Consistent Rewards
Reliable cashback rates on all purchases, maximizing your earnings on daily transactions.
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Last updated: December 12, 2025 9 cards
Everyday Spending Cards
Cards best suited for regular daily expenses with good cashback, low or no fees, and everyday usability. Everyday spending cards are optimized for regular daily purchases, with features like reliable cashback on common spending categories, low fees, and broad acceptance at merchants. Find the right card for your daily needs from our selection of everyday crypto cards.
Category Bonuses
Enhanced rewards for common spending categories like groceries, dining, or transportation.
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Low Fee Structure
Minimal fees for regular transactions, ensuring you're not losing your rewards to maintenance costs.
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Mobile Payment Integration
Seamless integration with digital wallets like Apple Pay, Google Pay, and Samsung Pay for convenient contactless payments.
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How Cards Are Ranked
Cards in this category are ranked based on estimated monthly value using these assumptions:
Monthly Spend
$1,500
Staking Budget
$500
Fx Spend Percentage
10%
Atm Withdrawal Percentage
5%
The ranking considers calculated cashback minus fees based on the typical user profile above. It emphasizes consistent rewards for daily use, factoring in category-specific features and tier balancing.
Top Everyday Spending Cards
Showing 9 cards
Winity Life
Exclusive
Visa
+103
USD
2$ fees
105$ rewards
- WinBack Points rewards system
- Instant virtual card issuance
- Apple Pay and Google Pay integration
- Global Visa acceptance at 100+ million merchants
- 24/7 customer support via multiple channels
- Customizable card designs via mobile app
- Real-time crypto-to-USD conversion
- Enterprise-grade security with multi-factor authentication
- Zero conversion fees for WCO deposits
- Customizable spending limits and instant card lock/unlock
Bit2Me
Level 7
Mastercard
+85
USD
20$ fees
105$ 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
+65
USD
25$ fees
90$ 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: $650,000 airdrop campaign for early adopters, 20% membership fee discounts
- AI-powered portfolio research and management features
- Real-time card controls via app
- Visa Zero Liability protection
Gnosis Pay
OG NFT Holder
Visa
+75
USD
0$ fees
75$ 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
Gemini Credit
XRP Edition
Mastercard
+60
USD
0$ fees
60$ 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 $5,000 in XRP
- Choose from 50+ cryptocurrencies for rewards with ability to switch anytime
- Instant crypto rewards deposited directly to Gemini account
- Vault Rewards: up to 10% back at select merchants (monthly per-merchant caps apply)
- Merchant Rewards Offers program with rotating partner merchants
- Special cardholder discounts for Peacock Premium, Instacart, ResortPass, Lyft, Booking.com, and more
- Mastercard World Elite benefits
- Mastercard Zero Liability Protection
- ID Theft Protection
- Instant card lock functionality via app
- Virtual card available immediately upon approval
- No visible card number on physical card (stored in Gemini app)
- Limited-edition metal design themed for XRP
Rizon
Standard
Visa
+71
USD
4$ fees
75$ 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 $400 in rewards
- Free stablecoin transfers to other Rizon users
- Instant virtual card issuance upon verification
- No staking requirements to access features or benefits
- Multi-chain support for deposits (Solana, Polygon, Base, Arbitrum, Optimism, Avalanche, Ethereum)
- Global usage at over 100 million merchants and ATMs where Visa is accepted
KAST
K Card
Visa
+40
USD
6$ fees
45$ rewards
- Instant virtual card issuance
- High spending limits with no daily cap
- Internal transfers free up to $10,000/day
- Cashback is only paid in points which can be converted to $ at TGE
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: $10 for both referrer and referee (up to 100 referrals)
- Monthly Lucky Drop token airdrops for active users
- COCA Travel: Up to 50% off hotel bookings
- Free worldwide shipping for physical card
- Access to DeFi yield products through Earn feature
- Free Standard Tier until February 28, 2026 for users holding at least 1 COCA token on September 1, 2025
UGLYCASH
Ridiculously Exclusive
Visa
+40
USD
20$ fees
60$ 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)
Comparing Everyday Spending Cards
When comparing everyday spending crypto cards, focus on consistent reward rates for routine purchases, ease of use, and practical features rather than flashy premium benefits that don't apply to daily transactions.
