Everyday Spending Cards

Cards best suited for regular daily expenses with good cashback, low or no fees, and everyday usability.

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Last updated: October 25, 2025 7 cards

About Everyday Spending Cards

About 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.

Everyday Spending Cards offer several unique advantages compared to traditional payment cards:

Consistent Rewards

Reliable cashback rates on all purchases, maximizing your earnings on daily transactions.

Category Bonuses

Enhanced rewards for common spending categories like groceries, dining, or transportation.

Low Fee Structure

Minimal fees for regular transactions, ensuring you're not losing your rewards to maintenance costs.

Mobile Payment Integration

Seamless integration with digital wallets like Apple Pay, Google Pay, and Samsung Pay for convenient contactless payments.

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 7 cards

KAST logo

KAST

K Card

Visa
+40
USD
6$ fees
45$ rewards
Cashback Rate
3%
Staking Required
None
  • 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
View Full Details
COCA logo

COCA

Standard

Visa
+36
USD
9$ fees
45$ rewards
Cashback Rate
3%
Staking Required
300 COCA (≈$177)
  • Free virtual card
  • Free worldwide shipping for physical card
  • 50% cashback on Netflix subscription
  • 6% APY on balances up to $50,000, 2% on the rest
  • Basic support level
View Full Details
Ether.Fi logo

Ether.Fi Cash

Core

Visa
+29
USD
2$ fees
30$ rewards
Cashback Rate
2%
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
View Full Details
Gnosis logo

Gnosis Pay

Tier 2

Visa
+30
USD
0$ fees
30$ rewards
Cashback Rate
2%
Staking Required
1 GNO (≈$130)
  • 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
View Full Details
UGLYCASH logo

UGLYCASH

Standard

Visa
+14
USD
2$ fees
15$ rewards
Cashback Rate
1%
Staking Required
None
  • Up to 8% APY on eUSD stablecoin balances with daily compounding
  • Weekly cashback payments in RSR tokens every Friday
  • No monthly or annual cashback limits
  • Global Visa acceptance
  • U.S. bank account with FDIC insurance up to $250,000
  • European IBAN for SEPA transfers
  • Mexican CLABE account
  • Zero-fee transfers between UGLYCASH users worldwide
  • Direct deposit capabilities and bill pay functionality
  • Apple Pay and Google Pay support
  • Venmo, Cash App, Zelle integration (U.S. users)
  • Referral program with additional 1% APY boost
  • Real-time crypto-to-fiat conversion
  • Dedicated Member Advisor for each user
View Full Details
Gemini logo

Gemini Credit

XRP Edition

Mastercard
+15
USD
0$ fees
15$ rewards
Cashback Rate
1%
Staking Required
None
  • Up to 4% back on gas at the pump/EV charging (up to $200 monthly spend, then 1%)
  • 3% on dining
  • 2% on groceries
  • 1% 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: earn up to $5,000 in XRP
  • Limited-edition metal design themed for XRP
  • Mastercard World Elite benefits
  • Special cardholder discounts for Peacock Premium, Instacart, ResortPass, Lyft, Booking.com
  • Merchant Rewards Offers program
  • Vault Rewards up to 10% back at select merchants
View Full Details
Coinbase logo

Coinbase

Coinbase Visa Debit Card

Visa
+8
USD
8$ fees
15$ rewards
Cashback Rate
1%
Staking Required
None
  • Automatic conversion of cryptocurrency to fiat at point of sale
  • Compatible with 250+ cryptocurrencies from Coinbase account
  • Mobile wallet integration with Apple Pay and Google Pay
  • Instant notifications for all transactions
  • Direct deposit capability
  • 24/7 phone and email support (U.S. users)
View Full Details

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
KAST
K Card
 3% Free No N/A N/A View Details
COCA
Standard
 3% Free No N/A N/A View Details
Ready
Metal Card
 3% Free N/A N/A N/A View Details
Ether.Fi
Core
 2% Free No N/A N/A View Details
Gnosis
Tier 2
 2% Free No N/A N/A View Details
Uphold
Elite
 3% Free No N/A N/A View Details
Uphold
Essential
 2% Free No N/A N/A View Details
Gnosis
Tier 1
 1% Free No N/A N/A View Details
UGLYCASH
Standard
 1% Free No N/A N/A View Details
Gemini
XRP Edition
 1% Free No N/A N/A View Details
Gemini
Classic
 1% Free No N/A N/A View Details
Gemini
Solana Edition
 1% Free No N/A N/A View Details
Uphold
UK Standard
 1% Free No N/A N/A View Details
COCA
Starter
 1% Free No N/A N/A View Details
Coinbase
Coinbase Visa Debit Card
 1% Free No N/A N/A View Details