Crypto Credit Cards

Cash back has been a popular reward on traditional credit cards for years. However, crypto credit cards are bringing something new to the market, allowing you to earn cash back in the form of cryptocurrency. While the crypto winter saw several options disappear from the market, there are still a few available to earn crypto cash back as you swipe on everyday purchases.

Top crypto credit cards

Your options for crypto credit cards are limited, but we have curated the top crypto credit cards in the market.

• Fold Bitcoin Rewards
• Gemini
• Venmo
• Crypto.com

Fold Bitcoin Rewards

Fold is a financial services platform centered around bitcoin. You can buy bitcoin, get paid in bitcoin, manage your bitcoin savings and earn bitcoin cash back — all in one place. Even paying your mortgage and other credit cards through Fold can earn you some BTC.

While the Fold Bitcoin Rewards credit card isn’t out quite yet, you can join a waitlist and become eligible to win prizes valued at a combined $200,000.

A Fold+ membership gets you all the benefits of the Bitcoin Rewards credit card, plus zero-fee bitcoin buys and sells, ACH bill pay rewards and exclusive gift card rewards. Fold also offers a prepaid debit card where you can earn even more bitcoin cash back.

Features
The Fold Bitcoin Rewards credit card has slightly different rewards depending on your membership tier:

• Rewards. Fold+ members earn unlimited 2% cash back in bitcoin, while free members earn 1.5%.
• Signup bonuses. Fold+ members can earn up to $250 in signup bonuses, and members of the Fold free plan can earn up to $100.
• Metal card. Fold+ members receive a sturdy metal card. Free members can upgrade for a fee.
• Waitlist prizes. Join the waitlist and be automatically entered into a drawing to win up to 0.25 BTC. You can also compete to win up to $10,000 in statement credit.
• Low fees. The base membership is free, and the Fold+ membership is just $8.33 a month with no fees to buy and sell bitcoin.

Gemini

The Gemini credit card was launched in 2022 by Gemini, a popular regulated cryptocurrency exchange platform and custodian bank. The crypto credit card supports 50+ cryptocurrencies and allows you to select and change the crypto reward type.

Gemini cardholders get their rewards deposited in their Gemini exchange account in real time with the instant reward transfer feature. Plus, if you’re approved for the card by June 30, 2025, you can earn a $200 bonus in crypto by spending $3,000 on the card in your first ninety days.

Features
As a Gemini crypto credit card holder, features you should expect include:

• Rewards. 4% cash back on gas and EV charging, 3% cash back on dining, 2% cash back on groceries and 1% cash back on other purchases.
• Costs and fees. There are no annual fees, foreign transaction fees and exchange fees for receiving rewards.
• Mastercard benefits. Account monitoring for unauthorized purchases and identity theft.
• Authorized users. Add up to five family members to the card.
• Design. Available in black, rose gold and silver.
• Crypto cash back options. Supports 50+ cryptocurrencies with adjustable reward types.

Venmo

Venmo allows you to earn cash back from your spending, giving you rewards on bills and utilities. The credit card offers a flexible reward program where you can accept traditional cashback rewards or convert them into crypto. Your crypto options on Venmo include bitcoin (BTC), litecoin, ethereum (ETH) and bitcoin cash.

To acquire a Venmo credit card, you need to open and maintain a Venmo account for at least 30 days.
Rewards are transferred to your account at the end of the month, and you can auto-purchase the selected crypto without transaction fees.

Features
As a Venmo credit card holder, you should expect:

• Rewards. 3% cash back on your top spend, 2% cash back on your second place spend and 1% on all other eligible purchases.
• Costs and fees. No annual fees, no monthly reward limits, no additional cashback-to-crypto transaction fees.
• Crypto cashback options. Supports BTC, litecoin, ETH and bitcoin cash.
• Flexibility. “Cashback-to-crypto” auto-purchase option.
• Design. Unique scannable QR code print.
• Visa benefits. Touch-free shopping and worry-free security.

Crypto.com Visa Signature credit card

Crypto.com’s credit card features five tiers, each with its own rewards and other features based on the amount of CRO you have staked within the platform.

When you open a Crypto.com Visa Signature card, it automatically enrolls you into “Level Up,” which provides you with even more rewards. Enjoy bonuses of up to 3% on stocks, up to 7.5% on banking and up to 8% on prepaid card spending rewards. All cards come with a welcome bonus of at least $100 if you spend $1,500 in the first 90 days of account opening.

Features
Since Crypto.com’s Visa Signature cards are tiered, the rewards, fees and other features vary:

• Rewards. Start at 1.5% cash back and range up to 6.5% cash back for the first 12 months.
• Costs and fees. No annual fee. No staking required on the lowest tier card, and up to $500,000 staking required for the highest tier card.
• Crypto cashback options. Rewards are paid out as CRO, which can be exchanged for other cryptocurrencies, stocks and more.
• Flexibility. Rewards never expire
• Design. Six bold colors depending on the tier, including jade, obsidian and ruby.
• Visa Signature benefits. Travel perks, purchase protections and 24/7 concierge services.

