High Reward Rates
Earn industry-leading cashback percentages on your purchases, often significantly higher than traditional credit cards.
01
Best Cashback Cards
Cards offering the highest cashback percentages and reward potential for spenders.
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.
02
Compound Growth Potential
The ability to stake or invest your crypto rewards for additional yield, creating a compounding effect on your earnings.
03
Loyalty Tiers
Progressive reward structures that increase your cashback rates as you use the card more or stake additional crypto.
04
How Cards Are Ranked
Cards in this category are ranked based on estimated monthly value using these assumptions:
Monthly Spend
$3,000
Staking Budget
$2,000
Fx Spend Percentage
0%
Atm Withdrawal Percentage
5%
The ranking considers calculated cashback minus fees based on the typical user profile above. It prioritizes high effective cashback rates, factoring in category features and brand diversity.
What Are the Best Crypto Cashback Cards?
Showing 17 cards
Bit2Me
Level 7
Mastercard
+182
USD
29$ fees
210$ rewards
- Cashback: 7% in B2M, capped at €300/month
- Wallet fee discount: 100%
- Trips & Discounts: Merchant cashback and accommodation offers
- Earn: Level-based extra APY shown live in the app
- Launchpad: Highest published access level
COCA
Standard+
Visa
+105
USD
15$ fees
120$ rewards
- Cashback: 4% on all eligible purchases
- Balance APY: 5% variable on eligible USD balances
- Subscription rebates: 50% in Streaming and AI Assistants; one/category/month, $70 charge limit
- Travel: COCA Travel discounts up to 50%
- Support: Basic
- COCA utility: Tier access and governance participation
Tria
Premium
Visa
+99
USD
21$ fees
120$ rewards
- Cashback: 6% on the first $2,000 of eligible monthly spend; 1% thereafter
- Invest & Earn access: Up to 15% variable APY advertised
- Airport lounges: Access to 1,200+ lounges; each visit is paid
- Travel benefits: Visa Luxury Hotel Collection, global auto-rental insurance and baggage cover
- Price protection: Up to $2,000 per account
- Purchase protection: Official pages currently conflict between $10,000 and $100,000
- Visa Digital Concierge: Global access
Wirex
Elite
Visa / Mastercard
+90
USD
30$ fees
120$ rewards
- Cryptoback: 4% Entry, 6% Enhanced or 8% Ultimate, paid in WXT
- Apple Pay and Google Pay in supported regions
- Physical and virtual cards
- Highest published WXT savings bonus on Ultimate
ether.fi Cash
Core
Visa
+83
USD
7$ fees
90$ rewards
- Cashback: 3% on the first $2,000/month; 1% on the next $1,000; 0.5% thereafter
- Included cards: 1 virtual
- Custody: Self-custodial, gasless spending
- Family cards: Spending controls
- Airport lounges: Pay-as-you-go access
- Rewards: Seasonal offers
- Support: Priority support and concierge
- Travel: 5% cashback plus up to 65% off eligible hotels and flights
- Visa Signature: Purchase, warranty and price protections
Uphold
US Elite
Visa / Mastercard
+82
USD
8$ fees
90$ rewards
- 4% XRP with crypto or metal funding; 3% with fiat or stablecoins during the current promotional period
- $300 monthly reward cap
- Premium metal Visa card
- Apple Pay and Google Pay
- High purchase and ATM limits
- One free replacement per year
- App card controls and statements
MEXC
Standard
Visa
+70
USD
30$ fees
100$ rewards
- Cashback: 4% USDT, up to 100 USDT/month
- Flexible Savings promotion: 7% APR on 100–100,000 USDT during the event
- Referral promotion: 10 USDT for a qualifying new user
Binance
Brazil Card
Mastercard
+63
USD
27$ fees
90$ rewards
- Cashback: 1.5%–3% paid in BRL; 500 BRL monthly cap at the top tier
- ATM access: Two Binance-fee-free withdrawals per month
- Local wallets: Mercado Pago and 99Pay
- Payment Priority: Choose 3–12 supported assets
Ripio
Standard
Visa
+60
USD
0$ fees
60$ rewards
- Cashback: 2% on eligible crypto-funded purchases or 0.5% on local-currency purchases
- Reward choice: BTC, ETH, or USDT
- Multi-asset spending: Select a Ripio crypto for automatic conversion at checkout
Lemon
Standard
Visa
+60
USD
0$ fees
60$ rewards
- Cashback: Up to 2% BTC in Argentina, 1% BTC in Peru, or 0.4% USDT in Colombia
- Multi-asset spending: Local fiat or selected crypto with automatic conversion
- Transparency: Live proof of reserves plus cryptographic proof of liabilities
- Regional rails: Local bank and wallet funding, including PSE/ACH, Pix, CCI, and interoperable transfers where offered
