Best crypto cards 2025: Which one gives the most back?

Coinbase paper Top

Coinbase offers a Visa‑based crypto debit (prepaid) paper that links straight to your Coinbase account. As of 2025, Coinbase besides plans to motorboat a recognition paper (called the Coinbase One Card) for Coinbase One subscribers. The prepaid paper auto‑converts your crypto holdings to fiat astatine purchase, allowing you to walk crypto astatine astir merchants accepting Visa.

• No yearly oregon monthly interest for the debit card
• Seamless integration with Coinbase speech / wallet
• Crypto backmost rewards (variable / rotating rate) connected purchases
• Beginner affable — nary request to pre‑convert crypto
• App controls: freeze/unfreeze, way transactions, etc.

• Conversion / dispersed costs erstwhile crypto → fiat tin erode rewards
• Rewards are adaptable and not fixed; promotional / rotating
• No borrowing oregon recognition enactment enactment successful the debit version
• Users study enactment / paper deactivation issues, particularly overseas
• New recognition enactment (Coinbase One Card) has further constraints (membership, U.S. only)

Fees and supported assets

• No paper fees (annual/monthly) for the debit version
• Spread / conversion interest applies erstwhile converting crypto to fiat astatine purchase
• Supports a wide acceptable of cryptos held successful Coinbase wallet (BTC, ETH, USDC, etc.)
• For the upcoming recognition card: up to 4% backmost successful Bitcoin, nary overseas transaction fees (as announced)

Security & compliance

Coinbase is simply a licensed and regulated exchange. The paper benefits from built‑in security: two‑factor authentication, quality to freeze/unfreeze card, instrumentality protections. Because it’s tied to a regulated entity, there’s much oversight and compliance safeguards.

Availability

• Debit (prepaid) version: disposable successful the U.S., each states but Hawaii
• Credit (Coinbase One Card): planned for U.S. lone (for now) to Coinbase One members

Best for

U.S.-based crypto users — peculiarly those already utilizing Coinbase — who privation a elemental mode to walk crypto and gain rewards without needing to juggle conversions. The upcoming recognition mentation is champion for dense spenders who volition payment from 2–4% Bitcoin rewards and are comfy with subscription / rank models.

Crypto.com paper Top

Crypto.com offers multi-tier Visa prepaid and metallic cards globally, with rewards and perks expanding based connected CRO staking oregon subscription. They besides launched a Crypto.com Visa Signature® Credit Card successful the U.S. successful 2025.

• High cashback imaginable (up to ~8% CRO) for top-tier holders
• Lifestyle perks similar subscription rebates and lounge access
• Broad availability crossed Europe, U.S., Asia, LATAM
• U.S. recognition paper offers nary yearly interest and boosted rewards successful the archetypal year

• Rewards and perks heavy beryllium connected CRO staking/lockup
• Monthly reward caps bounds cashback astatine mid tiers
• FX and conversion fees use for galore transactions
• Top-ups often person a ~1% fee; inactivity fees whitethorn apply
• Credit paper restrictions connected crypto purchases and immoderate user-reported fraud issues
• Card replacement tin beryllium costly

Fees and supported assets

• No yearly interest for galore prepaid tiers
• Supports galore cryptos connected Crypto.com platform; rewards paid successful CRO (convertible)
• ATM withdrawal limits alteration by tier; fees use beyond limits

Security & compliance

Regulated speech with KYC/AML, Visa-backed card, app power features, though immoderate users study quality challenges.

Availability

Prepaid cards crossed Europe, Asia, LATAM; recognition paper disposable successful U.S.

Best for

Users consenting to involvement CRO for premium perks and rewards, and those who privation manner benefits alongside crypto cashback.

Gemini recognition paper Top

The Gemini Credit Card is simply a metallic Mastercard recognition paper that awards rewards successful crypto, deposited instantly aft purchases. You don’t “top up” it with crypto — instead, it works similar a emblematic recognition paper and pays retired crypto rewards.

• No yearly fee, nary overseas transaction fees
• Instant crypto rewards (deposited immediately, not monthly)
• Rewards tiers: up to 4 % connected gas/EV/transport, 3 % dining, 2 % groceries, 1 % connected others
• Wide crypto options: take among 50+ assets for rewards

• Only disposable successful the U.S.
• High APR connected carried balances (like galore recognition cards)
• Some class caps (e.g. state reward caps)
• Because it’s a recognition card, you can’t really walk crypto — you wage successful fiat via the recognition paper balance

Fees and supported assets

• $0 yearly fee
• 0% overseas transaction fees
• Variable APR (e.g. ~17%–29%) for balances carried beyond the owed date 
• Rewards tin beryllium redeemed successful much than 50 cryptos listed connected Gemini 

Security & compliance

Gemini is simply a regulated speech with compliance and KYC measures. The paper fig is omitted from the carnal paper for information — you entree it via the app.

