Crypto Credit Cards: Top Providers, Cashback Rewards & Fees Compared

In today's digital age, crypto credit cards are revolutionizing the way we pay—bridging the gap between traditional payment systems and the fast-evolving world of cryptocurrencies.

Until now, spending Blockchain-based currencies directly has been a challenge. Crypto credit cards solve that problem by seamlessly connecting your crypto assets with the merchants you shop with—online or in-store.

Our [current_year] comparison of the top crypto credit cards highlights the most rewarding cashback options while putting a strong focus on fees and overall transparency.

Whether you're just getting started with crypto or already a seasoned holder, this guide will help you find the right card to make your digital currencies payments fast, simple, and rewarding.

Overview of the Best Crypto Credit Cards in [current_year]

Crypto credit cards have become a bridge between digital assets and everyday spending. They allow users to pay at millions of merchants worldwide while earning rewards in crypto instead of traditional loyalty points. Some also come with lower foreign exchange fees, making them attractive for frequent travelers.

In [current_year], several cards stand out for their features:

These cards differ in their approach. Some, like Nexo, focus on letting users spend without liquidating their crypto holdings, while others, like Crypto.com, use staking to unlock higher reward tiers. For most everyday users, the choice comes down to reward rates, fees, and whether you already use the platform that issues the card.

What Are Crypto Credit Cards?

Crypto credit cards are financial tools that bridge the gap between traditional banking and the world of digital assets.

They allow users to spend their cryptocurrencies like regular money by converting crypto into local fiat currency in real-time at the point of purchase.

These cards look and function just like traditional debit or credit cards and can be used almost anywhere regular cards are accepted.

One of their key benefits is the ability to seamlessly use crypto for everyday purchases. Many also offer crypto cashback rewards and other incentives.

Crypto credit cards are often issued by cryptocurrency exchanges as a way to deepen customer engagement and loyalty to their platforms.

Our Top Crypto Credit Cards: Side-by-Side Comparison

Below is a breakdown of the main options and what sets them apart.

Crypto credit cards are not one-size-fits-all. Each provider offers a different mix of cashback, fees, and perks, which makes them better suited for certain users.

Below is a breakdown of the main options and what sets them apart.

Crypto.com Visa

This is one of the most popular choices thanks to its tiered reward system. Users who stake CRO can unlock up to 5% cashback along with benefits like free Spotify or Netflix subscriptions. The downside is that to get the highest rewards, you need to lock up a large amount of CRO, which exposes you to market volatility.

Binance Card

Integrated directly with the Binance exchange, this card is a good fit for those who already hold BNB. It offers up to 2% cashback without an issuance fee and works smoothly with balances on the platform. On the flip side, its cashback rate is lower than some competitors, and users outside the EU may face small FX fees.

Coinbase Card

With flexible rewards of 1–4% in your chosen crypto, the Coinbase Card appeals to those who want variety. It has no issuance fee and is easy to use if you already keep funds on Coinbase. However, the relatively high foreign exchange fee (around 2.49%) makes it less attractive for travelers.

Nexo Card

Nexo's card is unique because it lets you spend against your crypto holdings without selling them. Cashback is up to 2%, paid in BTC or NEXO, and there are no FX fees within the EU. For active borrowers or long-term holders, this can be an efficient way to use crypto for daily spending. The main drawback is that it works best if you are already invested in Nexo's ecosystem.

BlockFi Rewards Card

This card is straightforward: 1.5% cashback in BTC on all purchases, with no annual fee. It's ideal for beginners who want simple rewards without staking or complex requirements. However, it lacks the extra perks of cards like Crypto.com, and FX fees are standard Visa rates.

Direct crypto credit card comparison

Card	Cashback	Issuance/ FX fees	Extras	Best for
Crypto.com Visa	Up to 5% (tiered)	Free / 0–3%	Spotify, Netflix, travel perks	High spenders who stake CRO
Binance Card	Up to 2%	Free / 0% EUR / small other FX	Exchange integration	Active Binance users
Coinbase Card	1–4% (user's choice)	Free / ~2.49%	Rewards in multiple cryptos	Everyday Coinbase users
Nexo Card	Up to 2%	Free / No FX in EU	Spend without selling	Borrowers and holders
BlockFi Rewards	1.5% flat BTC	Free / Standard Visa FX	Simple cashback	Beginners

Which Crypto Credit Card Should You Choose

With so many options available, the best card really depends on your lifestyle and how you use crypto. Each provider has strengths that make it stand out for different types of users.

For Beginners

If you are new to crypto and want a simple option, the BlockFi Rewards Card is a strong pick. Its flat 1.5% cashback in Bitcoin is easy to understand, with no staking requirements or hidden fees.

