High Reward Rates
Earn industry-leading cashback percentages on your purchases, often significantly higher than traditional credit cards.
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Last updated: December 17, 2025 14 cards
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.
Crypto Rewards
Receive rewards directly in cryptocurrency, potentially benefiting from appreciation over time unlike traditional cashback.
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Compound Growth Potential
The ability to stake or invest your crypto rewards for additional yield, creating a compounding effect on your earnings.
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Loyalty Tiers
Progressive reward structures that increase your cashback rates as you use the card more or stake additional crypto.
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How Cards Are Ranked
Cards in this category are ranked based on estimated monthly value using these assumptions:
Monthly Spend
$3,000
Staking Budget
$2,000
Fx Spend Percentage
0%
Atm Withdrawal Percentage
5%
The ranking considers calculated cashback minus fees based on the typical user profile above. It prioritizes high effective cashback rates, factoring in category features and brand diversity.
Top Best Cashback Cards
Showing 14 cards
Bit2Me
Level 7
Mastercard
+177
USD
33$ fees
210$ rewards
- Mastercard debit card for spending cryptocurrencies worldwide
- Available in virtual and physical formats
- Apple Pay and Google Pay integration
- Real-time conversion of crypto to fiat at point of purchase
- Freedom to change preferred cryptocurrency wallet at any time
- Real-time transaction notifications
- Instant card blocking/unblocking
- Seamless integration with Bit2Me ecosystem
- Access to Bit2Me Life travel and accommodation discounts
- Additional cashback at 300+ partner stores (Ikea, Uber, Fnac, Nike)
- Up to +7% extra via Bit2Me Earn staking
- Up to +25% extra via Bit2Me Life merchant offers
- 100% fee discounts
- 19.2% extra APY on Earn
- 100% Launchpad access likelihood
- 3DS and 2FA authentication
- Cold wallet protection
Tria
Premium
Visa
+159
USD
21$ fees
180$ rewards
- Crypto yield opportunities: Up to 15% APY
- Unlimited airport lounge access
- Comprehensive travel insurance
- Purchase protection: Up to $10,000 (Visa Signature benefits)
- Referral program: $650,000 airdrop campaign for early adopters, 20% membership fee discounts
- AI-powered portfolio research and management features
- Real-time card controls via app
- Visa Zero Liability protection
Gnosis Pay
OG NFT Holder
Visa
+150
USD
0$ fees
150$ rewards
- +1% bonus cashback (up to 5% total)
- Early access to new features
- Exclusive events and partner perks
- Weekly GNO rewards delivered automatically to Safe wallet
- Google & Apple Pay support
- Optional ENS domain name printed on card
- Physical and virtual cards available
- IBAN bank account for eligible European users
- Zero transaction, FX, gas, or off-ramping fees
- Worldwide Visa acceptance
Rizon
Standard
Visa
+147
USD
3$ fees
150$ rewards
- Non-custodial architecture with full user control of stablecoins
- RIZpoints rewards program with up to 5% cashback
- Up to 20 RIZpoints (valued $200) for each successful referral
- Maximum of 10 friends can be referred for total of $400 in rewards
- Free stablecoin transfers to other Rizon users
- Instant virtual card issuance upon verification
- No staking requirements to access features or benefits
- Multi-chain support for deposits (Solana, Polygon, Base, Arbitrum, Optimism, Avalanche, Ethereum)
- Global usage at over 100 million merchants and ATMs where Visa is accepted
Gemini Credit
XRP Edition
Mastercard
+120
USD
0$ fees
120$ rewards
- Up to 4% back on gas, EV charging, transit & rideshares (up to $300 monthly spend, then 1%)
- 3% back on dining
- 2% back on groceries
- 1% back on all other purchases
- $200 welcome bonus in XRP after spending $3,000 in first 90 days
- Default reward currency: XRP (can switch to any of 50+ supported assets)
- Referral program: Refer friends, earn up to $5,000 in XRP
- Choose from 50+ cryptocurrencies for rewards with ability to switch anytime
- Instant crypto rewards deposited directly to Gemini account
- Vault Rewards: up to 10% back at select merchants (monthly per-merchant caps apply)
- Merchant Rewards Offers program with rotating partner merchants
- Special cardholder discounts for Peacock Premium, Instacart, ResortPass, Lyft, Booking.com, and more
- Mastercard World Elite benefits
- Mastercard Zero Liability Protection
- ID Theft Protection
- Instant card lock functionality via app
- Virtual card available immediately upon approval
- No visible card number on physical card (stored in Gemini app)
- Limited-edition metal design themed for XRP
UGLYCASH
Ridiculously Exclusive
Visa
+100
USD
20$ fees
120$ rewards
- 2-4% cashback based on weekly average balance
- Up to 8% APY on eUSD stablecoin balances
- Weekly cashback distribution in RSR tokens
- Priority invite access to physical card
- Enhanced fee coverage
- Global Visa acceptance
- U.S. bank account with ACH routing
- European IBAN virtual account
- Mexican CLABE virtual account
- Zero-fee transfers between UGLYCASH users worldwide
- Mobile wallet support (Apple Pay, Google Pay)
- Payment integration with Venmo, Cash App, Zelle (U.S. users)
