Finder Crypto Debit and Crypto Credit Card Awards 2022
The Finder Crypto Debit Cards and Crypto Credit Cards Awards recognize crypto card products that offer the best value for consumers and have continued to thrive despite a tumultuous 2022 crypto market.
Finder’s banking and credit card experts reviewed more than 20 crypto card products on the market, rating each one based on over 10 criteria associated with debit cards, credit cards and cryptocurrency.
Products that rated highest in a given category earned the winning placement for our awards, with those coming close landing our “highly commended” picks.
Here are our inaugural winners for 2022.
Best Crypto Debit Card: Juno
Juno offers a great combination of flexible rewards, a strong APY and minimal fees, creating an all-around package that makes it a great choice for just about anyone interested in a crypto debit card. Achieving the card’s premium tier for rewards is as simple as setting up $250 a month in direct deposits, and you can choose to earn some or all of your paycheck in the form of crypto.
The BlockFi Bitcoin Rewards Credit Card was among the first crypto credit cards on the market and remains the best example of what a well-rounded and useful crypto credit card looks like. It offers up to a $100 signup bonus in crypto and several perks associated with holding and trading crypto — features that competitors have been unable or unwilling to replicate. Spend $30,000 on your card in a year, and BlockFi boosts your rewards rate from 1.5% to 2% on all eligible purchases.
Finder Awards 2022 methodology: Crypto debit cards
Our editorial experts analyzed 22 crypto debit cards available to US residents as of August 2022. We excluded the Voyager Debit Card after the company filed for bankruptcy in July 2022.
We evaluated each crypto debit card based on six metrics:
Cashback rewards. We considered whether the card offers cashback rewards in fiat or cryptocurrency
Supported cryptocurrencies. We looked at the number of cryptocurrencies the card supports.
Deposit methods. We considered the number of deposit methods available.
ATM transaction fee. We looked at how much cardholders pay to use an ATM.
Interest. We considered whether the crypto debit card earns yields on deposits and looked at the first tiered APY for comparison.
Editor’s rating. Frank Corva, crypto and digital assets writer at Finder, assessed and rated all crypto debit cards based on the above features.
We weighted the Overall Award metrics as shown, using the total of all weighted scores for the winner and two finalists:
Metrics
Weight
Interest (Tier 1 APY)
30%
Cashback
20%
Editor’s rating
20%
Supported cryptocurrencies
10%
Deposit methods
10%
ATM transaction fee
10%
Our overall winner is the crypto debit card with the highest total score across each of the six metrics.
Crypto credit cards methodology
Our editorial experts analyzed seven crypto credit cards available to US residents as of August 2022.
We evaluated each crypto credit card based on nine metrics:
Interest-free period. We considered the length of time new cardholders aren’t charged interest.
Maximum APR. We looked at the maximum rate of interest charged on purchases.
Minimum APY. We looked at the minimum rate of interest charged on purchases.
Bonus signup. We assessed the bonus period and one-time reward for signing up.
Max rewards value. We considered the maximum value of each reward available.
Rewards value per dollar. We assessed the monetary value of the card’s rewards.
Reward type. We considered the type of reward earned with the card — for example, cash back or crypto tokens.
Balance transfer fee. We assessed how much cardholders pay for transferring debt from another credit card or borrowing product.
Rewards currency. We looked at the specific currency the rewards are earned in.
We weighted the Overall Award metrics as shown, using the total of all weighted scores for the winner and two finalists:
Metric
Weight
Bonus signup
32%
Reward value per dollar
30%
Maximum APR
20%
Minimum APR
10%
Minimum APR
10%
Interest free period
2%
Max rewards value
2%
Reward type
2%
Balance transfer fee
2%
Rewards currency
2%
The overall winner is the crypto credit card with the highest total score across each of the nine metrics.
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.
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finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
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