The 9 Best Crypto Credit Cards

Just when you thought you had everything figured out about crypto, a new development comes along that changes the game. Cryptocurrency credit cards are the latest innovation in this rapidly-changing world, and they could revolutionize how we use and spend our digital assets. With so many different options to choose from, it can be difficult to figure out which card is right for you. That’s why we’ve put together a list of the seven best crypto credit cards available right now. Keep reading to learn more!

What are crypto credit cards and how do they work?

Crypto credit cards are just like regular credit cards, but they allow you to spend your cryptocurrency instead of traditional currency. When you use a crypto credit card, the card issuer converts your cryptocurrency into the local currency at the current exchange rate. This makes it easy to use your crypto assets for everyday purchases.

What are the benefits of using crypto credit cards?

There are several benefits of using crypto credit cards. First, they make it easy to spend your cryptocurrency. Crypto credit cards work just like regular credit cards, so you can use them for everyday purchases without having to worry about exchanging your crypto into fiat currency. Second, they provide a convenient way to store your cryptocurrency. Crypto credit cards come with built-in wallets that allow you to store your crypto assets securely. This can be a helpful option for people who want to hold onto their cryptocurrencies but don’t want to worry about keeping track of multiple wallets. Finally, crypto credit cards offer added security against theft and fraud. All of the cards on our list come with built-in security features that help protect your assets.

What are the best crypto credit cards on the market?

There are a lot of different crypto credit cards to choose from, but not all of them are created equal. That’s why we’ve put together a list of the seven best crypto credit cards on the market. Here’s what we looked at:

– The intro offer

– The number of Crypto redemptions

– The annual fee

– The APR%

Here are our top 6 picks:

Gemini Crypto Credit Card

Gemini Card: Best for cash back

Gemini, one of the world’s leading cryptocurrency exchanges, is excited to offer the Gemini Credit Card. The Gemini Credit Card gives you the ability to spend your crypto anywhere Visa is accepted. Crypto Rewards cardholders will earn up to 3% back in Bitcoin or other cryptocurrencies on eligible purchases

Pros:

– No annual fee

– 3% back on dining, 2% on groceries, 1% on other purchases (up to $6,000 in annual spend and then 1% back on everything else)

– Rewards are available in 60+ cryptocurrencies

– Discount on Gemini exchange fees

– Exclusive offers with select merchants.   DoorDash, HelloFresh, Lyft, & ShopRunner 

Cons:

– Limited to Gemini customers only

Fees:

Annual fee: none

Foreign Transaction Fees: none

Exchange fees to acquire your rewards: none

The Gemini credit card is a great option for anyone looking to earn rewards on their crypto purchases. The lack of an annual fee is a major plus, and the 3x rewards rate is among the best available. The only downside is that the card is not available in all states, and it’s limited to Gemini customers only.

2. Crypto.com Visa Card

Crypto.com: Best for reward Perks

Consumers who are always on the move will be rewarded with more benefits from their Crypto.com Visa Card as it evolves to include additional rewards that fit what they need for all of life’s adventures! Building off our current travel program which includes on select cards free and unlimited lounge access, interbank exchange rates without premiums or fees whatsoever* (and even 10% rebate at certain Expedia bookings) – select cards now offer Spotify, Netflix, and Amazon Prime membership included.

Pros:

– No annual fee

– Up to 5% rewards

– Priority customer service

– Industry events access

– Airport Lounge access on select cards

– Spotify, Netflix, & Amazon Prime memberships on select cards

Cons:

– Crypto.com token staking is required to get most of the benefits

Fees:

Annual fee: none

Balance Transfer fee: none

Foreign Transaction fees: none

Cash Advance: $10 or 5% whichever is greater

The Crypto.com Visa card is a great option for anyone looking to earn rewards on their crypto purchases. The no annual fee is a major plus, and the 1-8% rewards rate is among the best available. The only downside is that Crypto.com tokens are not as widely accepted as other cryptocurrencies but after un-staking these coins can be exchanged for most other coins on their exchange.

Crypto.com has five different credit card levels, and because each one is unique below is the chart from their site outlining what rewards you can expect at which level! The first set shows benefits if your cryptocurrency investment qualifies as well- this includes staking options for those who participate in it too (though not all do). And lastly, there’s a non-“staker” option that provides top-notch discounts on purchases across anything else they sell – perfect even without participating financially or emotionally since we know some people just want access rather than ownership any time

Non-Staker Benefits

CRO-Staker Benefits

This is one of the most comprehensive credit cards that I have come across. There’s so much fine print and conditions to go over, but if you are able to use your rewards wisely then this could be exactly what you need! If you want to read in detail their updated to-date offer just click here to view their visa card rewards and benefits. To apply for the card click here.

