Best Crypto Credit Cards

The Top Rated Crypto Credit Cards of Jul-2024

The comprehensive list of best crypto credit cards. Compare the cards from Visa and Mastercard. The crypto credit card space is new and we will be adding more options as they become available. Each card has their pros and cons, but we've organized this list from the best card at the top. Apply securely on each partner's website online by clicking Apply Now. Some cards will have you create an account on their website before applying.

upgrade bitcoin rewards red bg

On Upgrade's secure site


Rewards Rate

Break down large payments into predictable smaller amounts + earn Bitcoin on every purchase.

Boost Your Credit

Reports to all 3 credit bureaus and builds your credit score when used responsibly

Gemini Credit Card with Crypto Rewards

On Gemini's secure site


Gemini's credit card has instant access to the crypto earned and no fees for claiming rewards.

Mastercard Network

Use your card wherever Mastercard is accepted to earn cryptocurrency.

best overall crypto credit cards - Blockfi Visa bitcoin rewards credit card

On BlockFi's secure site


Rewards Rate

Earn 1.5% Bitcoin back on eligible purchases, 2% APY on Bitcoin holdings.

Easy Approval Process

Easily see if you're pre-approved within minutes without impacting your credit score

SoFi Credit Card

On SoFi's secure site


Low Purchase APR

Competitve APR and predictable payments make for a great fit for larger purchases

Rewards Rate

Earn 2% unlimited crypto back on card purchases. 16+ cryptocurrencies currently available.

Available Options

Below is our list of the 7 best credit cards with cryptocurrency rewards based on the rubric mentioned above.

1) Gemini Crypto Rewards Mastercard – Best Crypto Credit Card of 2022


With the benefits of Mastercard and world class security, we’ve ranked the Gemini Mastercard as the best crypto card of 2022. With no annual fees and a large selection of crypto, the Gemini card allows users to earn rewards in all of the well-known cryptocurrencies.

Crypto Rewards Program:

Gemini offers up to 3% cash back in crypto rewards. Here’s how it breaks down. They offer 3% back on dining, 2% on groceries, and 1% on other purchases. Your crypto rewards are deposited immediately in your Gemini account.

Annual Fee:

There is no annual fee for the Gemini card. You will need to create a free Gemini account before applying for the credit card. There are also no foreign transaction fees, or exchange fees to redeem rewards. However, there may be fees applied when you choose to sell the crypto that you have accumulated through their crypto rewards program.

Supported Cryptocurrencies:

Gemini users can earn rewards in 60+ different cryptocurrencies. This is one of the reasons why we rank them the best.

Withdrawal Limits:

Since the Gemini crypto rewards credit card is a credit card, users can utilize cash advances if they choose. Gemini charges a cash advance fee of 3% or $10, whichever is greater.


The APR range for the Gemini Credit Card is 14.49% – 25.49%.

2) BlockFi Rewards Credit Card


The BlockFi Visa Card is one of the best crypto credit cards of 2022 due to its high yielding rewards program, as well as its low fees. The BlockFi Visa Signature Card supports over 70,000 users and has become one of the more popular cards since its birth in 2021.

Crypto Rewards Program:

The BlockFi Visa Card is one of the more popular crypto rewards credit cards because of its rewards program that offers up to 10% back in crypto rewards. You can even earn bonus rewards by staking your rewards in the BlockFi app.

Through a service called BlockFi offers, users can earn up to 10% on certain brands and companies. To see which companies apply, you’ll need to download the BlockFi app.

Annual Fee:

The BlockFi card has no annual fees and no foreign currency fees. Crypto cards with no fees are usually at the top of our list.

Supported Cryptocurrencies:

BlockFi supports 15+ crypto currencies including popular cryptos such as Bitcoin and Ethereum. Users can also opt to earn rewards in a select few stable coins.

Withdrawal Limits:

The BlockFi card doesn’t offer any sort of withdraws nor cash advances.


BlockFi offers a service called BlockFi Loan where you can loan money for crypto purchases with an APR as low as 4.5%.

3) Upgrade Bitcoin Rewards Visa Card


The Upgrade Visa Card is one of the best options for bitcoin rewards. Being a Visa Signature Credit Card, the Upgrade Bitcoin Rewards Card is a very versatile and easy to use card. Along with their app, users can easily track the bitcoin rewards that they have earned.

