About Beginner-Friendly Cards
About Beginner-Friendly Cards
Cards with no or low fees, minimal staking requirements, and straightforward benefits ideal for crypto newcomers.
Beginner-friendly crypto cards are designed to be accessible for those new to cryptocurrency, with easy-to-understand rewards, minimal staking requirements, and straightforward applications.
If you're just getting started with crypto cards, these options provide a great entry point into the ecosystem.
Beginner-Friendly Cards offer several unique advantages compared to traditional payment cards:
Low Entry Barriers
Most beginner-friendly cards require minimal or no cryptocurrency staking, making them accessible to those just starting their crypto journey.
Simple Rewards Structure
Straightforward cashback percentages without complicated tiers or limitations, making it easy to understand what you're earning.
Educational Resources
Many providers of beginner cards offer educational content to help you learn about cryptocurrency while you use their card.
User-Friendly Apps
Intuitive mobile applications designed with beginners in mind, featuring clear interfaces and helpful guides.
When selecting a card from this category, consider which of these benefits align best with your goals and priorities.
How Cards Are Ranked
Cards in this category are ranked based on estimated monthly value using these assumptions:
The ranking considers calculated cashback minus fees based on the typical user profile above. It also factors in category-specific features and applies tier balancing to ensure a fair comparison.
Top Beginner-Friendly Cards
Ether.Fi
Core- Seasonal rewards
- Priority support
- Up to 65% off luxury hotels
- Referral rewards: 1% cashback on referral purchases + 10% points on their deposits
- Airport Companion lounge access
- Concierge service
- Family Member Cards with controls
Gnosis
Tier 1- No transaction, FX, gas, or off-ramping fees
- Includes IBAN bank account for European users
- Zero conversion fees when spending crypto worldwide
- Weekly GNO rewards delivered automatically to Safe wallet
- Physical card with optional ENS name personalization
Holyheld
Metal- 1% cashback in USDC on all purchases
- Smart contract insurance up to $50,000
- Personal Euro IBAN account for SEPA transfers
- No monthly maintenance fees
- Premium design
- 1,200+ cryptocurrencies supported across 14+ blockchain networks
- Non-custodial approach for crypto assets
Gemini
Standard- Up to 4% back on gas/EV charging
- 3% on dining
- 2% on groceries
- $200 welcome bonus in crypto after spending $3,000 in first 90 days
- No staking requirements
Wirex
Standard- 0.5% Cryptoback™ on card purchases (Entry tier)
- 1% Cryptoback™ on card purchases (Enhanced tier)
- Up to 1% annual on WXT balance
- Up to 12% interest on X-Accounts
- Free account with basic Cryptoback™ rewards
Nexo
Base Tier- 0.5% in NEXO tokens or 0.1% in Bitcoin cashback on Credit Mode purchases
- Free ATM withdrawals up to €200/month
- Free FX transactions up to €1,000/month
- Monthly rewards limit of €50
- Assets continue earning interest until spent (in Debit Mode)
- Real-time transaction notifications
- Ability to freeze/unfreeze card instantly through app
Swissquote
Light- 0.25% trading credit for regular payments
- 0.5% trading credit for crypto payments
- Free transactions in all currencies
- Support for 52 cryptocurrencies
- Support for 13 fiat currencies under a single IBAN
- Only converts necessary crypto amount for each transaction
Comparing Beginner-Friendly Cards
When comparing beginner-friendly crypto cards, focus on simplicity, educational resources, and low barriers to entry rather than maximizing advanced features or rewards.
Key Features to Compare
- Ease of account setup and activation process
- Quality of the educational resources provided
- Clarity of the app interface and transaction information
- Responsiveness of customer support for new users
- Simplicity of converting between cryptocurrencies and fiat
Comparison Tips
- Prioritize cards with strong educational components if you're new to crypto
- Look for cards with active community forums where you can ask questions
- Consider starting with a card that doesn't require staking
- Check if the card provider offers tutorial videos or guides
The best beginner-friendly card is one that grows with you as you learn, offering a path to more advanced features as your comfort with cryptocurrency increases.
Frequently Asked Questions about Beginner-Friendly Cards
Do I need to own cryptocurrency before getting a beginner-friendly crypto card?
How do I fund a beginner-friendly crypto card?
Are beginner-friendly crypto cards safe to use?
Do I need to understand blockchain technology to use these cards?
How does cashback work with beginner crypto cards?
Comparison Table
| Card | Cashback | Staking | Effective Return | Availability | Details |
|---|---|---|---|---|---|
| Ether.Fi Core | 2% | None | $10/mo (1.90%) | Global 182 countries | View Details |
| Gnosis Tier 1 | 1% | 0.1 GNO (≈$11) | $5/mo (1.00%) | Europe 35 countries | View Details |
| Holyheld Metal | 1% | None | $4/mo (0.71%) | Europe 30 countries | View Details |
| Argent Metal | 3% | None | $5/mo (1.00%) | Europe 30 countries | View Details |
| Gemini Standard | 4% | None | $8/mo (1.60%) | 2 countries 2 countries | View Details |
| Wirex Standard | 0.5% | None | $3/mo (0.50%) | Europe 20 countries | View Details |
| Nexo Base Tier | 0.5% | None | $1/mo (0.18%) | Europe 31 countries | View Details |
| Swissquote Light | 0.5% | None | $2/mo (0.38%) | Europe 31 countries | View Details |
| Holyheld Classic | 0.5% | None | $1/mo (0.21%) | Europe 30 countries | View Details |
| Bit2Me Level 1 | 0.25% | 20 EUR worth of B2M (≈$23) | $1/mo (0.25%) | Europe 30 countries | View Details |
| Metamask Virtual Card | 1% | None | $1/mo (0.12%) | South America, Europe & more 37 countries | View Details |
| Kolo Standard | 1% | None | $0/mo (0.00%) | Europe 33 countries | View Details |
| 1inch Standard | 2% | None | -$0/mo (-0.02%) | Europe 31 countries | View Details |
| Coinbase Standard | 1% | None | -$5/mo (-1.00%) | Europe 32 countries | View Details |
| Bitpanda Standard | 1% | None | -$4/mo (-0.73%) | Europe 23 countries | View Details |