Best credit cards with crypto rewards in 2025
Gemini Credit Card
EtherFi Cash Card
Avici Card
Top crypto credit cards
-
We reviewed the leading crypto credit cards to see which ones deliver the highest rewards with the lowest costs. Our analysis looks past the marketing headlines to calculate the real return once fees and caps are factored in.
-
Many cards advertise eye-catching reward rates, but the fine print often reduces their value. We identify which products consistently offer meaningful cashback without forcing you into complex tier systems or heavy token lockups.
-
Credit cards also carry the usual borrowing risks, so we weigh APRs, late fees and issuer safeguards alongside rewards. The result is a balanced view of which cards are actually worth using day-to-day.
- We avoid cards that have restrictions, such as a waitlist.
The List
The EtherFi Card offers up to 3% cashback with a non-custodial design, but works best for users comfortable managing crypto vaults.
The Gemini Credit Card offers up to 4% rewards with no annual fee or FX charges, but real rates often average closer to 1.5–2% depending on spending categories.
The Crypto.com Ruby Card offers 3.5% cashback, but fees or staking mean it pays off mainly for higher spenders.
A metal American Express card that offers bitcoin rewards for Coinbase One members, but its value depends heavily on assets held with Coinbase.
The Venmo Card offers up to 3% cashback with no caps, though most users will see closer to 1–2% based on their spending mix.
The Payy Card offers privacy-focused spending with a unique light-up design, but currently lacks rewards to make it financially competitive.
The Avici Card provides a simple way to spend crypto worldwide, but with no crypto rewards it mainly serves as a basic payments tool.
DeCard Luminaries blends crypto funding with premium Visa perks, but its steep annual fee and narrow eligibility limit its value outside a small executive niche.
How we score crypto credit cards
Our scores go beyond the headline cashback percentages. We assess how the card performs in real-world use, taking into account costs, risks, and usability.
-
Effective rewards, not marketing rates: We calculate what you actually earn once spending categories, caps, and spreads are applied. A card advertising “4% back” on gas but capped at $300 a month is rated against what users realistically receive across all categories.
-
Costs and fees: Annual fees, foreign exchange charges, cash advance costs, and late-payment penalties all reduce net returns. Cards with higher ongoing costs get marked down.
-
Token lockups and exposure risk: Some crypto credit cards require staking or holding native tokens to unlock headline rewards. Exposure to token price swings adds risk, which is reflected in the score.
-
Complexity vs simplicity: Complicated category systems or rotating rewards can make it hard to maximize benefits. Simpler, flat-rate structures score higher.
-
Security and issuer reputation: We assess the credit issuer’s safeguards, insurance, and how rewards are handled — especially important for custodial setups.
-
Usability: Application process, approval requirements (e.g., hard vs. soft credit checks), and geographic coverage all affect the score.
The result is a single score that balances rewards, costs, and usability — showing how valuable the card really is for a typical user, beyond the marketing headline.
Frequently Asked Questions
Disclaimer
The Block evaluates products and services based on merit and relevance to our readers, independent of compensation. However, we may receive compensation in the form of affiliate commissions when you click on certain links or when sponsored products and services are featured on our site. This compensation may influence how, where, and in what order products appear, but it does not affect our editorial integrity. Why trust us?
We aim to provide a broad view of crypto products and services, but we do not necessarily cover every option available in the market.
The Block does not offer financial, investment, tax, or brokerage advice. While we strive to provide accurate and up-to-date information to help readers make informed decisions, we do not provide personalized recommendations. Always verify product details (including rates, terms, and eligibility) directly with the provider before applying or signing up. Offers are subject to change and are presented without warranty. After clicking on an offer, you will be directed to the issuer’s website, where you can review the applicable terms and conditions.
Ownership Disclosure
Disclaimer: The Block is an independent media outlet that delivers news, research, and data. As of November 2023, Foresight Ventures is a majority investor of The Block. Foresight Ventures invests in other companies in the crypto space. Crypto exchange Bitget is an anchor LP for Foresight Ventures. The Block continues to operate independently to deliver objective, impactful, and timely information about the crypto industry. Here are our current financial disclosures.