Crypto Rewards Program:

Upgrade’s rewards program is based off of the user paying back their accumulated credit debt. When you use the Upgrade Bitcoin Rewards card, you are essentially borrowing money from Upgrade with a fixed interest rate attached to it. Through Upgrade’s app, you can set up a payment plan to see the timeline of how you will repay the debt.

As you repay your credit card debt, you will earn 1.5% of your repayment back in the form of Bitcoin.

Annual Fee:

There are no fees associated with the Upgrade Bitcoin Rewards card.

Supported Cryptocurrencies:

Bitcoin is the only supported currency. Although this is the smallest selection of all of the exchanges, Bitcoin is the most popular cryptocurrency which allows for a lot of upside on your returns.

Withdrawal Limits:

There is no withdrawals or cash advances with this card.


Upgrade’s card has an average APR of 18%.

4) Sofi Rewards Mastercard


The Sofi Credit Card is one of the more popular cards because it is backed by Sofi’s strong financial network. Sofi offers tons of services such as a crypto wallet, student loans, and loan refinancing. Featuring the versatility of MasterCard, the Sofi Card is a great choice for anyone looking for a reliable crypto card.

Crypto Rewards Program:

Sofi’s rewards program is based off of a points system. For every dollar you spend, you earn 2 rewards points. Each point can be cashed in for $0.01 of cryptocurrency. Sofi’s rewards structure is a unique structure that allows users to choose when to redeem their points.

Annual Fee:

There is no annual fee associated with Sofi’s card; however, there are late payment fees and balance transfer fees.

Supported Cryptocurrencies:

Sofi supports 30+ cryptocurrencies that users can purchase by transferring their rewards points into any of these digital currencies.

Withdrawal Limits:

Sofi allows users to perform cash advances. The APR for cash advances is 18.49%. The cash advance fee is the greater of $10 or 5%.


The APR range is 14.49% – 26.49% for balance transfers and purchases.

5) Visa Card

Overview: has become one of the largest crypto trading platforms across the globe, so we aren’t surprised to see their card on this list. The is supported by Visa’s network making it a very versatile card.

Crypto Rewards Program:

The Card is a prepaid card, which is essentially a debit card. Users can add funds to their card from a checking account, crypto wallet, or via another credit/debit card. offers different Visa cards that all have different rewards perks.

Some cards offer reimbursements for streaming and music subscriptions, while others just offer a general percentage based rewards system.’s rewards system can be tricky to navigate, so before applying, be sure you understand exactly how their rewards structure works.

Annual Fee:

There is no annual fee for this card, but there are fees associated with ATM withdrawals, transfers, and card inactivity. The card is a fairly complex card when it comes to limits and fees which is why it sits near the bottom of our list.

Supported Cryptocurrencies:

All crypto rewards will be given in the native token of called Cronos (CRO).

Withdrawal Limits:

Depending on the card, users can withdraw up to $200-$1000 a month.


Since this card is not a debit card, there is no APR associated with this card.

6) Nexo Card


Nexo is a crypto lending platform that offers crypto credit lines and instant crypto loans. The Nexo Card is a is a crypto card that allows users to use their crypto as collateral instead of selling it to make purchases. Nexo’s web and app interface are easy to navigate making it a very user friendly experience.

Crypto Rewards Program:

Nexo allows users to accumulate rewards in two different cryptos; Bitcoin and NEXO. When earning in Bitcoin, users earn 0.5% cashback on all purchases. If you choose to be rewarded in NEXO, Nexo’s own token, you’ll earn 2% back on all purchases.

Annual Fee:

There are no annual fees associated with the Nexo card.

Supported Cryptocurrencies:

With Nexo, users can accumulate rewards in Bitcoin and NEXO.

Withdrawal Limits:

Click here to see Nexo’s monthly and daily ATM withdrawal limits and fees.


Nexo offers a fairly low APR range from 0% – 13.9%.

7) Coinbase Visa Card


Unlike the other cards on the list, the Coinbase Visa Card is a debit card. Coinbase is one of the most popular crypto exchanges which makes the Coinbase card a versatile card due to its link-ability to a Coinbase account.

