Best Crypto Credit Cards

ether.fi Cash is our top pick for a crypto credit card, with 3% cashback (first $2k a month, then 1%) and no annual fee. Plasma One Card and Tria Card follow, with 2% cashback and 1.5% cashback respectively.

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Some links earn us a commission, which never changes the order, and we don't issue any of these cards.

Top 5 picks

Cards that let you borrow against your crypto or pay later instead of selling at checkout.

  1. ether.fi Cash — Core

    1. ether.fi Cash

    ether.fi Cash suits crypto holders who want high cashback on everyday spending without handing their coins to an exchange, with 3% on the first $2,000 a month on the free Core level. Rewards are paid in the ETHFI token after a 7-day lock, and Core cashback drops to 0.5% above $3,000 a month.

    Cashback
    3%
    Annual fee
    Free
    FX fee
    1.5%
    Countries
    91
    • 3% cashback on the first $2,000 a month with no annual fee
    • Self-custody wallet, the issuer can't move your funds
    • Cashback is paid in ETHFI after a 7-day lock, $5 minimum claim
    • Core cashback drops to 0.5% above $3,000 a month
    Get ether.fi Cash Read the review
  2. Plasma One Card — Lite

    2. Plasma One Card

    Plasma One Card suits stablecoin holders who want to spend USDT from their own wallet and are happy to earn cashback in XPL. The free Lite plan stops paying 2% after $500 a month, and the better rates need a $199 yearly fee or an XPL lock of 12 months.

    Cashback
    2%
    Annual fee
    Free
    FX fee
    2%
    Countries
    211
    • 2% cashback on the first $500 a month on the free Lite plan
    • No conversion fee on payments, and 0% FX on Platinum
    • Cashback is paid in XPL, so its value moves with the token
    • Lite charges 2% FX and has no ATM access
    Get Plasma One Card Read the review
  3. Tria Card — Lite

    3. Tria Card

    Tria Card suits heavy spenders who want self-custody and can use the Max plan, where 6% on the first $2,000 a month is worth up to $120 a month against a $250 yearly fee. Every plan costs money, and the card terms let the issuer charge up to 3% on foreign exchange.

    Cashback
    1.5%
    Annual fee
    $25
    FX fee
    1%
    Countries
    217
    • Max pays 6% on the first $2,000 a month, up to $120
    • Funds stay in your own wallet until you pay
    • No free plan, Max costs $250 a year
    • Max cashback drops to 1% above $2,000 a month
    Get Tria Card Read the review
  4. Gemini Credit Card — Gemini Credit Card

    4. Gemini Credit Card

    Gemini Credit Card suits US residents who want a no-fee credit card that turns everyday spending into crypto, especially on dining, groceries and gas. The 4% rate stops after $300 a month of gas and transit spending, and there's no sign-up bonus today.

    Cashback
    1%
    Annual fee
    Free
    FX fee
    0%
    Countries
    1
    • No annual fee and no foreign transaction fee
    • 3% back on dining and 2% on groceries, paid in crypto
    • 4% on gas, EV charging and transit stops after $300 a month
    • No sign-up bonus since the $200 offer was paused in 2026
    Get Gemini Credit Card Read the review
  5. XPlace Card — Basic

    5. XPlace Card

    XPlace Card suits crypto holders who want to spend against BTC, ETH or SOL without selling it and without handing their coins to an exchange. Cashback is paid only in Credit Mode and is capped every month, so the free plan returns at most $10 a month.

    Cashback
    0.5%
    Annual fee
    Free
    FX fee
    1%
    Countries
    225
    • Self-custody, with collateral held in Kamino smart contracts
    • Borrow USDC against crypto at up to 80% of USDT's value
    • Cash Mode spending earns no cashback at all
    • Monthly cashback caps from $10 on Basic to $250 on Platinum
    Get XPlace Card Read the review

Compare all 13 cards

Pick your country to see each card with the terms that apply to you, or sort by any column.

#CardCashbackAnnual feeFX feeCountriesLink
1ether.fi Cash3%First $2k a month, then 1%Free1.5%91Get card
2Plasma One Card2%First $500 a month, then 0.1%Free2%211Get card
3Tria Card1.5%First $1k a month, then 0.5%$251%217Get card
4Gemini Credit Card1%AlwaysFree0%1Get card
5XPlace Card0.5%First $2k a month, then 0%. Credit mode onlyFree1%225Get card
6Avici Card0%Free1%50Get card
7Decaf Card0%Free1%223Get card
10Exa Card0%Free1.5%46Get card
11Rizon Card0%Free1.7%49Get card
12Karta Visa Signature Card0%Free1%229Get card
13Nexo Card0%Free2%34Get card
15Avalanche Card—Free1%40Get card
17Tuyo Card—Free2%213Get card

How we rank crypto Credit Cards

Only cards that spend from a credit line qualify, ranked by the cashback on the plan anyone can get. "Cashback" is the rate on the plan anyone can get, with no subscription, staking or spending minimum, and "max cashback" is the best rate on any plan.

Each card's review explains its plans, fees and availability. There is no overall score, and referral links never change the order. How we compare cards.

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