different cryptocurrencies, making it one of the most flexible crypto cards available today. The card itself is made of metal and some tiers give cardholders a choice in color. You can use your card anywhere Visa is accepted, and the exclusive Crypto.com app helps you manage your account on the go.

Pros

  • Compatible with most cryptocurrencies
  • No fees
  • Popular streaming service rebates

Cons

  • Required use of Crypto.com tokens
  • Limited consumer resources
  • Complicated platform for new users

The Gemini Credit Card®

Best rewards

  • Rewards: 60+ cryptocurrencies
  • Funding method: Crypto wallet
  • Account minimum:  $0

Gemini automatically earns crypto rewards that are compatible with over 60 different cryptocurrencies. While there is no exchange fee, it is important to note that exchange is not guaranteed. There is no annual fee, but no welcome bonus either. Transaction fees range from 0.5% to around 4% depending on your specific card. The Gemini Card is issued by WebBank and operates on the Mastercard network, giving customers access to all merchants that accept Mastercard. A simple app also helps you manage your account, such as freezing and unfreezing your card, and 24/7 live customer support will be available.

Gemini has a unique rewards structure that pays out in real-time and can be redeemed in a number of ways:

  • 3% back on dining (up to $6,000 spent, then 1%)
  • 2% back on groceries
  • 1% back on all purchases

All rewards for eligible purchases are paid in Bitcoin or any other cryptocurrency accepted by Gemini. Members also have access to MasterCard exclusives, such as exclusive savings on membership purchases at Lyft, DoorDash, HelloFresh and ShopRunner. MasterCard Signature MasterCard ID Theft Protection and Zero Liability and Price Protection benefits are also included.


Increasingly, the world is going digital, and that includes everyday spending. Crypto enthusiasts know the cryptocurrency space is quickly evolving, which is why our team regularly monitors trends and new product launches to keep our thumb on the pulse of the industry. One new trend that is quickly gaining in popularity is the crypto rewards credit card.

As more and more crypto cards are becoming available, consumer interest is growing to earn rewards in this new way on everyday spending. Crypto credit cards function much like traditional credit cards, except that they source funds and pay rewards using digital currency, like Bitcoin. Backed by popular card networks like Visa and Mastercard, you still enjoy flexible spending with enhanced rewards through cryptocurrency. 

To find the best crypto credit cards today, we regularly research and analyze several critical factors. This includes not only the rewards structure but also associated pricing and fees, cryptocurrency options, payment methods and exchange options.

Coinbase Visa Debit Card

Best security

intro bonusN/A

APRN/A

recommended creditNo Credit History

reward rates

  • Earn up to 4% back in rewards whenever you make a purchase

annual feeCoinbase Card has no annual fee

intro purchase APRN/A

rewards & redemption details

  • Rewards: 1% BTC, ETH, DOGE, and DAI or 4% XLM, GRT
  • Funding method: Crypto wallet
  • Account minimum: $0

Founded in 2012, Coinbase was already a leading crypto exchange when it launched its Coinbase Visa card. The Coinbase Visa works like any other Visa card, except that it is compatible with any assets in your Coinbase portfolio.

It draws from your Coinbase balance (not from Coinbase Pro, Wallet, Prime, or Commerce accounts), so you just pay with a PIN or withdraw from an ATM like you would with a regular card. The daily spending limit is $2,500 and the daily ATM withdrawal limit is $1,000.

Cardholders have the choice of getting 1% back in BTC, ETH, DOGE, and DAI or 4% back in XLM and GRT whenever a purchase is made.

Accepted anywhere Visa is accepted, Coinbase Visa enables global spending with no international limits. There are enhanced security features including two-step verification, plus you have the option to instantly freeze your card through an engaging mobile app that puts you in the driver’s seat of your account. Bookkeeping is also simplified with the option of account notifications, digital receipts, and transaction summaries.

