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Compare crypto credit cards 2024

Here's a primer on all crypto credit cards on the market and how they work.

Compare crypto credit cards

Want to compare crypto credit cards? Use our filter to select up to four cards to start reviewing your choices side-by-side.

1 - 2 of 2
Name Product Welcome Offer Rewards Annual fee Filter values
Venmo Credit Card
Venmo Credit Card
Up to 3% cash back
A cashback credit card that lets you auto-purchase the crypto of your choice from your Venmo account.
Brex Card
Brex Card
$300 after spending $3,500, or $500 after spending $9,000 on your Brex card within the first 30 days
Up to 8x points
Redeem your earned points toward Bitcoin and Ethereum. This business credit card doesn't require a personal guarantee.

We compare the following brands

Disclaimer: This page is not financial advice or an endorsement of digital assets, providers or services. Digital assets are volatile and risky, and past performance is no guarantee of future results. Potential regulations or policies can affect their availability and services provided. Talk with a financial professional before making a decision. Finder or the author may own cryptocurrency discussed on this page.

How do crypto credit cards work?

Crypto credit cards are similar to traditional rewards credit cards — you swipe your card for purchases and you earn rewards. But the rewards you earn, in this case, come in the form of an eligible cryptocurrency.

Crypto credit cards have a few other details that separate them from traditional cashback or rewards cards.

  • Cards require a crypto investment account or a crypto wallet. The platform you use will differ by crypto card. For example, you must open a BlockFi wallet account to earn crypto with the BlockFi Bitcoin Rewards Credit Card.
  • You may be able to choose your desired cryptocurrency. For crypto credit cards that earn multiple types of cryptocurrency, you may need to select your desired currency through your account prior to making purchases.
  • You may have to wait for rewards to post. While most crypto credit cards capture the market crypto value at the time of purchase, you may have to wait for those rewards to post to your account.
  • Reward value can change over time. While a crypto card captures and delivers a specific amount or percentage of crypto to your investment account, its value is subject to the whims of the market from there — a big departure from traditional reward credit cards, which tend to offer a fixed rewards rate per point.

4 essentials when you compare crypto credit cards

Since crypto credit cards are so new and there are only a few on the market, the best way to compare them is going to come down to a few factors.

  • Supported cryptocurrencies. Some crypto credit cards can only support a few types of cryptocurrencies, while others can earn over 60. Whether a card supports your cryptocurrency of choice will play the largest role in your choice in today’s market.
  • Earning rates and earning categories. The higher the earning rate on an eligible purchase, the better. Some crypto credit cards are also offering category rewards, which can prove potentially lucrative if you often spend in those categories.
  • Additional features. Most crypto credit cards to hit the market are fairly light on extra features compared to the cashback or travel cards you’ll find on the market. If a crypto card does offer extra features related to crypto, that’s a rarity and worth giving a closer look.
  • Rates and fees. Finally, a crypto card’s rates and fees are important to consider. Since you aren’t guaranteed to “wipe out” these fees with guaranteed value like you can with cashback and rewards cards, extraneous fees can sting more than usual on a crypto credit card.

Are crypto credit cards worth it?

Crypto credit cards are best used by those already invested in cryptocurrency and comfortable with all of the risks that entails. If that’s you, a crypto credit card can help you add to your portfolio and diversify with minimal effort.

Get a crypto credit card if:

  • You’re already invested in cryptocurrency and want more ways to diversify your holdings.
  • You want a way of earning cryptocurrency without purchasing it directly or mining it.
  • You’re interested in investing your credit card rewards rather than redeeming them for cash back or on travel.

Don’t get a crypto credit card if:

  • You’re risk-averse or not willing to lose value on your earnings.
  • You want a credit card with a variety of extra perks and features.
  • You plan on spending your rewards as soon as you earn them.
  • You want a card that makes it easy to manage your rewards.

Ask the experts

Should you choose a crypto rewards credit card over a general rewards credit card?

We reached out to a financial expert to get his thoughts and insight on whether consumers should make the jump to crypto credit cards.

