42 Best Crypto Cards in United States 2026

What to Know Before Using Crypto Cards in United States

Tax

Every Spend Is a Tax Event

The IRS treats crypto as property, meaning every time you buy a coffee or pay a bill with crypto, you are technically 'selling' that asset and may owe capital gains tax.

Regulation

New 1099-DA Reporting Forms

Starting with 2025 transactions, crypto platforms must send official tax forms to the IRS and users, making your spending activity much more visible to tax authorities.

Tax

No Small Purchase Tax Exemption

Unlike some other countries, the US has no 'de minimis' rule; you must track and report gains even on tiny transactions like a $5 snack.

Tax

Holding Period Dictates Tax Rate

Spending crypto you have held for over a year qualifies for lower long-term capital gains rates (0-20%), while short-term holdings are taxed at your higher standard income rate.

Banking

Frequent Card Purchase Declines

Many US banks still automatically block debit or credit card transactions used to fund crypto accounts due to high fraud risk, often forcing users to use slower ACH transfers instead.

Restriction

The $3,000 Travel Rule Trigger

Moving more than $3,000 in crypto typically triggers mandatory information sharing between institutions, which can lead to manual reviews or delays in your funds appearing.

Common Questions About Crypto Cards in United States

1 Do I really have to report a $5 coffee purchase on my taxes?

Yes. In the US, there is currently no minimum threshold for crypto spending. Every time you use crypto to buy something, you have to calculate if the crypto was worth more when you spent it than when you bought it, and report that difference to the IRS.

2 Why does my US bank keep blocking my crypto card top-ups?

Many major US banks view crypto purchases as high-risk for fraud or chargebacks. If your card is declined, you will likely need to link your bank account via ACH or send a wire transfer, which are more widely accepted but can take a few days to clear.

3 Is spending a stablecoin like USDC tax-free?

Technically no, but it is simpler. While stablecoins are still 'property' in the eyes of the IRS, because their value stays at $1, you usually won't have a profit or loss to pay tax on. However, you are still expected to keep records of these transactions for your tax filings.

4 What is this 1099-DA form I keep hearing about?

It is a new tax form that crypto brokers and card issuers must send out starting in early 2026. It lists your transaction history for the previous year, meaning the IRS will have a direct record of your crypto spending activity, so accurate personal record-keeping is now essential.

5 Can I use my crypto card to withdraw cash at an ATM?

Most US crypto cards allow ATM withdrawals, but they are often treated as a 'cash-like' transaction. This can trigger stricter identity checks, lower daily limits than standard bank cards, and immediate tax consequences because the IRS views the withdrawal as selling your crypto for cash.

Country-specific information last researched on February 13, 2026 . Regulations and policies can change — always verify with your card provider and local tax authority.

Top-Rated Cards in United States

Top-Rated Card Details

Ether.Fi Cash Card

4.6⭐

Ether.fi Cash is a non-custodial Visa credit card for DeFi users seeking spending power without selling crypto.

PAYY Card

4⭐

PAYY Card is a crypto-enabled Visa credit card that lets users spend stablecoins (USDC) directly at merchants while maintaining privacy through zero-knowledge proofs on the Payy Network blockchain. The self-custodial model gives users full control of their funds via the PAYY Wallet app.

Crypto.com Card

3.8⭐

The Crypto.com Visa Card is a prepaid debit card that connects cryptocurrency assets to everyday purchases.

Gemini Credit Card

3.8⭐

The Gemini Mastercard is a credit card that earns cryptocurrency rewards on eligible purchases, automatically depositing them into your Gemini exchange account (custodial). The card works as a standard Mastercard credit card but connects everyday spending to passive accumulation of digital assets.

Rizon Card

3.8⭐

Rizon Card is a non-custodial, stablecoin-backed Visa debit card for spending USDC or USDT directly from your own wallet. It converts stablecoins to local currency at purchase, with no custodial deposits or manual off-ramping.