Compare crypto cards

A crypto card is a debit or credit card that lets you spend crypto at any merchant that accepts Visa or Mastercard. When you pay, the card converts your crypto to local currency behind the scenes — the merchant receives fiat, just like any other card transaction.

Crypto card rewards work like standard cashback — you earn a percentage back on eligible purchases. The difference is the payout: instead of cash, you receive crypto (often BTC, ETH, or the provider's own token). Since rewards are paid in crypto, they can grow in value over time — though they can also fall.

Not always. Debit-style crypto cards require you to load funds first — with crypto, fiat, or both — and you spend what's there. Some credit-style cards work like a regular credit card: you get a fiat credit line and earn crypto rewards without holding any. Staking is optional on most cards, but some require you to stake the provider's token to unlock higher cashback tiers or premium perks.

The main ones to watch: annual or monthly fees, ATM withdrawal fees, foreign exchange (FX) fees, and crypto conversion costs (often a rate markup or spread). Some cards hide fees in the conversion rate rather than charging them directly — always check the full fee schedule and any cashback caps before applying.

Anywhere that accepts Visa or Mastercard — which covers most merchants worldwide. The merchant receives fiat; they don't need to accept crypto. That said, availability and features vary by country, and some regions or merchants block crypto-linked cards, so check coverage for your area before applying.

With custodial cards, the provider holds your funds — they control the keys and handle all conversions. With non-custodial cards, you connect your own wallet and keep control of your keys. The trade-off: custodial cards are simpler to use, while non-custodial cards give you full ownership of your funds.

KYC stands for Know Your Customer — identity verification required by regulated card issuers to prevent fraud and meet anti-money laundering rules. Most crypto cards require it before you can use the card. You typically submit a government ID and sometimes proof of address; the process usually takes a few minutes and is done through the provider's app.

It depends on where you live. In many countries (including the US and UK), crypto rewards are treated as taxable income when received — and you may also owe capital gains tax if you later sell or spend them at a profit. Tax rules for crypto are still evolving, so if you're unsure, check your local guidance or speak with a tax professional.

Yes — if your rewards are paid in crypto, they're subject to market swings. Your cashback could be worth more next month, or less. Some cards let you automatically convert rewards to stablecoins or fiat to reduce that risk; others don't. It's worth checking the payout options before you choose a card.