- Referral program with 1% APY boost for new users
- Monthly cashback cap: $2,000 (reverts to 1% after cap)
KAST
X Card
Visa
+97
USD
83$ fees
180$ rewards
- Premium metal card (black)
- Premium concierge services
- Instant virtual card issuance
- High spending limits with no daily cap
- Internal transfers free up to $10,000/day
- ~2× higher staking boost than K Card
Coinbase
Coinbase One Credit Card - 3% Tier
Visa / Amex
+86
USD
4$ fees
90$ rewards
- 3% Bitcoin back on all purchases with $10,000+ in Assets on Coinbase
- Premium stainless steel card (17g) with Bitcoin Genesis Block etching
- No foreign transaction fees
- American Express network benefits including Retail Protection, Extended Warranty, Trip Cancellation and Interruption Insurance
- Ability to pay statement balance with cryptocurrency or bank account
- Virtual card available instantly upon approval
- Apple Pay and Google Pay integration
- Coinbase One membership benefits: 4.25% APY on first $10,000 USDC then 3.85% APY, $10/month sponsored smart wallet gas on Base, zero trading fees up to $500/month, $1,000 crypto protection coverage
- Premium customer support for Coinbase One members
Uphold
US Elite
Visa / Mastercard
+82
USD
8$ fees
90$ rewards
- 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
- 1 free card replacement per year
- Daily purchase limit: $25,000
- Daily ATM limit: $2,000 (3 withdrawals)
- Monthly purchase limit: $100,000
- Monthly ATM limit: $10,000 (30 withdrawals)
- Real-time multi-asset conversion
- Mobile app integration
- Fraud protection
- Apple Pay and Google Pay support
Ready
Metal Card
Mastercard
+80
USD
10$ fees
90$ rewards
- 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 $100/month)
- 30% discount on Ramp Network crypto on-ramp fees (except UK)
- Partner discounts including up to 25% off Nansen, 20% off Koinly, 15% off Airalo, 70%+ off NordVPN
- Non-transferable NFT for early cardholders
- Premium 16g metal card in gold or platinum finish
Ether.Fi Cash
Core
Visa
+60
USD
0$ fees
60$ rewards
- 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
Kolo
Standard
Visa / Mastercard
+51
USD
9$ fees
60$ rewards
- 5% BTC cashback welcome bonus for new users (limited-time offer)
- Apple Pay and Google Pay integration
- Real-time crypto-to-fiat conversion at point of sale
- Memepay feature for direct memecoin spending
- 100% cashback on random transactions (occasional)
- Multi-level referral program
- Early adopter KOLO token airdrops
- Co-branded cards for crypto communities
- Hybrid custody model with user asset ownership retained
- Support for 10+ cryptocurrencies including memecoins
- MiCA-ready and Travel Rule aligned compliance
- 0% APR and 0% interest on purchases
COCA
Standard
Visa
+30
USD
0$ fees
30$ rewards
- 3% cashback on first $1,000/month, then 1%
- 50% rebate on Netflix subscription (up to $70/month)
- 6% APY on balances up to $50,000, 2% APY on the rest
- Free ATM withdrawals up to $250 monthly
- Referral program: $10 for both referrer and referee (up to 100 referrals)
- Monthly Lucky Drop token airdrops for active users
- COCA Travel: Up to 50% off hotel bookings
- Free worldwide shipping for physical card
- Access to DeFi yield products through Earn feature
- Free Standard Tier until February 28, 2026 for users holding at least 1 COCA token on September 1, 2025
Bybit
VIP 1
Mastercard / Visa
+28
USD
32$ fees
60$ rewards
- Auto-Savings feature earning up to 8% APY on idle balances
- 100% rebates on Netflix, Spotify, Amazon Prime, TradingView, and ChatGPT subscriptions
- Premium airport lounge access at 250+ global locations (50% discount on redemption rates)
- Exclusive fee discounts
- VIP events access
- Priority customer support
- Exclusive trading fee rates
- Privileged fiat services
- Early access to new products
- Special event invites
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 |
|---|---|---|---|---|---|
| Bit2Me Level 7 | 7% | None | $177/mo (5.88%) | Europe 33 countries | View Details |
| Tria Premium | 6% | None | $159/mo (5.31%) | Global 174 countries | View Details |
| Gnosis OG NFT Holder | 5% | 0.1 GNO (≈$12) | $150/mo (5.00%) | South America & Europe 34 countries | View Details |
| Rizon Standard | 5% | None | $147/mo (4.90%) | South America & North America 22 countries | View Details |
| Tria Signature | 4.5% | None | $126/mo (4.20%) | Global 174 countries | View Details |
| Gemini XRP Edition | 4% | None | $120/mo (4.00%) | Multiple regions 52 countries | View Details |
| Gemini Solana Edition | 4% | None | $120/mo (4.00%) | Multiple regions 52 countries | View Details |
| Gemini Business Card | 4% | None | $120/mo (4.00%) | Multiple regions 52 countries | View Details |
| Bit2Me Level 6 | 5% | None | $117/mo (3.88%) | Europe 33 countries | View Details |
| UGLYCASH Ridiculously Exclusive | 4% | None | $100/mo (3.33%) | South America & North America 15 countries | View Details |
| KAST X Card | 6% | None | $97/mo (3.22%) | Global 113 countries | View Details |
| KAST Solana Illuma | 6% | None | $97/mo (3.22%) | Global 113 countries | View Details |
| Gnosis Tier 3 | 3% | 10 GNO (≈$1,165) | $90/mo (3.00%) | South America & Europe 34 countries | View Details |
| KAST K Card | 3% | None | $88/mo (2.92%) | Global 113 countries | View Details |
| Coinbase Coinbase One Credit Card - 3% Tier | 3% | None | $86/mo (2.86%) | Unknown 0 countries | View Details |
