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Advisor
Credit Cards
Best Crypto Rewards Cards

Advertiser Disclosure Updated: Apr 25, 2024, 2:19pm

Best Crypto Rewards Cards Of April 2024

Q: Can you buy crypto with a credit card?

It is possible to buy cryptocurrency with a credit card , however, you will likely incur a fee. Additionally, not all card issuers will allow you to use your credit card to purchase crypto. If it is allowed, there is a possibility that the transaction will be treated as a cash advance, subjecting you to higher interest rates and additional fees.

Toni Perkins-SouthamLead Editor

Toni is a points and miles enthusiast who has been leveraging loyalty programs to travel around the world (for nearly free) with her husband and their four young children. She’s passionate about sharing travel tips so that others can not only feel inspired but also confident in planning their own travel.

Toni Perkins-Southam

Toni Perkins-SouthamLead Editor

Lead Editor

Dylan PearlDeputy Editor

Over a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mission to see as much of the world as possible, and strives to give everyone the tools to get out and do the same with simple, actionable information.

Fact Checked

Dylan Pearl

Dylan PearlDeputy Editor

Deputy Editor

Fact Checked

Updated: Apr 25, 2024, 2:19pm

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

Unless you have been living under a rock—and we wouldn’t blame you for doing so—you know about cryptocurrencies, and that these currencies are volatile, to say the least. Fortunately, there are ways to get into crypto at a relatively low level of risk—crypto rewards credit and debit cards. With many of these cards, you never even have to buy a single cryptocoin. Instead, you earn them in the form of rewards like you would with a traditional card.

It’s important to remember, however, that cryptocurrencies and the markets surrounding them are largely unregulated and can represent a greater risk than a traditional credit card. Never put more into crypto, or any other investment, than you can afford to lose.

Show Summary

Best Crypto Rewards Cards

Brex Card *: Best Crypto Rewards Card for Businesses
Venmo Credit Card *: Best Crypto Rewards Credit Card for Diverse Rewards
The Gemini Credit Card® *: Best Crypto Credit Card with Category Bonuses
Fold Visa Prepaid Card *: Best Crypto Rewards Debit Card for Maximizing Rewards
Crypto.com Visa Card *: Best Crypto Rewards Debit Card With a Staking Requirement
Coinbase Card *: Best Debit Card for Spending Your Own Crypto

Find the Best Credit Card

Best Crypto Rewards Credit Cards

Best Crypto Rewards Card for Businesses

Brex Card *

Up to 7X Reward Rate

Get higher limits than traditional business credit cards while earning rewards and cash back on everything you spend, like 7xRead More

Welcome Bonus

N/A

Annual Fee

Regular APR

N/A

Credit Score

No Credit Check

Editor's Take

Unlike most business credit cards, this corporate card doesn’t require a personal guarantee.

Pros & Cons

Generous rewards on certain spending categories
No personal guarantee required

Can’t carry a balance

Card Details

Earn rewards and cash back on rideshare and recurring software
Access to exclusive events and software discounts
No credit check, account fees and no interest
Auto-generated receipts and built-in controls for tracking and reporting
Integrations with NetSuite, QuickBooks, Workday, WhatsApp and more
24/7 customer support and fraud monitoring and protection

Best Crypto Rewards Credit Card for Diverse Rewards

Venmo Credit Card *

Up to 3X Reward Rate

Earn up to 3% cash back per dollar spent on your top spend category; Earn 2% cash back on theRead More

Welcome Bonus

N/A

Annual Fee

Regular APR

20.49% - 29.49% variable

Credit Score

Good/Excellent (700 - 749)

Editor's Take

If you’re already part of the Venmo ecosystem and want to redeem rewards for crypto, there are no fees for automatic purchases of bitcoin, ethereum, litecoin or bitcoin cash. Plus, the card has no annual fees or foreign transaction fees for your shopping.

