Everyday Spending Cards - Best Crypto 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.

Real-time Notifications

Instant transaction alerts and spending analytics to help manage your daily expenses.

When selecting a card from this category, consider which of these benefits align best with your goals and priorities.

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

Ether.Fi

Core

Visa

29$ monthly return

2$ fees | 30$ rewards

Cashback 2%

Staking Req. 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 Details

Gnosis

Tier 2

Visa

30$ monthly return

0$ fees | 30$ rewards

Cashback 2%

Staking Req. 1 GNO (≈$113)

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 Details

Gemini

Standard

Mastercard

8$ monthly return

0$ fees | 8$ rewards

Cashback 4%

Staking Req. None

Up to 4% back on gas/EV charging
3% on dining
2% on groceries
$200 welcome bonus in crypto after spending $3,000 in first 90 days
No staking requirements

View Details

1inch

Standard

Mastercard

0$ monthly cost

30$ fees | 30$ rewards

Cashback 2%

Staking Req. None

2% cashback when rewards are taken in BXX (Baanx's token)
1% cashback when rewards are taken in Bitcoin (BTC), Tether (USDT), or 1inch token (1INCH)
Monthly cashback cap of €4,800
Self-custody model maintaining control of assets until point of purchase
CryptoDraft: Interest-free crypto-backed credit line (0% APR on first 10% of collateral value)
No foreign exchange (FX) fees beyond Mastercard's standard rates
Available as virtual card immediately after KYC approval
Higher credit limits available via optional BXX token staking

View Details

Bybit

VIP 0 (Standard)

Mastercard

-6$ monthly cost

16$ fees | 10$ rewards

Cashback 2%

Staking Req. None

2% cashback (up to 5,000 points monthly)
Auto-Savings feature earning up to 8% APY on idle balances
100% rebates on Netflix, Spotify, Amazon Prime, TradingView, and ChatGPT subscriptions
Points can be redeemed in Rewards Market or converted to USDT (0.002 USDT per point)

View 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

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.

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.

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.

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.

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.

Comparison Table

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
Argent Metal	3%	Free	N/A	N/A	N/A	View Details
Ether.Fi Core	2%	Free	N/A	N/A	N/A	View Details
Gnosis Tier 2	2%	Free	N/A	N/A	N/A	View Details
Gemini Standard	4%	Free	N/A	N/A	N/A	View Details
1inch Standard	2%	Free	N/A	N/A	N/A	View Details
Bybit VIP 0 (Standard)	2%	Free	N/A	N/A	N/A	View Details
Xapo Virtual Card	1.1%	Free	N/A	N/A	N/A	View Details