For Everyday Shoppers

The Coinbase Card works well for those who already use Coinbase and want flexible rewards in different cryptocurrencies. While the FX fee can be high, it is convenient for daily purchases if you are based in the US or EU.

For High Spenders

If you are willing to stake CRO, the Crypto.com Visa offers the highest cashback rates and lifestyle perks like Spotify or Netflix rebates. It is best suited for committed crypto users who want to maximize rewards.

For Exchange Users

The Binance Card is ideal if you already hold BNB or use the Binance platform. It offers competitive cashback, smooth integration, and no issuance fee, making it attractive for active traders.

For Long-Term Holders And Borrowers

The Nexo Card is unique because it lets you spend without selling your crypto. If you are someone who holds assets long-term but wants flexibility to use them in daily life, this card provides that balance while still earning rewards.

Spino.io's Top Pick: The Bitpanda Crypto Credit Card

For ambitious beginners, we recommend the Bitpanda Crypto Credit Card thanks to its user-friendly experience, transparent fees, and unique ability to spend both cryptocurrencies and precious metals in real time.

With broad merchant acceptance and attractive cashback rewards, it's a strong choice for everyday use. However, it does come with one key requirement: staking 5,000 BEST, Bitpanda's native token.

At the current BEST price of <$0.721232 actual number through module>, that's a significant upfront investment.

If you're comfortable with that entry threshold, Bitpanda's crypto credit card offers one of the most well-rounded solutions on the market.

What really matters when choosing a Crypto Credit Card?

When it comes to picking the right crypto credit card, the most critical factors are cashback rewards, fees, spending limits—and especially the conditions tied to them.

How many of the platform's native tokens do you need to stake to unlock benefits? Do you need a paid subscription, or is the free version of the card enough for your needs?

In our crypto credit card comparison, we've laid out these details side by side to give you clear answers.

Cashback

Arguably the most exciting—and financially rewarding—feature of crypto credit cards is crypto cashback.

Below, we'll provide an overview of all the available cashback programs, followed by a detailed breakdown of each provider's specific rewards structure.

#	Provider	Cashback Program
1	Bitpanda	Up to 2% in BTC (depends on VIP level)
2	Crypto.com – Ruby Steel	1% cashback with €350 CRO stake
3	Crypto.com – Royal Indigo / Jade Green	2% cashback with €3,500 CRO stake
4	Crypto.com – Frosted Rose Gold / Icy White	3% cashback with €35,000 CRO stake
5	Crypto.com – Obsidian	5% cashback with €350,000 CRO stake
6	Plutus	3% to 8%, depending on PLU balance
7	NEXO	0.5% in BTC or 2% in NEXO tokens
8	Wirex	Up to 8% in WXT

Bitpanda Cashback Program Explained

Bitpanda offers exclusive perks for BEST VIP members, with benefits scaling based on your VIP level. Starting at Level 3, users enjoy one free ATM withdrawal per month and reduced foreign exchange (FX) fees.

The cashback itself is paid out in Bitcoin (BTC) and depends on both your VIP tier and how many BEST tokens you hold:

BEST Token Holdings	Cashback Rate
5,000 BEST	0.5%
10,000 BEST	1%
50,000+ BEST	2%

This rewards program presents a compelling way to earn passive income while using your crypto card for daily spending.

Important Note: Cashback is only granted when the selected spending currency is not fiat (e.g., EUR), USDT, or USDC. To earn cashback, make sure you're paying with supported crypto or metals.

Crypto.com Cashback Program Overview

Crypto.com offers a tiered rewards system across multiple card levels, with increasing benefits and CRO cashback the higher you go.

Key Highlights:

• Cashback Rewards: Earn up to 5% CRO cashback, depending on your card tier.
  
• Perks: Higher tiers include free Spotify and Netflix subscriptions, and airport lounge access.
  
• ATM Access: One free ATM withdrawal per month is included across most tiers.
  
• Spending Limits: Each card tier comes with its own monthly limits and staking requirements.
  
• Entry-Level Option: The free Midnight Blue card is not listed in comparisons, as it does not offer any cashback.
  

To make the most of your Crypto.com card, compare the benefits, staking requirements, and cashback rates across the available tiers. Choosing the right tier depends on your budget, lifestyle, and how much CRO you're willing to lock up.

#	Card Tier	CRO Lockup Amount	Cashback Rate	Additional Benefits
1	Ruby Steel	€350 in CRO	1% (max €25/month)	Free Spotify (first 6 months)
2	Royal Indigo / Jade Green	€3,500 in CRO	2% (max €50/month)	Free Spotify & Netflix (first 6 months), Airport lounge access
3	Frosted Rose Gold / Icy White	€35,000 in CRO	3%	Free Spotify, Netflix, Expedia, Airbnb, Lounge access
4	Obsidian	€350,000 in CRO	5%	All benefits from lower tiers included

Plutus Cashback Overview

Plutus offers a unique dual-layered cashback system, where your rewards depend on both your subscription plan and your PLU token balance.