Pros & Cons

No annual fee
No foreign transaction fees
Earn bonus cash back in your top spend categories
Cash-back rewards may be automatically redeemed for cryptocurrency (terms apply)

No low introductory APR period
A Venmo account in good standing that’s been open for at least thirty calendar days prior to application is required to apply
Rewards must be transferred to your Venmo account to cash out

Card Details

No annual fee
Automatically earn up to 3% cash back on your top spend category
Earn 2% on the next category
Earn 1% on the rest of your purchases
The Venmo Credit Card lets you earn custom cashback rewards and syncs seamlessly with the Venmo app
Keep tabs on card activity in the app, right with all your Venmo spending – every purchase, payment, split, and reward

Best Crypto Credit Card with Category Bonuses

The Gemini Credit Card® *

Up to 4X Reward Rate

Earn 4% cash back per dollar spent on gas and EV charging purchases up to $200 in spend per monthRead More

Welcome Bonus

N/A

Annual Fee

Regular APR

18.24% - 31.24% Variable

Credit Score

Excellent/Good (700 - 749)

Editor's Take

If you want immediate access to crypto rewards, it’s hard to beat earning and redeeming in real time. All the better to load up your favorite crypto when there’s a bit of a dip.

Pros & Cons

Earn 4% cash back per dollar spent on gas and EV charging purchases up to $200 in spend per month on the first year, 1% thereafter, 3% cash back on dining, 2% cash back on groceries and 1% on all other purchases
Earn rewards in bitcoin or any crypto on Gemini and receive rewards in real time for qualifying transactions
No exchange fees to acquire your crypto rewards
Manage and freeze your card from the app
No annual fee

No welcome bonus
No intro APR
Few benefits

Card Details

Earn 4% cash back on gas and EV charging purchases up to $200 in spend per month on the first year, 1% thereafter
Earn 3% cash back on dining and 2% cash back on groceries
All other purchases earn 1% cash back per dollar spent
No annual fee
Earn crypto rewards with every purchase
Crypto rewards earned are automatically and instantly deposited into your Gemini account

Crypto Debit Cards

Best Crypto Rewards Debit Card for Maximizing Rewards

Fold Visa Prepaid Card *

Welcome Bonus

N/A

Annual Fee

$0 for basic Spin membership and $100 for Spin+ membership

Regular APR

This card does not have an APR

Credit Score

See Terms

Editor's Take

Earn unlimited bitcoin rewards without the commitment of a credit card. There are no fees to buy, and you can boost your rewards at your favorite brands and with every $10 spent.

Pros & Cons

Earn bitcoin on all spending
Bonus rewards boost at some merchants
Ability to earn more prizes the more you spend

Rewards are randomized and gamified
You’ll pay an activation fee or annual fee, depending which version you choose
Only available in the U.S.

Card Details

There are fees involved, which vary depending on which version you choose
Rewards are randomized—you don’t earn a flat rate
You’ll earn at least 1% bitcoin back, with chances to earn more
Card earns sats, short for satoshis, a denomination of bitcoin
Can spend anywhere Visa cards are accepted

Best Crypto Rewards Debit Card With a Staking Requirement

Crypto.com Visa Card *

Up to 5% Reward Rate

Get up to 5% back on spending

Welcome Bonus

N/A

Annual Fee

See Terms

Regular APR

N/A

Credit Score

See Terms

Editor's Take

Choose your level of rewards and perks, while accessing a variety of cryptocurrencies. There’s a lot to dig into, so suffice it to say that if you’re serious about your crypto, this card is definitely worth a look.

Pros & Cons

No annual fee
No credit pull required
Waived ATM fees up to a certain amount
Short lead times––instantly access and process funds
Generous cashback spending offers

Long list of merchant codes excluded from earning rewards
Extremely high staking requirements for most of their card tiers.
Low monthly ATM limits on lower tier cards

Card Details

No annual fees
Get up to 5% back on spending

Best Debit Card for Spending Your Own Crypto

Coinbase Card *

Welcome Bonus

N/A

Annual Fee

Regular APR

N/A

Credit Score

See Terms

Editor's Take

Coinbase is an ideal place for beginners to get into crypto, and likewise, this card is user-friendly with straightforward perks. Earn crypto on every purchase and spend wherever Visa is accepted. You need a Coinbase account, but there’s no annual fee or credit check required.