Morshed Alam
  • Morshed Alam
  • Founder and editor at Savvy Programmer
Bram Jansen
  • Bram Jansen
  • Chief Editor of vpnAlert
Zachary Greene
  • Zachary Greene
  • Crypto Expert Greenery Financial
Stefan Ateljevic
  • Stefan Ateljevic
  • Cryptopreneur and Founder of
Levi Borba
  • Levi Borba
  • CEO of The Expatriate Consultancy

Crypto credit card fees

Unless stated otherwise, you can expect many of the same fees on a crypto credit card that you would find on a traditional credit card. On top of these fees, crypto credit cards may also feature additional fees to watch out for depending on what you’re doing with your earned cryptocurrency. Most of these fees have more to do with the handling of crypto itself rather than the crypto credit card.

  • Capital gains tax events. A major difference between traditional credit card rewards and crypto credit card rewards is the possibility of a capital gains taxable event. In short, if you “cash out” on the crypto earnings you made through crypto card spending, you may have to pay taxes on any value gain, similar to taxes placed on stocks. This is in stark contrast to credit card rewards which are treated as discounts and not taxed as a result. You can check out a full list of taxable events at our full crypto tax guide.
  • Deposit fees. Some crypto platforms charge a percentage fee when you deposit funds into your account. Though it’s unlikely your crypto rewards earned through card spending will incur this fee, any funds added to your account that don’t stem from your credit card may incur a fee.
  • Trading fees. Whenever you buy or sell a cryptocurrency through a crypto exchange, your transaction is typically subject to trading fees. If you’re just using your crypto credit card to earn crypto for your crypto wallet, you won’t have to worry about buying fees. But should you ever sell the crypto you’ve accrued with your card, you should prepare to pay a fee on that sale.
  • Withdrawal fees. If your crypto credit card earns crypto to an associated exchange and you want to move that money to your own personal secure crypto wallet, you may need to pay a withdrawal fee.

For more on potential crypto credit card fees, check out our crypto exchange fee guide.

Complete list of available crypto credit cards

Here’s a quick list of all of the available crypto credit cards on the market and what cryptocurrency or platform they support.

  • SoFi Credit Card. A flexible card that earns 2% back on all purchases when redeemed into an eligible SoFi account. Can earn all supported SoFi cryptocurrencies.
  • Brex 30. A business rewards card that recently added the ability to redeem on crypto. Can redeem on Bitcoin and Ethereum.
  • Venmo Credit Card. A category card that earns 3% back on your top spending category and 2% back on your highest category each month. Can now redeem on Bitcoin, Ethereum, Litecoin and Bitcoin Cash.

Crypto credit cards not yet available

These crypto credit cards are announced but are either on waitlist or their release date hasn’t been listed.

  • Celsius Credit Card. Not much is known yet about this card. It is slated to earn rewards on purchases as well as rewards on your crypto collateral.
  • Gemini Credit Card. The Gemini Credit Card is a promising category rewards card that claims you can earn 3% back on dining and 2% back on groceries. You can sign up for the waitlist at the Gemini website.
  • Salt Credit Card. Like the Celsius Card, not much is known about the Salt card.

The future of crypto credit cards

Should cryptocurrency continue to become more mainstream, card providers will likely grow and improve their crypto offerings. Case in point: SoFi tells Finder it plans on continuing to develop new products and supporting its existing product into the future. “Currently, you can redeem your credit card rewards into Bitcoin and Ethereum,” confirms a SoFi representative, “but we plan to expand the selection of coins that can have rewards redeemed into.”

Regardless of how the market pans out, you can count on Finder to stay on top of the latest crypto credit card developments. You can also check out our favorite crypto credit cards to pick one that best fits your needs.

Steven Dashiell's headshot
Senior writer

Steven Dashiell is an editor for Bankrate and and formally a personal finance writer at Finder, specializing in credit cards, banking and growing and protecting your income. His insights and expertise has been featured on Nasdaq, U.S. News & World Report, Time, CBS, ABC, Fox Business, Lifehacker and Martha Stewart Living, among other top media. Steve holds a BA in English from University of Maryland, Baltimore County, minoring in composition and rhetoric. In his spare time Steve nerds out on birds, paints and plays a whole lot of Street Fighter. See full bio

Steven's expertise
Steven has written 66 Finder guides across topics including:
  • Credit cards
  • Budgeting and saving
  • Rewards programs

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