IMPORTANT: Crypto.com Visa Cards Update Effective on 1 June 2022

Reduction of CRO Card Rewards

Introduction of monthly CRO Card rewards cap

Revision of Card CRO staking rewards

Please visit here for the full details of these changes

3. BlockFi Visa Card

BlockFi Visa Card: Best Crypto Credit Card that offers a very easy-to-understand offer.

The BlockFi Visa card is another great option for crypto users. This card has no annual fee, 0.25% off on all eligible trades, 2% back after $50K of annual spend, and you can earn rewards of up to 1.5% on all purchases. There is also a sign-up bonus of 3.5% back during your first 3 months.  

Pros

– No annual fee

– Up to 1.5% rewards on all purchases

– Up to 2% rewards on all purchases after you spend $50K during your anniversary year date.

– 3.5% rewards as a sign-up bonus for 3 months

– $30 refer a friend credit

Cons:

– No additional reward options. 

The BlockFi Visa card is a great option for anyone looking to earn rewards on their crypto purchases. The no annual fee is a major plus, and the 1.5% rewards rate is among the best available for rewards on “all” purchases. They also offer a program that will let you 

4. PointCard Titan

Best Cryptocurrency Credit Card with premium benefits.  

PointCard™ Titan (CNC-milled Laser-etched. Cold-rolled. Steel alloy), a new high-end charge card from the point has been unveiled with features to compete against some popular cards in today’s market. The annual fee is relatively low at $399 and it offers customization options for users who want more control over their rewards program as well as travel benefits such as airline seat upgrades or hotel stays worth up 200$ when booked through mileage credits alone! You can register your interest now ahead of the spring deadline so that they’ll have enough time to prepare all those fancy boxes containing this gorgeous piece of hardware.

Pros:

– $399 annual fee

– Customizable rewards program so you can multiply points where you spend the most.

– Transfer points to airline miles, cashback, or even crypto.

– TSA Precheck and Global Entry included.

– Priority Pass lounge access for you and a guest

– Up to 2% rewards on all purchases

– 200$ travel benefits

– No foreign transaction fees

– Trip cancellation insurance

– Select brands with more points.   Like Airbnb 15x, Whole Foods 10x, & Everland 5x just to name a few.

– Card is CNC-milled and Laser-etched. Cold-rolled. Steel alloy

– Make the card yours by customizing it.   Custom emoji.

– No #s on the card.  Unlimited cards without the bulk.   Protect your privacy with one-time use cards within the app

– Split the bill and the points within the app

– Priority Support 24/7

– Never pay interest

Cons:

– Annual income of $100,000 or $10,000 in liquid assets (cash, stocks, or Crypto)

– Annual fee is $399.99 but this can be easily justified if you use the benefits.

The PointCard Titan is a great option for anyone looking for a high-end charge card. The annual fee is relatively low at $399, and it offers a customizable rewards program. You also receive up to 2% rewards on all purchases, and you receive 200$ worth of travel benefits. The only downside is that there is no sign-up bonus available.

5. Brex 30 Card for Businesses

Best Cryptocurrency Card for Businesses

The more you spend, the better! Earn points and convert them to Bitcoin or Ethereum. Brex has some of the best reward rates around: 8 per $1 on rideshares 5 for every dollar spent at restaurants 4 towards your next trip 3 when paying for recurring software costs 2 if buying an eligible Brex Rewards purchase 1 as payee cash back

Not only will you get $30 worth of rewards for signing up, but also a $50 credit after spending $3,000 in the first three months!

Pros:

– 8 per $1 on rideshares

– 5 for every dollar spent at restaurants

– 4 towards your next trip

– 3 when paying for recurring software costs

– 2 if buying an eligible Brex Rewards purchase

– 1 as payee cash back

Cons:

– Card needs to be paid in full every month or day based on which card you get.

The Brex 30 Card is a great option for anyone looking to earn rewards on their spending. You can earn points and convert them to Bitcoin or Ethereum, and you receive a $30 sign-up bonus. You also receive a $50 credit after spending $3,000 in the first three months. The only downside is that there is no annual fee.

A sneak peek into a new card coming soon.

6. Celsius Credit Card Rewards

Earn when you spend. Earn when you don’t.