Standard recognition paper protections use via Mastercard.

Availability

Only disposable to U.S. residents (all 50 states).

Best for

U.S. consumers who similar the flexibility of a recognition card, privation instant crypto rewards, and volition wage disconnected balances monthly to debar interest. Particularly bully for those already utilizing Gemini speech and wanting power implicit which crypto they receive.

Bybit paper Top

The Bybit Card is simply a crypto‑linked Mastercard debit paper (virtual + physical) tied to your Bybit account. You tin walk your crypto, gain cashback, and adjacent person idle equilibrium output until spent.

• Up to ~10% cashback depending connected VIP tier
• Idle balances whitethorn gain involvement (~8% APY) until you walk them
• Integration with Bybit speech (easy transfers)
• No yearly oregon monthly fees successful galore markets
• Rotating perks and subscription rebates successful immoderate regions

• Not disposable successful the U.S. successful galore cases
• Lower cashback tiers whitethorn get humble returns
• Conversion and FX fees whitethorn use (~0.5%)
• Card perks whitethorn beryllium connected trading measurement oregon VIP status

Fees and supported assets

• No yearly paper interest (in supported regions)
• Conversion / crypto → fiat dispersed oregon interest (approx. 0.9%) successful immoderate markets 
• Supports aggregate cryptos (BTC, ETH, USDT, USDC, XRP, etc.) 

Security & compliance

Bybit is simply a regulated speech successful assorted jurisdictions; the paper is backed by Mastercard, which ensures modular protections.The app allows freezing, tracking, and alerts. The compliance posture volition beryllium connected your portion and section crypto regulation.

Availability

Bybit paper is mostly not disposable for U.S. users successful astir regions arsenic of 2025. 

Best for 

Non-U.S. users who commercialized actively connected Bybit and privation to harvester spending, cashback, and output successful 1 card. Great for crypto traders who privation synergies betwixt speech and mundane spending.

Nexo paper Top

The Nexo Card is simply a dual‑mode Mastercard crypto paper (Debit + Credit) that lets you walk crypto straight oregon usage it arsenic collateral to get / walk successful fiat — giving liquidity without selling your crypto holdings.

• Dual mode: Debit Mode (spend crypto) oregon Credit Mode (borrow against crypto)
• Up to 2% cashback successful NEXO (or 0.5% successful BTC) successful Credit Mode, depending connected loyalty tier
• Earn regular involvement connected unused balances (rates beryllium connected plus & loyalty)
• No issuance, monthly, oregon inactivity paper fees
• Free ATM withdrawals wrong tier limits (then fees apply)
• Mastercard acceptance, virtual + carnal cards, Apple Pay / Google Pay support

• Cashback lone successful Credit Mode (currently not successful Debit Mode)
• FX / overseas transaction fees use for non‑local currencies; weekday / play differentials (e.g. 0.2% vs 2.0% weekdays, 0.7% vs 2.5% weekends)
• Physical paper and afloat perks necessitate higher portfolio minimums and loyalty tiers
• Conversion steps / currency mismatches whitethorn erode existent rewards (user reports of nett loss)
• Collateral / borrowing risk: your collateral tin beryllium liquidated if crypto worth drops
• Regulatory hazard / token risk: NEXO token enactment whitethorn alteration per presumption & hazard disclosures

Fees and supported assets

• No paper issuance oregon monthly fees
• Supports galore cryptos (BTC, ETH, stablecoins, NEXO) — though immoderate stablecoins’ fixed‑term usage is being restricted successful the EEA arsenic of 2025 (but inactive usable for spending)
• Free ATM withdrawals wrong limits by loyalty tier; beyond that ~2% fee
• FX / overseas transaction fees varying by portion and day
• Cashback (Credit Mode) up to 2% / 0.5% (depends connected tier)
• Idle equilibrium interest: adaptable (based connected assets and tier)

Security & compliance

Nexo uses KYC/AML, industry‑grade custody for assets, modular paper protections, and app controls (freeze/unfreeze).

Availability

• Available successful EEA, UK, Switzerland, Andorra — expanding crossed Europe
• Not (yet) mostly disposable successful the U.S.

Best for

European crypto holders who privation liquidity without selling, privation to gain involvement connected idle funds, and are comfy navigating loyalty tiers, currency conversions, and the anticipation that fees/FX whitethorn devour into reward benefits.