Rewards Guide

Earn Crypto on Every Swipe

Crypto credit cards pay you in Bitcoin, XRP, DOGE, or CRO instead of airline miles nobody uses. The math is simple — if you're going to spend anyway, you might as well accumulate. Here's what's actually worth carrying.

Exchange Cards

Coinbase Card

Visa
Up to 4% backNo annual fee
Reward Options
4% DOGE or XRP1% BTC1% ETH
Pros
  • +4% back in DOGE or XRP is one of the highest flat rates available
  • +No annual fee makes it low-commitment to hold
  • +Instant crypto rewards, not points
Cons
  • −Requires an active Coinbase account
  • −Reward tiers mean you have to pick your crypto — rate varies by choice
Apply for Coinbase Card →

Gemini Credit Card

Mastercard
Up to 3% backNo annual fee
Reward Options
3% dining2% groceries1% everything else — all in crypto10+ crypto options
Pros
  • +Choose from 10+ cryptocurrencies for rewards
  • +Tiered cashback on dining and groceries is competitive
  • +No annual fee
Cons
  • −3% is only on dining, not all spend
  • −Requires Gemini account in a supported state
Apply for Gemini Card →

Crypto.com Visa Metal

Visa
Up to 5% CRO cashbackNo annual fee on base tier
Reward Options
Up to 5% CRO on all spendPerks include Spotify, Netflix, airport lounge at higher tiers
Pros
  • +5% rate is highest on this list — if you qualify
  • +Metal card with significant lifestyle perks at premium tiers
  • +Base card available with no staking requirement
Cons
  • −Top rates require staking $400–$400k in CRO — meaningful capital lock-up
  • −CRO's long-term value is tied to Crypto.com's success
  • −Perks require staking to actually unlock
Apply for Crypto.com Card →

Fold Card

Visa
Bitcoin rewards via spin-the-wheel$149/yr for premium tier
Reward Options
Base: Bitcoin rewards on all spendPremium: up to 100% back as sweepstakesSpin mechanic adds lottery element to every purchase
Pros
  • +Bitcoin-native rewards — no altcoin exposure
  • +The sweepstakes mechanic is genuinely novel
  • +Works anywhere Visa is accepted
Cons
  • −Expected value of spin rewards may be lower than flat-rate competitors
  • −$149 annual fee for premium tier makes it expensive unless you spend heavily
  • −Variable reward rate is hard to plan around
Apply for Fold Card →
Non-Exchange Cards

No crypto account required. Earn cashback that can optionally be converted to crypto.

SoFi Credit Card

Visa
2% cashback redeemable as cryptoNo annual fee
Reward Options
2% unlimited cashback on all purchasesRedeem rewards directly as cryptocurrency
Pros
  • +No annual fee and no crypto account required to apply
  • +Simple flat 2% on every purchase — no category management
  • +Rewards can be converted to crypto in the SoFi app
Cons
  • −2% rate is lower than top crypto-native cards
  • −Crypto is an optional redemption, not automatic rewards
Apply for SoFi Card →

Upgrade Bitcoin Rewards Card

Visa
1.5% back in BTCNo annual fee
Reward Options
1.5% back in Bitcoin on all purchasesBTC rewards paid every statement cycle
Pros
  • +Direct Bitcoin rewards — no altcoin exposure
  • +No annual fee and no crypto required to apply
  • +BTC deposited automatically, no manual conversion
Cons
  • −1.5% flat rate is lower than some competitors
  • −Requires an Upgrade account
Apply for Upgrade Bitcoin Card →

Venmo Credit Card

Visa
Up to 3% cashbackNo annual fee
Reward Options
3% on top spend category2% on second category1% on everything elseAuto-convert rewards to crypto
Pros
  • +No annual fee and no crypto required to apply
  • +Automatically detects your top spend category each month
  • +Optional auto-convert cashback to crypto in Venmo app
Cons
  • −Crypto conversion is optional — not a true crypto rewards card
  • −3% only applies to your highest spend category
  • −Requires Venmo account
Apply for Venmo Card →

BlockFi Rewards Visa

DiscontinuedVisa

Discontinued following BlockFi's bankruptcy after the FTX collapse in November 2022. Cardholders were notified to stop using the card. Listed here for historical context — do not apply.

How to Choose

A decision tree for normal humans.

If you want
No annual fee + highest flat rate
Get
Coinbase Card
4% back in XRP or DOGE with zero fee is hard to beat on pure math.
If you want
No annual fee + flexibility in which crypto
Get
Gemini Credit Card
10+ crypto options and competitive tiered rates.
If you want
Bitcoin-only rewards, no crypto required
Get
Upgrade Bitcoin Rewards Card
Direct BTC rewards with no exchange account needed and no annual fee.
If you want
Willing to stake CRO for maximum rate
Get
Crypto.com Visa Metal
5% rate plus lifestyle perks if you're bought into the CRO ecosystem.
Some links on this page are affiliate or referral links. We may earn a commission if you apply and are approved — at no extra cost to you. Card terms change; verify current rates before applying.