- Controls: Primary and backup payment assets, card pause, virtual-card management, and transaction history
Bitget Wallet
Regional Card
Visa / Mastercard
+60
USD
0$ fees
60$ rewards
- Assetback: 2% Base rate; 3% for new and qualifying users
- Reward choice: BTC, gold, NVIDIA, Tesla, Google, S&P 500 or USDC
- Automatic accumulation: Eligible purchases build the selected asset
- Monthly choice: Change the reward asset once per calendar month
- Redemption: Rewards become redeemable T+7
Coinbase
Coinbase One Credit Card - 2% Tier
Visa / Amex
+56
USD
4$ fees
60$ rewards
- 2% Bitcoin back with under $10,000 in Assets on Coinbase
- 5% Bitcoin back through Coinbase One Card Travel
- Pay the statement from a bank account or accepted Coinbase crypto balance
- Amex retail, return, warranty, rental-car, trip and luggage protections
BasedApp
HYPE
Visa
+20
USD
0$ fees
20$ rewards
- Cashback: 2% in $BASED; standard cap $20/month
- AI subscription rebate: Up to $10/month on eligible OpenAI and Anthropic charges
Spritz
Standard
Visa
+18
USD
62$ fees
80$ rewards
- Cashback: 5% on two monthly travel/dining sprees; $40 cap per spree
- Visa benefits: Purchase protection, warranty, rental cover, hotel offers, concierge and Airport Companion
- Multi-chain funding: Thousands of tokens across 12 networks
- Spritz Points: 1,000 waives up to $10 in fees; 10,000 adds $50 to the card
Gemini Credit
Classic / Bitcoin Edition
Mastercard
+12
USD
0$ fees
12$ rewards
- Rewards: 4% on $300 monthly gas, EV, transit, taxi and rideshare spend; then 1%
- Dining: 3%
- Groceries: 2%
- Other qualifying purchases: 1%
- Reward asset: Choose from 50+ supported crypto assets
- Reward delivery: Crypto deposited after qualifying transaction processing
- Vault Rewards: Up to 10% at selected merchants under live offer caps
- Offers: Merchant discounts and referral promotions subject to live terms
- Digital access: Virtual card immediately after approval
- Controls: Instant app card lock; physical card has no visible number
- Protection: Mastercard Zero Liability and identity-theft tools
- Design: Classic metal card, including Bitcoin orange and neutral finishes
1inch
Standard
Mastercard
+8
USD
53$ fees
60$ rewards
- Cashback: 2% in BXX or 1% in BTC or USDT
- CryptoDraft: Interest-free borrowing on the first 10% LTV
- StableLoan: Fixed-term borrowing against BTC or ETH
- Apple Pay and Google Pay
- Virtual and physical Mastercard formats
- Up to 5 linked cryptocurrency wallets
- Optional BXX staking can raise the interest-free CryptoDraft LTV
KuCard
L2
Mastercard
+5
USD
15$ fees
20$ rewards
- Reward Points: 2% on eligible purchases
- Monthly reward cap: 30 USDC equivalent
- Spending assets: 38 balances with configurable priority
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.
How Do These Cards Compare?
| Card | Cashback | Staking | Effective Return | Availability | Details |
|---|---|---|---|---|---|
| Bit2Me Level 7 | 7% | 9000 Space Center points (≈$900) | $182/mo (6.05%) | Europe 29 countries | View Details |
| Bit2Me Level 6 | 5% | 6000 Space Center points (≈$600) | $122/mo (4.05%) | Europe 29 countries | View Details |
| COCA Standard+ | 4% | 1000 COCA (≈$1,370) | $105/mo (3.50%) | Global 75 countries | View Details |
| Tria Premium | 6% | None | $99/mo (3.31%) | Global 174 countries | View Details |
| Wirex Elite | 4% | None | $90/mo (3.01%) | South America & Europe 35 countries | View Details |
| ether.fi Core | 3% | None | $83/mo (2.75%) | Global 169 countries | View Details |
| Uphold US Elite | 3% | None | $82/mo (2.72%) | 2 countries 2 countries | View Details |
| COCA Standard | 3% | 300 COCA (≈$411) | $75/mo (2.50%) | Global 75 countries | View Details |
| MEXC Standard | 4% | 350 M-Score (≈$350) | $70/mo (2.33%) | 4 countries 4 countries | View Details |
| Binance Brazil Card | 3% | 5000 BRL (≈$979) | $63/mo (2.10%) | South America 5 countries | View Details |
| Bit2Me Level 5 | 3% | 5000 Space Center points (≈$500) | $62/mo (2.05%) | Europe 29 countries | View Details |
| Ripio Standard | 2% | None | $60/mo (2.00%) | South America 2 countries | View Details |
| Lemon Standard | 2% | None | $60/mo (2.00%) | South America 4 countries | View Details |
| Uphold US Essential | 2% | None | $60/mo (2.00%) | 2 countries 2 countries | View Details |
| Bitget Regional Card | 2% | None | $60/mo (1.99%) | South America, Europe & more 54 countries | View Details |