Crypto Rewards Program:

With Coinbase’s rewards structure, up to 4% back in rewards can be earned on all purchases. These rewards are transferred into a cryptocurrency such as Bitcoin that will hopefully grow over time.

Annual Fee:

There are no annual fees or transactional fees associated with the Coinbase card.

Supported Cryptocurrencies:

Coinbase allows users to accumulate rewards in 35+ crypto assets such as Bitcoin, Ethereum, and Doge.

Withdrawal Limits:

You can withdraw cash from an ATM with the Coinbase card. Coinbase will not charge an ATM fee for the withdrawal; however, the ATM might charge a fee for the withdrawal.


Because this card is a debit card, there is no APR associated with the card.

What is a crypto credit card?

crypto credit card

Currently, crypto credit cards are a CrossFi product, meaning that they mix the decentralized finance (DeFi) world with traditional finance (TradFi). You'll still be paying with traditional currency and your credit limit will be in fiat rather than an amount in crypto. Most of the cards available are allowing you to earn cryptocurrency rather than spend it. We expect that options to be able to spend crypto are on the horizon and monitoring these projects closely.

How to Sign Up

The easiest way to sign up is online through the card's application page. Each issuer has a different application process, but most of them take less than 5 minutes to complete. You should know if you are approved for for the card within a couple minutes after submitting the application.

Why are these cards at the top of our best crypto cards of 2024 list?​

All of the cards we have selected come with an app that makes it easy to manage your credit card. Top features include daily transaction reports, crypto investment portfolio management, and redeeming your rewards for Bitcoin or other cryptocurrency in the app. These apps make it easy to make payments online and some even let you see how your credit score is changing monthly. In almost all cases, you can virtually add your card Apply Pay or Android Wallet to pay without needing the physical card. If you prefer a physical card, you'll receive it upon being approved after application. Two potential benefits for a physical card is contactless payment in-store and temporarily freezing your card if gets lost or stolen.

Why Should I Earn Crypto Rewards?

Crypto rewards can be a fun way to increase the value of your rewards overtime. There is certainly a risk of a market downturn that will decrease the value of your rewards, but there is also a massive upside if the crypto you’ve chosen

How Can I Earn Crypto Rewards?

Most crypto cards will have some sort of crypto rewards program that allows you to earn crypto. For example, the Gemini Crypto Rewards Mastercard allows you to earn up to three percent back in Bitcoin every time you use your card. All you have to do is choose a card with a crypto rewards program, and then earn crypto rewards by making purchases with the card.

Do Crypto Credit Cards Help Your Credit Score?

A crypto credit card can help your credit score if you spend wisely and make payments on time. The credit bureaus want to see you use your credit cards responsibly in order to increase your credit score. This means you should make payments on time and in full. It will also help your credit score if you can use less than a third of your total credit limit.

Best Crypto Rewards Card for Bad or Fair Credit?

Choose a card that will maximize your rewards potential within the constraints of your credit score. If you are new to credit or have bad credit – you are unlikely to be able to get the best rewards card. You’ll have to start with a card that is meant to build credit – like the Upgrade Bitcoin rewards card.

Foreign Transaction Fees

Foreign transaction fees are fees that credit card issuers charge for transactions made in a foreign currency. For example, if you use your credit card to make a purchase in Euros, you may be charged a foreign transaction fee. Foreign transaction fees can range from one to five percent of the total transaction amount.

Difference Between Crypto Debit and Crypto Credit Cards?

Crypto debit cards are linked to your crypto wallet, and they allow you to spend your crypto without having to convert it into fiat currency. Crypto credit cards, on the other hand, are traditional credit cards that can be used anywhere that accepts Visa or Mastercard. In most cases, you’ll be able to use your crypto credit card anywhere that

General Disclaimer

Crypto Cards LLC is an independent credit card comparison service that provides analysis tools and editorial opinions. We strongly believe in financial equality and transparency, which is why we suggest using our free recommendation service which analyzes your bank statement to produce data-driven recommendations. Note that we receive compensation from some (but not all) financial products that we review which may impact where we display the products of our partners.

Editorial Disclaimer

All of the editorials offered on this site are independently contracted by DeFi experts to avoid incentive bias and allow our readers to get the best info as possible. Accordingly, you can trust that the editorial opinions on this site are explicitly our own — or based on a community consensus. We encourage readers to leave us feedback!