Ranking
Best cards for DeFi users
Crypto-native cards with on-chain custody and borrowing features.
Currently ranked first: ether.fi Cash with 8.2/10 (defi users weighting). 26 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
- 5%*
- Fee
- Free*
- FX fee
- 1.5%*
No annual or monthly fee on the base tier
5% base cashback in USDC (EEA residents) / USDT (outside EEA)
FX fee up to 1.5%
Top rate of 10% only with conditions — Up to
- 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
- 1%*
- Fee
- Free*
- FX fee
- 0%
No annual or monthly fee on the base tier
No FX markup from the issuer
Top rate of 20% only with conditions — Up to; eligible purchases only — conditions not specified
- 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
- Free
- FX fee
- 0%*
No annual or monthly fee on the base tier
No FX markup from the issuer
Top rate of 10% only with conditions — VIP 4+ on OKX, capped at €1,000/month
No physical card
- Cashback
- No data yet
- Fee
- Free
- FX fee
- No data yet
No annual or monthly fee on the base tier
Spends stablecoins directly
US residents only
- 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
- No data yet
- Fee
- Free
- FX fee
- 1%*
No annual or monthly fee on the base tier
Self-custody: funds stay in your own wallet
No physical card
- 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
- 0%*
- Fee
- Free*
- FX fee
- No data yet
No annual or monthly fee on the base tier
Self-custody: funds stay in your own wallet
Top rate of 0.5% only with conditions — Premium tier; 'boosted cashback' announced for Metal
Physical card costs $124
- Cashback
- 1%*
- Fee
- Free*
- FX fee
- 0%*
No annual or monthly fee on the base tier
No FX markup from the issuer
Top rate of 3% only with conditions — Metal tier ($199/yr), first $10,000 spent per year, then 1%
ATM fee 2%
- 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
- 1%*
- Fee
- Free*
- FX fee
- 0.5%*
No annual or monthly fee on the base tier
Low FX fee (0.5%)
Top rate of 10% only with conditions — Up to; marketing claim, tier based on total Bybit portfolio value
- Cashback
- 2%*
- Fee
- Free
- FX fee
- No data yet
No annual or monthly fee on the base tier
2% base cashback in BTC, gold, US stocks (NVIDIA, Google, Tesla, S&P 500) or USDC (user's choice)
Top rate of 3% only with conditions — New users or after reaching the monthly spending threshold
- 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
- Free
- FX fee
- 0%*
No annual or monthly fee on the base tier
No FX markup from the issuer
ATM fee 2% (min. €2)
- Cashback
- 2%*
- Fee
- No data yet
- FX fee
- No data yet
2% base cashback in XPL
Self-custody: funds stay in your own wallet
Top rate of 4% only with conditions — Platinum tier base cashback; AI spend 10%
Cashback paid in a volatile token (XPL)
- 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
- 1%*
- Fee
- Free*
- FX fee
- 1.5%*
No annual or monthly fee on the base tier
1% base cashback in USDC
FX fee up to 1.5%
Top rate of 4% only with conditions — Prestige tier ($999/year, coming soon); Plus 2%
- Cashback
- 2%*
- Fee
- Free*
- FX fee
- 1.5%*
No annual or monthly fee on the base tier
2% base cashback in XRP (or other crypto at Uphold's discretion)
FX fee up to 1.5%
Top rate of 4% only with conditions — Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins
- Cashback
- 0%*
- Fee
- Free*
- FX fee
- 0.5%*
No annual or monthly fee on the base tier
Low FX fee (0.5%)
Top rate of 1% only with conditions — Premium plan (10 €/month)
- Cashback
- 0.5%*
- Fee
- Free*
- FX fee
- 0%*
No annual or monthly fee on the base tier
No FX markup from the issuer
Top rate of 8% only with conditions — Elite plan (€29.99/month) at the Ultimate WXT-lock tier
Higher rewards require staking or holding WXT
- Cashback
- No data yet
- Fee
- Free
- FX fee
- 2%*
No annual or monthly fee on the base tier
Spends stablecoins directly
FX fee up to 2%
Top rate of 3% only with conditions — Up to; paid monthly into the Binance wallet
- 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%
- Cashback
- 0%*
- Fee
- Free*
- FX fee
- No data yet
No annual or monthly fee on the base tier
Apple Pay and Google Pay
Top rate of 4.5% only with conditions — Highest tier; monthly caps apply by tier
Higher rewards require staking or holding CRO