Crypto credit cards to watch: coming soon

These upcoming cards promise competitive rewards, crypto integration and modern perks — but they’re not available just yet. Here’s what crypto credit cards are coming soon and whether you can join a waitlist.

Robinhood Gold Card

To be released this fall, Robinhood Gold members can earn cash back on everyday purchases and use those bonuses to purchase crypto automatically. For now, you can sign up for the waitlist and receive an exclusive invite when it launches.

Once the card is available, you can see if you qualify with no impact to your credit score — a hard credit check will only be performed to you accept the terms and follow-through with the offer.

Features
While the card is still yet to hit the market, it looks to have the following benefits:

• Rewards. Earn 3% cash back on all eligible purchases, no separate categories. Plus, earn 5% cash back when you book travel through the Robinhood Travel portal.
• Additional benefits. Enjoy trip interruption protection, Visa Signature concierge service, emergency assistance and more.
• Metal card. Authorized users may upgrade to a stainless steel card for a fee.
• Build your family’s credit. Add cardholders of any age to start building their credit early.
• Low fees. No annual fees or foreign transaction fees, though you must be a Robinhood Gold member, which costs $5 per month or $50 per year.

Discontinued crypto credit cards

Crypto credit cards have declined in the last few years because of the volatility of the cryptocurrency market, regulatory challenges and the collapse of major exchanges like FTX.

During the crypto winter of 2022, some crypto credit cards were discontinued, while other promised launches never made it to the market. We’ve listed the most notable discontinued crypto credit cards and why they are no longer available.

• BlockFi Reward Signature Visa Card was discontinued in 2022 after BlockFi filed for bankruptcy in the aftermath of the collapse of the FTX cryptocurrency exchange. The shutdown left customers unable to withdraw funds or use their cards for purchases, according to CNBC.⁽¹⁾
• Upgrade Bitcoin Reward Visa Card ceased operations in mid-2023 in the ripple effect the FTX bankruptcy caused in the crypto market, according to CNET.⁽²⁾

How do crypto credit cards work?

Crypto credit cards work like traditional credit cards, but users can earn crypto as a cashback reward.

Once you’ve chosen a crypto credit card and opened an account, you’ll earn crypto rewards for eligible purchases like groceries, gas or dining.

Crypto credit card companies have different reward payout methods and rates. Some offer accrued monthly rewards, like Venmo’s 3% back on the top monthly spend, while others are per transaction, like Gemini’s 3% back on gas.

How to choose crypto credit cards

Before choosing a crypto credit card, research and compare based on your priorities, spending habits and reward preferences. Consider the following:

• Available coins. Research which coins are available for rewards. Some crypto credit cards only support the most popular coins, like BTC and ETH.
• Reward percentage and payout. Crypto credit cards offer different reward rates and percentages. The payouts also differ from transactional reward earnings to per-month accrued earnings.
• Fees. Annual fees, interest charges and additional transactional fees can cost more than the rewards you’re earning. Consider a card with rewards that outstrip the fees.
• State availability. Make sure the card is available in your state before committing to a decision. For example, the Venmo crypto card is not available in Hawaii.
• Security. What happens to your crypto cash back if your card is lost or stolen or if the issuer fails, as FTX did?

Typical crypto credit card fees

Typical crypto credit card fees you should expect include:

• Annual fees. A yearly charge you pay the card issuer for having your card.
• Late payment fees. A fee charged every time you’re late to pay the credit card bill.
• Exchange fees. A charge to exchange your crypto to fiat.
• Interest fees. An annual percentage rate charged for not paying off the credit card balance in full.
• Returned payment fee. A penalty fee for a bounced payment.
• Cash advance fee. A charge for withdrawing cash from the card.
• Foreign transaction fees. A charge that applies to any international transactions.
• Card reissuing fee. A charge for replacing lost or destroyed cards.

Are crypto credit cards worth it?

It depends on your financial goals. A crypto credit card might be for you if you’d like to potentially increase your crypto holdings and you frequently make purchases in top-earning categories, like gas and dining.

However, crypto credit cards — like traditional credit cards — can affect your credit score depending on factors like your payment history and credit utilization. Plus, because cryptocurrency values can fluctuate so rapidly, the worth of your cashback rewards may increase or decrease at any time.

Bottom line

With a crypto credit card, you can earn cryptocurrency as a cashback reward and potentially increase your crypto holdings through everyday purchases. But like any crypto product, do your research and read the fine print before deciding if getting a crypto credit card matches your financial goals.

And if you’re new to crypto investing or want to explore different platforms, checking out the best crypto exchanges is a great place to start.

Frequently asked questions

Can I buy crypto with a credit card?

Some exchanges allow you to buy crypto with a credit card, like Binance, while others do not. However, just because the platform allows it doesn’t mean your credit card provider will — so make sure to check if they allow cryptocurrency purchases. Also, be aware of the risks involved and the potentially higher fees attached to credit card payments.

Which is the best crypto credit card?

The best crypto credit card depends on how your financial goals line up with what the card provides. For example, if you want the ability to add authorized users to your account, Gemini allows you to add up to five family members.

What is the spending limit on a crypto credit card?

The crypto card issuer determines the spending limit, and the total limit varies among providers. However, it typically ranges from $200 to $1000.