No Locked Capital
Use crypto card benefits without having to lock up your cryptocurrency assets, maintaining full liquidity of your portfolio.
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Last updated: January 24, 2026 10 cards
No-Staking Cards
Quality cards that don't require cryptocurrency staking or holding, making them accessible to all. No-staking cards provide flexibility for users who prefer not to lock up cryptocurrency assets while still enjoying crypto card benefits. These cards often have alternative qualification methods like monthly fees or minimum balances. Compare our selection of no-staking crypto cards to find one that offers the best combination of accessibility and rewards for your needs.
Lower Risk Profile
Avoid exposure to staking risks such as lockup periods, potential slashing, or crypto value volatility on your staked assets.
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Accessibility
Perfect for users who don't have large amounts of cryptocurrency or prefer not to stake for philosophical or practical reasons.
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Flexibility
Freedom to move your crypto assets between different investments or platforms without being constrained by card staking requirements.
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How Cards Are Ranked
Cards in this category are ranked based on estimated monthly value using these assumptions:
Monthly Spend
$1,000
Staking Budget
$0
Fx Spend Percentage
10%
Atm Withdrawal Percentage
10%
The ranking considers calculated cashback minus fees based on the typical user profile above. It includes only cards requiring no staking, factoring in category-specific features and tier balancing.
Top No-Staking Cards
Showing 10 cards
Bitsa
Pro
Visa
+88
USD
62$ fees
150$ rewards
- Cashback up to 15% at partner retailers
- Instant crypto-to-euro conversion
- Mobile wallet integration (Google Pay, Apple Pay, Samsung Pay)
- 4 physical + 4 virtual cards (8 total)
- Multiple cards with independent or shared balances
- Card-to-card instant transfers within app (no fee)
- Disposable virtual cards for online purchases
- Spanish IBAN for SEPA transfers
- Unlimited standard SEPA transfers
- 2 free SEPA instant transfers per month
- 4 free monthly POS top-ups
- Unlimited top-up limits
- Unlimited maximum balance
- Foreign cash-out: €450/day
Bit2Me
Level 7
Mastercard
+56
USD
14$ fees
70$ 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
Rizon
Standard
Visa
+48
USD
3$ fees
50$ 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 $400 in rewards
- Free stablecoin transfers to other Rizon users
- Instant virtual card issuance upon verification
- No staking requirements to access features or benefits
- Multi-chain support for deposits (Solana, Polygon, Base, Arbitrum, Optimism, Avalanche, Ethereum)
- Global usage at over 100 million merchants and ATMs where Visa is accepted
Gemini Credit
XRP Edition
Mastercard
+40
USD
0$ fees
40$ 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 $5,000 in XRP
- Choose from 50+ cryptocurrencies for rewards with ability to switch anytime
- Instant crypto rewards deposited directly to Gemini account
- Vault Rewards: up to 10% back at select merchants (monthly per-merchant caps apply)
- Merchant Rewards Offers program with rotating partner merchants
- Special cardholder discounts for Peacock Premium, Instacart, ResortPass, Lyft, Booking.com, and more
- Mastercard World Elite benefits
- Mastercard Zero Liability Protection
- ID Theft Protection
- Instant card lock functionality via app
- Virtual card available immediately upon approval
- No visible card number on physical card (stored in Gemini app)
- Limited-edition metal design themed for XRP
Tria
Premium
Visa
+36
USD
24$ fees
60$ rewards
- Unlimited airport lounge access
- Comprehensive travel insurance
- Purchase protection: $100,000
- Enhanced baggage protection
- ATM access up to $750/day
- Premium concierge services
- Real-time card controls via app
- Fraud monitoring 24/7
- Visa Zero Liability protection
- Access to 1,000+ cryptocurrencies
- AI-powered BestPath routing
- Zero gas fees on conversions
- Mobile wallet support
Ether.Fi Cash
Core
Visa
+29
USD
1$ fees
30$ rewards
- 3% cashback on first $2,000 monthly spend
- 1% cashback on $2,001-$3,000 monthly spend
- 0.5% cashback above $3,000 monthly spend
- 1 free physical card
- 3 virtual cards
- Seasonal rewards
- Priority support
- Airport companion lounge access
- Concierge services
- Up to 65% off luxury hotels
- Referral rewards: 1% cashback on referral purchases + 10% points on their deposits
- Non-custodial wallet structure
- Gasless transactions
- Apple Pay & Google Pay compatibility
- Family member cards with controls
Coinbase
Coinbase One Credit Card - 3% Tier
Visa / Amex
+26
USD
4$ fees
30$ 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, $1,000 crypto protection coverage
- Premium customer support for Coinbase One members
KAST
Standard
Visa
+18
USD
2$ fees
20$ rewards
- Zero crypto-to-fiat conversion fees with 1:1 stablecoin to USD conversion
- Additional 4% back in $MOVE tokens (limited time)
- Apple Pay and Google Pay support
- Virtual USD bank account support with ACH and Fedwire capabilities
- Unlimited spending per transaction
- Available in 160+ countries
- Instant virtual card issuance
Kolo
Standard
Visa / Mastercard
+17
USD
3$ fees
20$ 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
UGLYCASH
Ridiculously Exclusive
Visa
+20
USD
20$ fees
40$ 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 No-Staking Cards
When comparing no-staking crypto cards, focus on alternative qualification methods, maintenance fees, and reward sustainability since these cards must generate value for issuers without staking revenue.
