Ranking
Best crypto credit cards
Only cards with a real credit line — including crypto-backed credit where you borrow against collateral instead of selling. Debit and prepaid cards are excluded.
Currently ranked first: Ethena Pay Spend Card with 8.1/10 (crypto credit weighting). 10 cards qualify. Rankings update automatically when verified data changes — last rendered 24 October 2026.
★ Our pickEditorial choice · score unchanged
- Cashback
- 3%*
- Fee
- Free*
- FX fee
- 1.5%*
No annual or monthly fee on the base tier
3% base cashback in ETHFI
FX fee up to 1.5%
Top rate of 4% only with conditions — VIP membership, on the first $50,000 of card spend per month
- Cashback
- 4%*
- Fee
- Free*
- FX fee
- 1%*
No annual or monthly fee on the base tier
4% base cashback in AVAX
Top rate of 5% only with conditions — VIP tier on the first $20,000 of monthly spend; Pro 4.5% on the first $8,000
Collateral can be liquidated if prices fall
- Cashback
- 0.5%*
- Fee
- Free
- FX fee
- 2%*
No annual or monthly fee on the base tier
Apple Pay and Google Pay
FX fee up to 2%
Top rate of 2% only with conditions — Up to; Credit Mode only, depends on loyalty tier
- Cashback
- 1.5%*
- Fee
- No data yet
- FX fee
- 0%
No FX markup from the issuer
1.5% base cashback in USDT on Arbitrum
Top rate of 6% only with conditions — Premium tier, headline rate, monthly spend caps apply
Physical card costs $109
- Cashback
- 2%*
- Fee
- $49.99/year*
- FX fee
- 0%
No FX markup from the issuer
2% base cashback in BTC
Annual cost $49.99 (Coinbase One membership required (from $49.99/year); no separate card annual fee for members)
Top rate of 4% only with conditions — Up to; tier depends on average Coinbase balance
- Cashback
- 1.5%*
- Fee
- Free*
- FX fee
- 1.75%*
No annual or monthly fee on the base tier
1.5% base cashback in USD
FX fee up to 1.75%
Top rate of 3% only with conditions — Private membership ($10,000/yr), first $40,000 per month; plus 2% in KAST Points
- Cashback
- 0%*
- Fee
- Free*
- FX fee
- 0%*
No annual or monthly fee on the base tier
No FX markup from the issuer
ATM fee €2.99
Physical card costs €99
- Cashback
- 0%*
- Fee
- Free*
- FX fee
- 1%*
No annual or monthly fee on the base tier
Self-custody: funds stay in your own wallet
Physical card costs $50
Collateral can be liquidated if prices fall
- Cashback
- 1%*
- Fee
- No data yet
- FX fee
- No data yet
1% base cashback in BTC, USDT or BXX
Apple Pay and Google Pay
Top rate of 2% only with conditions — If cashback is paid in BXX (Baanx token)
Collateral can be liquidated if prices fall
- Cashback
- No data yet
- Fee
- Free*
- FX fee
- 1.2%*
No annual or monthly fee on the base tier
Apple Pay and Google Pay
Top rate of 3% only with conditions — RedotPay Pro (monthly or annual) only; Apple Pay / Google Pay transactions only; capped at 18 USDs per month
ATM fee 2%