No matter which plan you choose, you'll earn a base 3% cashback on eligible purchases. However, the monthly spending limit for cashback—and the number of free perks you get—varies by tier:

• Starter Plan
  
  • Earn 3% cashback on up to €250 per month
    
  • Includes 1 free perk
    
• Everyday Plan
  
  • Earn 3% cashback on up to €2,000 per month
    
  • Includes 2 free perks
    
• Premium Plan
  
  • Earn 3% cashback on up to €22,500 per month
    
  • Includes 3 free perks
    

Perks can be monthly subscriptions like Spotify, Netflix, or Amazon Prime, or store credits at popular retailers like IKEA, Lidl, or Airbnb. You can swap them out each month, but to activate a perk, you must pay for it using your Plutus card.

It's a flexible system that rewards both regular spenders and long-term PLU holders, making it ideal for those who want more control over their rewards.

Your PLU token balance further boosts your cashback rate:

Level	Required PLU Balance	Total Cashback Rate
Hero	400 PLU	4%
Veteran	800 PLU	5%
Legend	1,600 PLU	6%
G.O.A.T	3,200 PLU	8%

Note: PLU requirements are reviewed and increased on a quarterly basis.

This two-layered reward model makes Plutus one of the most customizable and potentially high-reward crypto card options—especially for users willing to maintain a high PLU balance.

Crypto Credit Card Fees & Limits Overview

Provider	Issuance Fee	ATM Withdrawals Abroad	Crypto-to-Fiat Conversion Fee	Transaction Fees	ATM Withdrawal Limits (Domestic)	Spending Limit
Bitpanda	$11	2.5%	1.49%	Free (within limits)	Daily ATM limit: $380	Up to $10,800
Crypto.com	Free	0.5%	0.00%	Free (within limits)	Free withdrawals: $215–1,080/month	Up to $10,800
Plutus	$11	2.5%	Not available	$1.45 + 1.0%	Daily ATM limit: $2,700–8,100	$3,200–17,200
NEXO	Free	10 free ATM withdrawals/month, then $2.15 each	No fees	10 free ATM withdrawals/month, then $2.15 each	Daily ATM limit: $2,150–10,800	Up to $64,800
Wirex	Free ($5 shipping)	Free up to $215/month	Varies by currency pair	Free (within limits)	Daily ATM limit: $32,400	Up to $32,400

Pros and Cons of Crypto Credit Cards

Crypto credit cards can offer some serious perks—but they also come with trade-offs. Here's a balanced look at the key advantages and disadvantages:

Advantages

• Widely Accepted: Use them anywhere traditional credit/debit cards are accepted.
  
• Everyday Crypto Use: Make your crypto spendable in daily life—groceries, gas, subscriptions, etc.
  
• Attractive Cashback Programs: Earn crypto rewards on your purchases, often higher than traditional cards.
  
• Great for Travel: Use abroad with competitive FX rates and no foreign transaction fees on many cards.
  
• ATM Access: Withdraw cash directly from your crypto balance.
  
• Low to No Fees: Many cards have low issuance costs and minimal transaction fees.
  

Disadvantages

• Waiting Period: Some cards have long approval or shipping times.
  
• Staking Required: High cashback tiers usually require staking large amounts of native tokens.
  
• Instant Fiat Conversion: Most cards convert crypto to fiat instantly, which removes HODLing potential.
  
• Not True Credit Cards: Almost all are debit cards—no credit line or delayed payment benefits.

Cryptocurrencies and Credit Cards – Do they really fit together?

Most people use money for routine expenses—grocery shopping, filling up the gas tank, paying for subscriptions or services. And in these everyday situations, crypto has traditionally been a poor fit.

But with a bit of innovation, crypto can now be used just like fiat—thanks to crypto credit cards.

These cards offer a seamless way to spend crypto both online and in physical stores. For people who hold a significant portion of their wealth in digital assets, crypto credit cards provide a practical bridge to use that wealth in the real world.

Because banks don't (yet) connect directly to crypto wallets, these cards act as a critical link between the decentralized world of crypto and the traditional financial system.

There's already a growing range of crypto credit cards available—and more are launching all the time. But that variety also brings complexity.

If you're considering one, it's important to compare features, rewards, fees, and requirements to find the card that best fits your financial goals and lifestyle.

What types of Crypto Credit Cards are there?

Currently, there are two primary types of crypto credit cards available—each serving a different purpose depending on how you want to use your digital assets.

