About No-Staking Cards
About 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.
No-Staking Cards offer several unique advantages compared to traditional payment cards:
No Locked Capital
Use crypto card benefits without having to lock up your cryptocurrency assets, maintaining full liquidity of your portfolio.
Lower Risk Profile
Avoid exposure to staking risks such as lockup periods, potential slashing, or crypto value volatility on your staked assets.
Accessibility
Perfect for users who don't have large amounts of cryptocurrency or prefer not to stake for philosophical or practical reasons.
Flexibility
Freedom to move your crypto assets between different investments or platforms without being constrained by card staking requirements.
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:
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
KAST
K Card- Instant virtual card issuance
- High spending limits with no daily cap
- Internal transfers free up to $10,000/day
Ether.Fi
Core- 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
Holyheld
Metal- 1% cashback in USDC on all purchases
- Smart contract insurance up to $50,000
- Personal Euro IBAN account for SEPA transfers
- No monthly maintenance fees
- Premium design
- 1,200+ cryptocurrencies supported across 14+ blockchain networks
- Non-custodial approach for crypto assets
Gemini
Standard- 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
Wirex
Standard- 0.5% Cryptoback™ on card purchases (Entry tier)
- 1% Cryptoback™ on card purchases (Enhanced tier)
- Up to 1% annual on WXT balance
- Up to 12% interest on X-Accounts
- Free account with basic Cryptoback™ rewards
Swissquote
Light- 0.25% trading credit for regular payments
- 0.5% trading credit for crypto payments
- Free transactions in all currencies
- Support for 52 cryptocurrencies
- Support for 13 fiat currencies under a single IBAN
- Only converts necessary crypto amount for each transaction
Nexo
Base Tier- 0.5% in NEXO tokens or 0.1% in Bitcoin cashback on Credit Mode purchases
- Free ATM withdrawals up to €200/month
- Free FX transactions up to €1,000/month
- Monthly rewards limit of €50
- Assets continue earning interest until spent (in Debit Mode)
- Real-time transaction notifications
- Ability to freeze/unfreeze card instantly through app
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
Why would I choose a no-staking card over one with staking benefits?
Do no-staking crypto cards have higher fees to compensate?
Can no-staking cards offer competitive cashback rates?
Are there any hidden requirements that replace staking?
Do no-staking cards offer the same level of customer support?
Comparison Table
| Card | Cashback | Staking | Effective Return | Availability | Details |
|---|---|---|---|---|---|
| KAST K Card | 3% | None | $26/mo (2.63%) | South America & North America 24 countries | View Details |
| Ether.Fi Core | 2% | None | $19/mo (1.90%) | Global 182 countries | View Details |
| Argent Metal | 3% | None | $20/mo (2.00%) | Europe 30 countries | View Details |
| Holyheld Metal | 1% | None | $7/mo (0.71%) | Europe 30 countries | View Details |
| Gemini Standard | 4% | None | $8/mo (0.80%) | 2 countries 2 countries | View Details |
| Wirex Standard | 0.5% | None | $5/mo (0.50%) | Europe 20 countries | View Details |
| Swissquote Light | 0.5% | None | $4/mo (0.38%) | Europe 31 countries | View Details |
| Holyheld Classic | 0.5% | None | $2/mo (0.21%) | Europe 30 countries | View Details |
| Holyheld Limited Edition | 0.5% | None | $2/mo (0.21%) | Europe 30 countries | View Details |
| Nexo Base Tier | 0.5% | None | $2/mo (0.18%) | Europe 31 countries | View Details |
| Metamask Virtual Card | 1% | None | $1/mo (0.12%) | South America, Europe & more 37 countries | View Details |
| Stella Standard | 0% | None | $0/mo (0.00%) | Europe, South America & more 57 countries | View Details |
| Gnosis Base Card | 0% | None | $0/mo (0.00%) | Europe 35 countries | View Details |
| Mercuryo Ledger Version | 0% | None | $0/mo (0.00%) | Europe 30 countries | View Details |
| PlasBit Prepaid | 0% | None | $0/mo (0.00%) | South America, Europe & more 44 countries | View Details |