Pros & Cons

$0 annual fee
Earn crypto back on every purchase
Used everywhere Visa is accepted
No credit check required

Cryptocurrency is notoriously volatile
Monthly spending limits that put a cap on rewards earnings
No bonus categories for spending
Must have a Coinbase account to qualify

Card Details

Earn crypto rewards with every purchase
No transaction fees
$0 annual fee

Summary of the Best Crypto Rewards Cards

Credit Card

Brex Card

Venmo Credit Card

The Gemini Credit Card®

Fold Visa Prepaid Card

Crypto.com Visa Card

Coinbase Card

Credit Card

Best For

Credit Score

Annual Fee

Welcome Bonus

Brex Card

Best Crypto Rewards Card for Businesses

No Credit Check

N/A

Venmo Credit Card

Best Crypto Rewards Credit Card for Diverse Rewards

Good/Excellent

N/A

The Gemini Credit Card®

Best Crypto Credit Card with Category Bonuses

Excellent/Good

N/A

Fold Visa Prepaid Card

Best Crypto Rewards Debit Card for Maximizing Rewards

See Terms

$0 for basic Spin membership and $100 for Spin+ membership

N/A

Crypto.com Visa Card

Best Crypto Rewards Debit Card With a Staking Requirement

See Terms

N/A

Coinbase Card

Best Debit Card for Spending Your Own Crypto

See Terms

N/A

Best Crypto Rewards Cards

The Brex Card* is designed for well-funded startups, and as such, is not the easiest card to get approved for. It offers generous points earnings across a range of categories, with the highest designed for the sort of expenses a startup might have. Brex customers who make monthly payments on the card can earn rewards at the following rates:

Rewards: Earn 7 points per dollar on rideshare, 4 points per dollar on travel booked through Brex Travel, 3 points per dollar on restaurants, 2 points per dollar on recurring software and 1 point per dollar on everything else.

Welcome offer: Earn This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: While the Brex Card* is not technically a crypto card, Brex rewards points can be redeemed for bitcoin or ethereum at a rate of $7 worth of crypto per 1,000 points. Purchasing cryptocurrency with your Brex rewards will incur a network fee. Aside from the ability to convert your Brex points to crypto, the card offers exclusive savings and discounts for various business-related services like subscriptions to Slack, cash back at Apple, discounts on shipments with UPS and more.

It can also be a challenge to get approved for the Brex Card*, as Brex determines eligibility based on the cash a business has raised. Startups typically require a $50,000 minimum cash balance or must have received $100,000 in angel funding in order to get approved for this card. As a result, this card may be the best crypto credit card only for those eligible to get their hands on it.

The volatility of cryptocurrencies can make even the most faithful crypto enthusiast queasy. One way to offset the crypto-related urge to purge? Diversify. The Venmo Credit Card* offers variability by allowing you to choose between earning cash back or crypto and you can change it anytime you want.

Rewards: Earn 3% cash back per dollar spent in your eligible top spend category, 2% cash back on the next category and 1% cash back on all other purchases.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: Categories that earn 3% back are well-rounded and include: transportation, travel, grocery, entertainment, dining and nightlife, bills and utilities, health and beauty, gas and other. Cardholders can opt to earn crypto back by selecting Venmo’s Cash Back to Crypto feature. There are five cryptocurrencies to choose from: Bitcoin, Ethereum, Litecoin,Bitcoin Cash and PayPal’s stablecoin PayPal USD. Earning crypto is free but selling fees will apply.

The Gemini Credit Card®* offers cardholders the ability to earn 3% back on dining (on up to $6,000 in annual spending; then 1%), 2% back on groceries and 1% back on all other purchases. While there are better cards on the market for rewards on grocery spend, if you want to build up your crypto accounts without having to take any extra steps this could be a convenient option.

Rewards: Earn 4% cash back per dollar spent on gas and EV charging purchases up to $200 in spend per month on the first year, 1% thereafter, 3% cash back on dining, 2% cash back on groceries and 1% on all other purchases.

Welcome offer: 4% cash back per dollar spent on gas and EV charging purchases up to $200 in spend per month on the first year of account opening, 1% thereafter.

Annual fee: $0

Other benefits and drawbacks: Gemini’s card earns crypto rewards back in real time. You can choose to earn rewards in bitcoin, ether or 40-plus other cryptocurrencies and you may switch up your earnings as often as you want. While earning rewards is free, converting or selling them will incur fees imposed by the platform.

The Fold Visa Prepaid Card* is perfect for beginners with a low-risk tolerance because you don’t need to have any crypto in order to use it. However, you can earn bitcoin, in the form of satoshis (SATS)—the smallest unit of Bitcoin worth 0.00000001 BTC—on every purchase.