Key Features to Compare
- Monthly or annual fees replacing staking requirements
- Base rewards without any staking or token holding
- Loading or top-up fees that might offset rewards
- Spending requirements to maintain status
- Account maintenance conditions
Comparison Tips
- Calculate the total annual cost of fees against expected rewards
- Look for cards with transparent fee structures rather than hidden charges
- Check if rewards are sustainable long-term without staking backing them
- Verify if any token holdings are required, even if not formally 'staked'
The ideal no-staking card provides competitive benefits with transparent, reasonable fees that don't effectively replicate the opportunity cost of staking.
Frequently Asked Questions about No-Staking Cards
1 Why would I choose a no-staking card over one with staking benefits?
No-staking cards are ideal if you prefer not to lock up capital, want to maintain full liquidity of your crypto assets, or don't have significant cryptocurrency holdings. They're also good for users who are concerned about the volatility of staked tokens or who prioritize flexibility over maximum rewards.
2 Do no-staking crypto cards have higher fees to compensate?
Some no-staking cards do charge monthly or annual fees instead of requiring staking. However, many operate on alternative business models focused on transaction fees from merchants or smaller spreads on currency conversions. Compare the total cost structure rather than just looking for staking requirements.
3 Can no-staking cards offer competitive cashback rates?
While the highest cashback rates in the market typically require staking, several no-staking cards offer competitive rates in the 1-3% range. These cards focus on consistent, straightforward rewards without complex requirements, making them attractive despite not having the absolute highest percentages.
4 Are there any hidden requirements that replace staking?
Some cards that advertise "no staking" may have alternative requirements such as maintaining minimum balances, meeting monthly spending thresholds, or paying subscription fees. Always read the complete terms to understand what conditions apply to receive the advertised benefits.
5 Do no-staking cards offer the same level of customer support?
The quality of customer support typically depends on the overall positioning of the card rather than specifically whether it requires staking. Premium no-staking cards generally offer robust support, while more basic offerings might have limited support regardless of staking requirements.
Detailed Comparison
| Card | Cashback | Staking | Effective Return | Availability | Details |
|---|---|---|---|---|---|
| Bitsa Pro | 15% | None | $88/mo (8.78%) | Europe 27 countries | View Details |
| Bit2Me Level 7 | 7% | None | $56/mo (5.64%) | Europe 33 countries | View Details |
| Rizon Standard | 5% | None | $48/mo (4.75%) | Global 119 countries | View Details |
| Gemini XRP Edition | 4% | None | $40/mo (4.00%) | Multiple regions 52 countries | View Details |
| Gemini Solana Edition | 4% | None | $40/mo (4.00%) | Multiple regions 52 countries | View Details |
| Gemini Business Card | 4% | None | $40/mo (4.00%) | Multiple regions 52 countries | View Details |
| Bit2Me Level 6 | 5% | None | $37/mo (3.67%) | Europe 33 countries | View Details |
| Tria Premium | 6% | None | $36/mo (3.62%) | Global 174 countries | View Details |
| Tria Signature | 4.5% | None | $33/mo (3.29%) | Global 174 countries | View Details |
| Ether.Fi Core | 3% | None | $29/mo (2.90%) | Global 175 countries | View Details |
| Ether.Fi Luxe | 3% | None | $29/mo (2.90%) | Global 175 countries | View Details |
| Ether.Fi Pinnacle | 3% | None | $29/mo (2.90%) | Global 175 countries | View Details |
| Coinbase Coinbase One Credit Card - 3% Tier | 3% | None | $26/mo (2.58%) | Unknown 0 countries | View Details |
| Ready Metal Card | 3% | None | $20/mo (2.00%) | Global 179 countries | View Details |
| KAST Standard | 2% | None | $18/mo (1.80%) | Global 118 countries | View Details |