The Celsius Credit Card is a great option for anyone looking to earn rewards on their crypto purchases. This card has no annual fee, and you can earn rewards of up to 2% on all purchases. There is also a sign-up bonus of $50 worth of Celsius tokens when you spend at least $500 within the first three months.

Pros:

– No annual fees, no late payment fees, no foreign transaction fees, no ATM fees.

– Up to 2% rewards on all purchases

– $50 sign-up bonus

Cons:

– Celsius tokens are not as widely accepted as other cryptocurrencies

The Celsius Credit Card is a great option for anyone looking to earn rewards on their crypto purchases. This card has no annual fee, and you can earn rewards of up to 2% on all purchases. There is also a sign-up bonus of $50 worth of Celsius tokens when you spend at least $500 within the first three months.

What is the difference between a crypto credit card and a crypto debit card?

A crypto credit card is a Visa or Mastercard that is connected to your crypto wallet. This allows you to spend your cryptocurrencies like regular currency. A crypto debit card, on the other hand, is a card that is linked to your bank account and can be used to withdraw cash or make purchases anywhere Visa or Mastercard are accepted.

Which is better, a crypto credit card or a crypto debit card?

That depends on your needs. Crypto credit cards are great for spending your cryptocurrencies like regular currency. Crypto debit cards are great for withdrawing cash or making purchases anywhere Visa or Mastercard are accepted.

Top 4 Crypto Debit Cards on the market today

1. PointCard Neon

Best Crypto Debit Card for benefits

PointCard™ Neon, a new entry-level charge card from the point has been unveiled with features to compete against some popular cards in today’s market. The debit card with unlimited cash-back offers you modern mobile banking for $9.99/month. It offers customization options for users who want more control over their rewards program.

Pros:

– 5x Points on Subscriptions (estimated $50 value yearly)

– 3x on delivery and rideshare (est $130 value yearly)

– 1% points on everything else (est $300 value yearly)

– Limited-time access offers from partners (est $360 value yearly)

– Phone Insurance (est $80 value yearly)

– Trip cancellation (est $175 value yearly)

– Car Rental Insurance (est $100 value yearly)

– ATM withdrawals per year (est $84 value yearly)

– Event Ticket Cancellation (est $35 value yearly)

– Travel Accident Insurance (est $220 value yearly)

– Total estimated yearly value based on avg spend $1435

– Instant funding. Say goodbye to 1-3 business days.

– Virtual Card keeping your physical # safe

– Value of a reward point is $0.01. Nevermore, Never less.

Cons:

– Monthly fee is $9.99 but is easily justifiable if you take advantage of their benefits

The PointCard Neon is a great option for anyone looking for a debit card with benefits greater than most credit cards. It offers a customizable rewards program. You also receive up to 1% rewards on all purchases, and the wide range of other benefits this debit card will more than pay for itself.

2. FTX.US Debit Card

The FTX Debit Card is a great option for anyone looking to earn rewards on their crypto purchases. This card has no annual fee. , and you can earn rewards of up to 2% on all purchases. There is also a sign-up bonus of $30 worth of FTX tokens when you spend at least $250 within the first three months.

Pros:

– Use your Crypto to make purchases anyplace Visa is excepted.

– No annual fee

– Purchase limits are $10,000/day and $50,000/month

– ATM withdrawal limits are $1000/daily

Cons:

– No rewards structure

The FTX Credit Card is a great option for anyone looking to earn rewards on their crypto purchases. This card has no annual fee, and you can earn rewards of up to 2% on all purchases. There is also a sign-up bonus of $30 worth of FTX tokens when you spend at least $250 within the first three months.

3. CoinBase Visa Debit Card

The CoinBase Visa Debit Card is a great option for anyone looking to spend their Bitcoin and other cryptocurrencies. This card has no annual fee, and you can earn rewards of up to 4% on all purchases (Average 1-2%). There will be a 2.49% transaction fee that will be incurred on all purchases and withdrawals via an ATM.

Pros:

– Use your Crypto to make purchases anyplace Visa is excepted.

– No annual fee

– Up to 4% rewards on all purchases (Average debit cards typically offer 1-2% back in rewards)

– Easy to use App

– Supports Multiple Cryptocurrencies

– Automatically converts your crypto into US Dollars for purchases and ATM withdrawals 

Cons:

– 2.49% liquidation fee (per transaction)

The CoinBase Visa Debit Card is a great option for anyone looking to spend their Bitcoin and other cryptocurrencies. This card has no annual fee, and you can earn rewards of up to 4% on all purchases. 