Fold gamifies earning crypto rewards. For every $10 spent, cardholders earn one Spin on Fold’s rewards wheel. Spins expire within one day after being earned, and cardholders can win some amount of SATS (up to a full bitcoin) when spinning.

Fold also offers a Spin+ membership for either $10 per month of $100 per year. With this membership, cardholders earn flat-rate rewards. These rewards include a base 0.5% back on all purchases and 1.5% to 5% back on purchases in rotating categories and with select merchants. With a Spin+ membership, Spins expire seven days after being earned, rather than expiring in a single day.

Rewards: Earn up to 100% back in bitcoin or other prizes on every purchase.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0 for basic Spin membership and $100 for Spin+ membership

Other benefits and drawbacks: Because the Fold Visa Prepaid Card* is a debit card, you are required to fund it with your own money. While Fold won’t hurt your credit score, it also won’t help it either. Money can be pulled from any eligible U.S.-issued bank account, Apple Cash, Venmo or PayPal. However, you cannot load your card with cryptocurrencies, so if you are looking for a way to spend your crypto this is not the card. Aside from earning potentially big crypto rewards, the card offers no additional benefits or protections.

Some of the most rewarding crypto-earning cards also come with hefty staking requirements. There are, however, a few middle-ground options that provide decent rewards for a reasonable stake. The Crypto.com Visa Card* Royal Indigo or Jade Green is one, especially when compared to its Obsidian counterpart which requires a $400,000 stake. Crypto.com Visa cardholders of the Royal Indigo or Jade Green card are required to stake $4,000.

Rewards: Earn 5% - 1% back on spending.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: See Terms

Other benefits and drawbacks: The Crypto.com Visa caps earnings at $50 per month, so if you’re a big spender, you may want to convert your spend to another card after you’ve maxed out the rewards potential for the month. You’ll also receive a Spotify ($13.99/month) and Netflix ($13.99/month) reimbursement for the first six months of card membership.

The Coinbase Card* makes it simple for crypto holders to spend their digital assets on everyday purchases. Cardholders can opt to fund their card with either crypto in their Coinbase account or fiat currency while earning crypto rewards back on eligible purchases.

Rewards: Earn crypto rewards with earning rates on a rotating schedule. Check the Coinbase app for the latest rewards available.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: Cardholders earn rewards in the form of cryptocurrency tokens with purchases made using their card. Rewards earned do not expire, but reward offers do, meaning a cardholder must keep track of expiration dates and log into their Coinbase account to routinely select what reward they wish to earn. If a new reward is not selected, Coinbase will select one for you. Although this feature will not prohibit you from earning rewards, it is an aspect of this card you must keep track of.

Methodology

Forbes compared dozens of options to find and rank the best Crypto rewards cards. Factors considered include:

Annual fees
Staking requirements
Credit limits
Introductory APR offers on purchases and/or balance transfers
Welcome bonuses

Forbes Advisor rates cards both as stand-alone products (the card rating on the review) and compared to others in a specific use case. Sometimes, cards with average stand-alone ratings may still rank highly on a particular list according to how a person looking for a card in that category may value certain card features.

Forbes Advisor uses data from multiple government agencies to determine how much a typical cardholder might spend. We use the same numbers for cards in the same category to make sure we are comparing cards the same way. The bonus categories for spending included with each card are factored into our determination of how many rewards a cardholder could expect to earn if they use the card as a consumer normally would.

What Are Crypto Reward Cards?

A crypto rewards card is a payment product, like a debit or credit card, that offers incentives in the form of cryptocurrency rewards. Cardholders will earn a certain percentage back in the form of cryptocurrencies like bitcoin or ethereum instead of traditional cash back, points or miles.

Should You Get a Crypto Rewards Card?

While the idea of earning 3%, 4% or even more in crypto rewards can seem enticing, remember that when it comes to crypto you will be charged significant fees if you ever want to cash out your crypto for fiat currency. So, unless you are planning to hold onto your crypto rewards you may be better off with a cash-back rewards card. Additionally, you can also use the cash back earned from traditional rewards cards to purchase crypto while maintaining the ability to use that cash towards investing or whatever your needs be.

