Crypto Card Comparison (2026)
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Key Takeaways
- We're testing the top crypto payment cards one-by-one. Cashback rates, FX fees, and feature support vary significantly across programs.
- The best card depends on how and where you spend. Standout cards include EtherFi for its great cashback and unique borrow-to-spend functionality, as well as KAST.
- Most cards now support Apple Pay and Google Pay, and nearly all settle on Visa or Mastercard rails.
- The biggest differentiators come down to cashback structure, foreign exchange costs, and whether you can borrow against your holdings instead of selling them.
Crypto Cards by Cashback, Fees, and More
 |  |  |  |  |  |  |  | |
|---|---|---|---|---|---|---|---|---|
| Base Cashback | 3% | 2% | 1.5% | 1% | 0.5% | 0.5% | 1% | ~2% |
| Max Cashback | 4% | 8% | 6% | 5% | 3% | 1% | 3% | FX-based |
| Cashback Limit | $1000-2500/mo | No limit | $100K/yr | $22,000/mo | $150/mo | Unlimited | $25/mo | Varies |
| FX Fee | 1% | 0.5-1.75% | 1% | 0% | 0% | 2.5% | 0.5% | 1.7% |
| Borrow to Spend | ✓ | ✗ | Coming soon. | ✗ | ✗ | ✗ | ✗ | Coming soon. |
| Apple Pay | ✓ | ✓ | ✓ | ✓ | ✗ | ✓ | ✓ | ✓ |
| Google Pay | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Card Provider |  | | | |  | | | |
| Signup Link | Sign up | Sign up | Sign up | Sign up via Zeal | Sign up | Sign up | Sign up | Sign up |
Key Features: What to Look for in a Crypto Card
Not all crypto cards are created equal. Here are the features that matter most when choosing between them.
- Cashback rates and limits. Base cashback ranges from 0.5% to 3% across the cards we track, with boosted tiers reaching as high as 8% for programs like Tria and KAST. But the cap matters just as much as the rate. Some cards limit rewards to as little as $25 per month, while others like Gnosis Pay offer limits above $20,000 per month. We've found that in most cases a card's Base Cashback represents the overall attractiveness of its cashback program.
- Foreign exchange fees. Most crypto cards settle in USDC or USDT, which means transactions are processed in US dollars at the point of sale. For users spending in non-USD currencies, this introduces an FX conversion. Gnosis Pay avoids this for EUR and GBP spending via EURe and GBPe, and EtherFi supports EUR spending via EURC. Beyond native currency support, listed FX fees range from 0% to 2.5% across the cards we track. Ready stands out with 0% FX fees, while most others fall between 0.5% and 2.5%.
- Borrow to spend. Some cards let you spend against your crypto collateral without selling it, effectively taking a stablecoin loan backed by your portfolio. Currently only EtherFi supports this, with Tria expected to add the feature in the near future. This can be a useful way to access liquidity while maintaining exposure to your assets, and has tax benefits in some jurisdictions.
- Payment network and wallet support. Cards are issued on either Visa or Mastercard, with some programs like Bitget Wallet offering both. Apple Pay and Google Pay support is nearly universal across all cards tracked.
Frequently Asked Questions
What fees do crypto cards charge?
Most crypto cards charge no monthly or annual fees. The main costs to watch for are foreign exchange fees (0% to 2.5% depending on the card), ATM withdrawal fees, and in some cases a one-time fee for a physical card. Cashback rewards can offset some of these costs, but the net value depends on your spending patterns and which currency you're transacting in.
Do crypto cards come with a physical card?
Yes, almost all programs offer a physical card, usually for a small issuance or shipping fee. Most cards start with a virtual card that can be added to Apple Pay or Google Pay immediately.
What is the most popular crypto card?
By transaction volume, RedotPay, Gnosis Pay, and EtherFi are consistently among the most used crypto payment cards. Popularity shifts over time as new programs launch and existing ones grow. See our Overview page for the latest rankings by volume, transactions, and active users.