Best Cashback Cards - Best Crypto Cards

Last updated: October 25, 2025 • 7 cards

About Best Cashback Cards

Cards offering the highest cashback percentages and reward potential for spenders.

Best cashback cards offer the highest reward rates on the market, allowing you to earn significant crypto rewards on your everyday spending.

Compare our top cashback cards to find one that maximizes your earnings while aligning with your staking preferences and spending habits.

Best Cashback Cards offer several unique advantages compared to traditional payment cards:

High Reward Rates

Earn industry-leading cashback percentages on your purchases, often significantly higher than traditional credit cards.

Crypto Rewards

Receive rewards directly in cryptocurrency, potentially benefiting from appreciation over time unlike traditional cashback.

Compound Growth Potential

The ability to stake or invest your crypto rewards for additional yield, creating a compounding effect on your earnings.

Loyalty Tiers

Progressive reward structures that increase your cashback rates as you use the card more or stake additional crypto.

How Cards Are Ranked

Cards in this category are ranked based on estimated monthly value using these assumptions:

Monthly Spend

$3,000

Staking Budget

$2,000

Fx Spend Percentage

Atm Withdrawal Percentage

The ranking considers calculated cashback minus fees based on the typical user profile above. It prioritizes high effective cashback rates, factoring in category features and brand diversity.

Top Best Cashback Cards

Showing 7 cards

COCA

Premium

Visa

+133

USD

17$ fees

150$ rewards

Cashback Rate

Staking Required

3000 COCA (≈$1,773)

Free virtual card
Free physical card
Free worldwide shipping for physical card
50% cashback on Netflix and ChatGPT Plus subscriptions
6% APY on balances up to $500,000, 2% on the rest
Priority support level

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KAST

Solana Illuma

Visa

+97

USD

83$ fees

180$ rewards

Cashback Rate

Staking Required

None

LED logo that lights up on touch
Premium concierge services
Instant virtual card issuance
High spending limits with no daily cap
Internal transfers free up to $10,000/day
~2× higher staking boost than K Card

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Gnosis Pay

Tier 3

Visa

+90

USD

0$ fees

90$ rewards

Cashback Rate

Staking Required

10 GNO (≈$1,301)

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

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Uphold

Elite

Visa / Mastercard

+82

USD

8$ fees

90$ rewards

Cashback Rate

Staking Required

None

6% XRP cashback for first 90 days (promotional), then 3% ongoing
Monthly cashback cap: $300
Premium metal card
Free shipping
Zero foreign transaction fees
Zero ATM withdrawal fees
Higher spending limits ($25,000 daily purchases)
Higher ATM limits ($2,000 daily)
Real-time multi-asset conversion
Mobile app integration
Fraud protection

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Ready

Metal Card

Mastercard

+80

USD

10$ fees

90$ rewards

Cashback Rate

Staking Required

None

10% cashback during first 30 days (on up to $1,500 spent)
Maximum monthly rewards: $150 in STRK
Maximum annual rewards: $1,800 in STRK
Free Layerswap bridging fees (refunded weekly, up to $100/month)
30% discount on Ramp Network crypto on-ramp fees (except UK)
Partner discounts including up to 25% off Nansen, 20% off Koinly, 15% off Airalo, 70%+ off NordVPN
Non-transferable NFT for early cardholders
Premium 16g metal card in gold or platinum finish

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Ether.Fi Cash

Core

Visa

+60

USD

0$ fees

60$ rewards

Cashback Rate

Staking Required

None

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

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Bybit

VIP 1

Mastercard

+29

USD

31$ fees

60$ rewards

Cashback Rate

Staking Required

1000 (≈$1,000)

Auto-Savings feature earning up to 8% APY on idle balances
100% rebates on Netflix, Spotify, Amazon Prime, TradingView, and ChatGPT subscriptions
100% rebates on premium AI services
50% off airport lounge access
Exclusive fee discounts
VIP events access
Priority customer support
Mobile wallet integrations (Apple Pay, Google Pay, Samsung Pay)

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Comparing Best Cashback Cards

When comparing cashback-maximizing crypto cards, analyze the true net rewards after factoring in all requirements, caps, and fees rather than looking at the headline cashback percentage alone.