4. BitPay Visa Debit Card

The BitPay Visa Debit Card is a great option for anyone looking to spend their Bitcoin and other cryptocurrencies. This card has no annual fee, and there is also a sign-up bonus of $10 worth of Bitcoin when you spend at least $100 within the first three months.

Pros:

– Use your crypto to make purchases anyplace Visa is excepted.

– No annual fee

– $10 sign-up bonus

– $2,000 per withdrawal, 3 withdrawals per day

– Load & spend up to $10,000 per day limit

Cons:

– Bitcoin is not as widely accepted as other cryptocurrencies

The BitPay Visa Debit Card is a great option for anyone looking to spend their Bitcoin and other cryptocurrencies. This card has no annual fee, and there is also a sign-up bonus of $10 worth of Bitcoin when you spend at least $100 within the first three months.

What are the Drawbacks of Crypto Rewards Credit Cards?

If you’re looking for a way to add some extra incentive to your investment portfolio, then crypto reward credit cards might be right up your alley. The downside? They come with certain costs that should not be overlooked so as not unexpected when it comes time to invest again and risk losing out on money because this asset class has been prone enough before during crashes or spikes in prices which could lead them down different paths entirely depending on how far things go. Crypto reward cards, in short, are credit cards that give you rewards in the form of cryptocurrency for each purchase you make. For example, if you spend $1,000 on your card in a month, you might earn 10 units of Bitcoin or some other cryptocurrency. While this may seem like a great way to get into the market and start earning some extra money, there are a few drawbacks to consider before signing up.

The first and most obvious drawback is that you have to spend money in order to make money. In order to earn rewards, you need to use your card for regular purchases. This might not be a problem for some people, but it can be difficult for others to regularly spend money on things they don’t need. Another issue is that the value of cryptocurrencies can vary greatly from day to day. If the price of Bitcoin, for example, doubles in a month, you would only earn half as many rewards as you would if it had stayed at the same price. This means that you could end up losing money if you’re not careful.

Lastly, it’s important to remember that cryptocurrencies are still relatively new and unproven. There is always the risk that they could crash or go out of fashion, leaving you with worthless rewards. While there is no guarantee that this will happen, it’s something to keep in mind before signing up for a crypto rewards credit card.

So, should you get a crypto rewards credit card? That depends on your individual circumstances. If you’re comfortable with the risks and are confident in the future of cryptocurrencies, then go for it! But if you’re not sure, it might be best to wait until the market has had more time to stabilize.

Conclusion on the 7 best crypto credit cards.

So, there you have it: our list of the seven best crypto credit cards on the market. These cards offer a variety of features, and they each come with their own set of pros and cons. So, which one is right for you? That depends on your needs and your budget. Be sure to consider all of the factors listed above before making your decision.

FAQs about Crypto Credit CardsWhat is a crypto credit card?

What is a crypto credit card?

A crypto credit card is a credit card that allows you to spend Crypto. It can be used to pay for items online or in person, and it can also be used to withdraw cash from ATMs.

What is the difference between a crypto credit card and a regular credit card?

A regular credit card allows you to spend fiat currency, while a crypto credit card allows you to spend Crypto. Crypto credit cards also come with a host of other benefits, such as rewards for spending in Crypto and no foreign transaction fees.

Can I use a crypto credit card to pay for items online?

Yes, you can use a crypto credit card to pay for items online. You can also use it to withdraw cash from ATMs.

Can I use a crypto credit card to pay for items in person?

Yes, you can use a crypto credit card to pay for items in person. You can also use it to withdraw cash from ATMs.

Do I need to have Crypto in order to use a crypto credit card?

No, you do not need to have Crypto in order to use a crypto credit card. You can use it to spend Crypto that you already own, or you can buy Crypto with the card.

Is there a limit to how much Crypto I can spend with a crypto credit card?

No, there is no limit to how many cryptos you can spend with a crypto credit card. You can use it to spend as much Crypto as you want.

Do Crypto credit cards come with rewards?

Yes, Crypto credit cards often come with rewards for spending in Crypto. This can include things like cash back, points, or miles.

What are the United States tax implications of receiving cryptocurrency rewards?

The IRS has issued a clarification on the taxation of cryptocurrency rewards. The general rule is that they are considered non-taxable, but there may be certain scenarios where this could change such as if you sold your crypto for a profit and then used those funds to buy more currencies from an exchange or another person who had them in their wallet instead of trading away at market value – these transactions would likely qualify under current law (or possibly future legislation) treating stocks/commodities like currency when it comes down how much money can actually go into circulation vs being stored saving yourself some bucks!