However, this is a high-fee debit card. Although there is no issuance fee, you will pay several other fees, such as Coinbase wallet currency conversion fee of 2.5%. This fee is per transaction and applies to any asset other than USD, USDC, or any supported crypto on Coinbase. There is also a 1% penalty when you go over your maximum limit. While crypto rewards can reach up to 4% on eligible purchases, the 2.5% transaction fee can leave you with only 1.5% of the profits. Still, consumers are generally happy with credit cards and appreciate the added security and convenience features the card offers.

Pros

  • Enhanced card security
  • Accepted at same locations as Visa
  • Additional bookkeeping features

Cons

  • High transaction fees on unsupported assets
  • Must have a Coinbase account

How did we choose these crypto credit cards?

Today, the number of companies entering the cryptocurrency space is increasing. With cryptocurrency being a new concept altogether, it can easily invite a lot of confusion as to which company is the best.

To find the best crypto credit cards for rewards in 2022, we considered several factors:

  • Rewards: We analyzed not only the rewards for each card but also the terms and conditions governing each to ensure eligibility and availability. 
  • Availability: While many cards are available for immediate use, others are currently waitlisted. 
  • Withdrawal: We looked to see what methods are available for conversion and its ease of use. 
  • Security: We scrutinized the cards on our list to ensure they meet industry standards for security. 
  • Fees: From annual fees to foreign and transaction fees, our team reviewed the fee schedule for each card to analyze affordability. 

Which is the right crypto credit card for you?

When you’re shopping for a new crypto credit card, you’ll quickly find that each card can be significantly different from the next.

To help you find the right crypto credit card that meets your needs, there are a few factors to consider:

  • Rewards structure: Before committing to a card, it is important to ensure that your card holds a rewards structure that is both reasonable and attainable for your spending needs. Tier-based systems may be great if you’re a heavy spender, but a flat-rate structure may work better for those who have more infrequent spending.
  • Cryptocurrencies: Many cards limit transfers and conversions to just a small number of the cryptocurrencies available today. If you favor a particular currency, it is important to ensure that it is compatible with your crypto card before you open an account. 
  • Fiats: If you frequently travel abroad, there are important international considerations for your crypto rewards credit card. With fiats varying from card to card, it is important to check that your card supports the necessary currency conversions for your trip. 
  • Required stake: Some crypto cards like Crypto.com and Wirex require users to maintain a minimum stake in order to be eligible for certain rewards. 
  • Account linking: Some crypto cards source funds directly from a prepaid account of cryptocurrency, while others may tap into a digital wallet. Others yet may offer a line of credit, much like a traditional credit card. How you link your credit card is one massive factor that will immediately filter out several ineligible cards for you.

How do crypto credit cards work?

Crypto rewards credit cards use digital currency called cryptocurrencies to withdraw cash and make purchases both in person and at online retailers. Crypto cards can be like traditional credit cards in that funds can be obtained from a line of credit, or you can link to a digital wallet.

How do I get a crypto credit card for rewards?

You can apply for a crypto card from a cryptocurrency exchange, although some cards may be on a waiting list. An account and digital wallet are usually required to get started, and some fees may apply.

Where can I use my crypto rewards credit card?

Crypto cards feature partnerships with major credit card networks such as Visa or MasterCard. This means you can use your Crypto Rewards card anywhere Visa or MasterCard are accepted.

Are there alternative crypto credit cards worth considering?

These five best crypto cards are far from the only options available in today’s market. 

Other options for your crypto rewards credit card include these:

  • Crypterium: This is a prepaid crypto card.
  • Nexo: With a Nexo credit card, you can borrow up to $2 million in loans. 
  • SoFi: You can earn two points per dollar spent with the SoFi Credit Card.
  • Swipe: The Swipe Visa offers tons of features with up to 8% back.
  • TenX: A popular choice, the TenX Visa card features none of the typical fees.

No matter which card you choose, you should always read the terms and conditions carefully to make sure you get the best crypto credit card for the rewards that match your spending. Works for needs.