Key Features to Compare
- Reward rates on common spending categories (groceries, gas, dining)
- Integration with mobile payment systems
- Real-time transaction notifications and spend tracking
- Ease of loading/topping up the card
- Instant currency conversion at point of sale
Comparison Tips
- Map your typical monthly spending to see which card's reward categories align best
- Consider whether contactless and mobile payments are important to your routine
- Look for cards with minimal conversion fees for daily transactions
- Check if there are spending minimums or 'activation' requirements
The best everyday crypto card blends seamlessly into your daily financial life while consistently rewarding your routine spending patterns.
Frequently Asked Questions about Everyday Spending Cards
1 Are there spending categories that earn higher rewards?
Many everyday spending crypto cards offer enhanced rewards for common expense categories like groceries, dining, transportation, or recurring bills. For example, a card might offer 3% on grocery purchases but 1% on other transactions. Check which categories align with your typical spending patterns.
2 Can I integrate everyday crypto cards with services like Apple Pay or Google Pay?
Yes, most leading everyday spending crypto cards now support integration with digital wallets like Apple Pay, Google Pay, and Samsung Pay. This allows for convenient contactless payments without needing to carry the physical card, though availability may vary by region.
3 Do everyday spending cards work with recurring bills and subscriptions?
Most everyday crypto cards can be used for recurring payments and subscriptions just like traditional cards. However, some merchants might have policies against accepting certain prepaid or crypto-related cards, so it's worth verifying with important regular services.
4 How do refunds work with crypto cashback cards?
When you receive a refund on a purchase made with a crypto card, the corresponding cashback is typically reversed or deducted from future rewards. The exact handling varies by provider, so check the terms if you frequently return purchases.
5 Can I set spending alerts and limits on everyday crypto cards?
Yes, most crypto cards designed for everyday use offer robust mobile apps with features like real-time transaction notifications, spending categorization, budget setting, and customizable spending limits. These tools help track daily expenses and maintain financial awareness.
Detailed Comparison
Compare features for daily use cards
| Card | Cashback | Monthly Fee | Mobile Pay Support for Apple/Google Pay | Spending Limit Daily spending limit | Conversion Fee Fee for converting crypto to fiat | Details |
|---|---|---|---|---|---|---|
| Winity Exclusive | 7% | Free | No | N/A | N/A | View Details |
| Bit2Me Level 7 | 7% | Free | No | N/A | N/A | View Details |
| Tria Premium | 6% | Free | No | N/A | N/A | View Details |
| Gnosis OG NFT Holder | 5% | Free | No | N/A | N/A | View Details |
| Gemini XRP Edition | 4% | Free | No | N/A | N/A | View Details |
| Gemini Solana Edition | 4% | Free | No | N/A | N/A | View Details |
| Gemini Business Card | 4% | Free | No | N/A | N/A | View Details |
| Rizon Standard | 5% | Free | No | N/A | N/A | View Details |
| Tria Signature | 4.5% | Free | No | N/A | N/A | View Details |
| Bit2Me Level 6 | 5% | Free | No | N/A | N/A | View Details |
| Winity Executive | 8.5% | Free | No | N/A | N/A | View Details |
| KAST K Card | 3% | Free | No | N/A | N/A | View Details |
| Ready Metal Card | 3% | Free | N/A | N/A | N/A | View Details |
| COCA Standard | 3% | Free | No | N/A | N/A | View Details |
| UGLYCASH Ridiculously Exclusive | 4% | $20 | No | N/A | N/A | View Details |