Crypto Prepaid Cards

The most common type is the crypto prepaid card. These function similarly to traditional prepaid debit cards. You load the card by converting your crypto into fiat currency, either at the time of loading or at the point of purchase. The card itself doesn't hold any actual cryptocurrency. Instead, the crypto is exchanged for fiat, which is then used for transactions. These cards are typically issued by Visa or Mastercard, making them widely accepted across millions of merchants. They are user-friendly and often come with added benefits like cashback rewards. However, users should be aware that fees may apply during the crypto-to-fiat conversion process, and they won't benefit from any crypto price appreciation after conversion.

Crypto Wallet Credit Cards

On the other hand, wallet-based crypto credit cards represent the more advanced, "true" crypto card experience. With these cards, your crypto remains in a wallet connected to the card until the moment of payment. The assets aren't converted into fiat until the transaction occurs, meaning you stay fully exposed to price movements in the meantime. These cards typically require a companion app to manage wallet settings, backup seed phrases, and allow you to set fallback currencies if your primary crypto balance is insufficient. Although far less common, wallet-based cards offer a more direct and flexible way to use your crypto holdings, making them an appealing option for tech-savvy users who want to maintain control over their assets.

While prepaid crypto cards dominate the market due to their convenience and simplicity, wallet-based crypto cards are seen as a more innovative, albeit niche, solution—providing a deeper integration of crypto into everyday financial activity.

How do I deposit funds onto a Crypto Credit Card?

Loading a crypto credit card is simple but involves a few important steps—especially if you're converting crypto into fiat. Here's how the process typically works:

Step 1: Sign Up and Order Your Card

First, choose a crypto credit card provider that suits your needs and create an account. Once your identity is verified, you can order the physical or virtual card.

Step 2: Access the App and Link Your Wallet

After your account is set up, log into the provider's mobile app or web platform. From there, you'll be able to access a dedicated crypto wallet connected to your card. This is where you'll manage the funds you plan to spend.

Step 3: Convert Crypto to Fiat

To fund your card, you'll convert the desired amount of cryptocurrency into fiat currency. This converted fiat is what gets loaded onto the card and used for spending. Keep in mind, this crypto-to-fiat conversion is a taxable event in many jurisdictions—so it's important to factor in potential tax implications before using your card.

Where can I pay with a Crypto Credit Card?

Most crypto credit cards are issued through Visa or Mastercard, meaning they can be used virtually anywhere these networks are accepted. That includes standard point-of-sale terminals in supermarkets, gas stations, restaurants, and online stores—just like any traditional debit or credit card.

This makes crypto cards extremely practical for everyday spending. And when combined with cashback rewards, they can become a smart tool for turning routine purchases into crypto earnings.

Crypto credit cards also work internationally, but there are a few important things to consider when using them abroad:

• Currency Conversion Fees (EUR to Foreign Currencies):
  If your crypto card is loaded with euros, be aware of potentially high FX fees when spending in other currencies. Some providers charge more than others for this service. In those cases, it might be smarter to use a travel-optimized card instead.
  
• Crypto-to-Foreign Currency Conversion Confusion:
  Many platforms display crypto prices in USD by default. If you're in a country like Thailand, this can make it tricky to mentally calculate how much you're spending in the local currency. Ideally, choose a provider that supports local currency display or offers better transparency.
  
• ATM Withdrawal Costs Abroad:
  Foreign ATM withdrawals often come with third-party fees, especially in places like Southeast Asia. These costs can add up quickly—even with a crypto card. Always check how your provider handles foreign ATM fees before relying on the card for cash access abroad.
  

Overall, crypto credit cards are accepted almost anywhere—but smart usage requires a close eye on fees, especially when traveling.

Conclusion: Crypto Credit Card Comparison [current_year]

In our in-depth comparison of crypto credit cards for [current_year], we found that Bitpanda, Crypto.com, and Plutus stand out as top choices for users in the United States.

Each provider brings unique strengths to the table. Bitpanda impresses with its ease of use and fair fee structure, making it especially appealing for beginners. Plutus shines with its high cashback rates and valuable perks, offering more rewards for those willing to stake PLU tokens. Crypto.com, on the other hand, delivers competitive rewards and low fees—but with some limitations around availability and spending thresholds.

One thing became clear: choosing the right crypto card depends heavily on your personal preferences and spending habits. The cashback models vary significantly—ranging from 2% at Bitpanda to as much as 8% with Plutus, depending on staking or subscription levels.

Ultimately, crypto credit cards are an exciting bridge between traditional finance and the digital asset economy. They allow users to conveniently spend their crypto holdings in everyday scenarios while earning rewards in return.

As crypto adoption grows, these cards represent a forward-looking, practical payment solution for the digital age—blending convenience, flexibility, and financial innovation in one sleek product.

Frequently Asked Questions