Key Features to Compare

Base and maximum cashback percentages
Requirements to achieve different cashback tiers
Monthly or annual caps on cashback earnings
Token lockup or staking periods required
Additional bonuses for specific spending categories

Comparison Tips

Calculate your expected annual spend to determine if higher-tier cards are worth the requirements
Check if there are spending minimums or timeframes to maintain reward rates
Verify if cashback is paid in volatile tokens that could lose value
Look for hidden terms that might reduce effective cashback rates

The best cashback card isn't always the one with the highest advertised percentage—it's the one that maximizes your net earnings based on your specific spending habits and comfort with staking requirements.

Frequently Asked Questions about Best Cashback Cards

1 What's the highest cashback percentage available on crypto cards?

The highest advertised cashback rates on crypto cards typically range from 5-8%, with some promotional offers reaching as high as 10-12%. However, these maximum rates usually require significant staking or spending commitments. More realistic cashback rates for most users range from 2-5% depending on requirements.

2 Do cashback rewards come with spending caps?

Many crypto cards do impose monthly or annual caps on cashback earnings, especially on higher-tier rewards. For example, a card might offer 5% cashback but limit it to $50 per month. Always check the terms to understand any caps that may apply to your spending patterns.

3 Is cashback paid in cryptocurrency or fiat currency?

Most crypto cards pay cashback in cryptocurrency - either in a stablecoin, bitcoin, or the platform's native token. Some cards allow you to choose your reward currency or automatically convert to your preferred crypto. Very few offer direct fiat currency cashback.

4 How quickly do cashback rewards become available?

This varies by provider. Some crypto cards credit cashback immediately after transactions settle, while others distribute rewards weekly or monthly. Premium cards tend to offer faster reward crediting. Be aware that some providers implement vesting periods where rewards are locked for a certain time.

5 Can the cashback percentages change after I get the card?

Yes, most crypto card issuers reserve the right to modify cashback rates. The crypto card market is competitive and evolving, so rates can change based on market conditions or business strategy. Cards tied to specific tokens may see reward adjustments as token values fluctuate.

Detailed Comparison

Card	Cashback	Staking	Effective Return	Availability	Details
COCA Premium	5%	3000 COCA (≈$1,773)	$133/mo (4.42%)	Europe & South America 52 countries	View Details
KAST Solana Illuma	6%	None	$97/mo (3.22%)	Global 113 countries	View Details
KAST X Card	6%	None	$97/mo (3.22%)	Global 113 countries	View Details
Gnosis Tier 3	3%	10 GNO (≈$1,301)	$90/mo (3.00%)	Europe 35 countries	View Details
KAST K Card	3%	None	$88/mo (2.92%)	Global 113 countries	View Details
Uphold Elite	3%	None	$82/mo (2.72%)	2 countries 2 countries	View Details
Ready Metal Card	3%	None	$80/mo (2.67%)	Global 179 countries	View Details
COCA Standard	3%	300 COCA (≈$177)	$73/mo (2.42%)	Europe & South America 52 countries	View Details
Ether.Fi Core	2%	None	$60/mo (2.00%)	Global 181 countries	View Details
Gnosis Tier 2	2%	1 GNO (≈$130)	$60/mo (2.00%)	Europe 35 countries	View Details
Uphold Essential	2%	None	$60/mo (2.00%)	2 countries 2 countries	View Details
Bybit VIP 1	2%	1000 tokens (≈$1,000)	$29/mo (0.95%)	South America & Europe 31 countries	View Details
1inch Standard	2%	None	-$1/mo (-0.03%)	Europe & North America 33 countries	View Details
Bybit Card Lite	2%	None	-$24/mo (-0.80%)	South America & Europe 31 countries	View Details
Bybit Standard	2%	None	-$26/mo (-0.88%)	South America & Europe 31 countries	View Details