If you are looking for a rewarding way to access your own crypto funds for spending, a crypto rewards debit card could be the answer. Make sure to watch out for hidden transaction fees, look at trade fees and compare rates across multiple exchanges to ensure you are getting the best deal and not actually losing money each time you swipe.

Find the Best Rewards Credit Cards of 2024

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How To Redeem Crypto Rewards

How you redeem your crypto rewards will depend on your specific card and its features. For example some cards allow you to select your preferred crypto and automatically deposit that into your crypto wallet. From there, you need to decide if you would like to keep your funds in that wallet, sell, trade, etc. Other cards, like the Brex Card*, involve earning rewards which can then be used to buy cryptocurrency.

How To Pick a Card That Gives Crypto Rewards

Picking a crypto rewards card will vary depending on your needs, but there are a few guidelines that everyone can consider. First, make sure the card you are interested in supports your preferred cryptocurrency. Next, you’ll want to analyze the card’s rewards structure: What percentage back will you earn? Are there any bonus categories? Are there limitations on the amount of rewards you can earn and do all of these align with your financial goals? And finally, look at the fees and see if after those costs, the rewards are still worth it.

Pro Tip

Prioritize crypto rewards cards that offer a variety of redemptions to keep your funds safe from market swings.

Are Crypto Rewards Credit Cards Worth It?

Crypto is extremely volatile and as such, presents a large potential upside in terms of return on investment. However, this volatility presents just as much opportunity for significant losses. Not to mention, the crypto market is filled with scams. If you have some disposable income, throwing a little bit into crypto might be alright. But unless you are extremely educated in these markets, and the technology surrounding them, you are taking an outsized financial risk which we would not recommend.

Frequently Asked Questions (FAQs)

What is the difference between a crypto rewards credit card and crypto rewards debit card?

Both crypto rewards credit and debit cards are just like any other open-loop system. They utilize payment networks like Visa, Mastercard and American Express and are accepted anywhere those processors are accepted. While there are a lot of small differences between the two, there is one significant characteristic that sets them apart: Crypto credit cards access borrowed funds through a line of credit and are limited by the amount of credit the bank will extend to you. Your credit score will be pulled and your eligibility will be based on your credit worthiness.

With crypto debit cards, you fund the card with your own assets. No hard credit pull is performed, which is a positive for those not wanting to impact their credit. But, on that same note, these cards will not help build your credit.

What is the best crypto rewards card?

A crypto rewards card that is best for one person may not be best for another. If you are looking to dabble in crypto for little-to-no risk, then a crypto rewards card like the Fold Visa Prepaid Card* could be an excellent starting point. For those who are already invested in crypto and need a way to access and spend their funds, a crypto debit card like the Coinbase Card* would be a useful option.

Are crypto credit and debit cards safe?

The short answer is yes, but not necessarily as safe as a traditional credit card. Crypto cards issued by large credit providers such as Visa or Mastercard will offer some degree of protections afforded to all their cards. But if your rewards are generated in the form of a platform’s proprietary token, there are risks to consider.

Crypto markets are notoriously volatile and unregulated, meaning rewards on these cards represent a greater risk than other types of rewards currencies. Catastrophic fluctuations in value or worse, the sudden dissolution of the platform on which you trade, is always a possibility when dealing in crypto, especially with smaller startup coins. Of course, this volatility means an increased upside and potential for gains, but understand that this comes with significantly increased risk.

Can you buy crypto with a credit card?

It is possible to buy cryptocurrency with a credit card, however, you will likely incur a fee. Additionally, not all card issuers will allow you to use your credit card to purchase crypto. If it is allowed, there is a possibility that the transaction will be treated as a cash advance, subjecting you to higher interest rates and additional fees.

How do you get crypto rewards?

Earning crypto rewards is as easy as using a card, like the options mentioned in this article, that offers crypto rewards back as spending incentives. How much you can earn will depend on the card’s terms and conditions.

Next Up in Credit Cards

*The information for the following card(s) has been collected independently by Forbes Advisor: Brex Card, Venmo Credit Card, The Gemini Credit Card®, Fold Visa Prepaid Card, Crypto.com Visa Card, Coinbase Card. The card details on this page have not been reviewed or provided by the card issuer.

Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.

Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.

Toni Perkins-Southam

Lead Editor

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