No-Staking Cards

Quality cards that don't require cryptocurrency staking or holding, making them accessible to all.

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Last updated: October 25, 2025 7 cards

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.

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 7 cards

KAST logo

KAST

K Card

Visa
+26
USD
5$ fees
30$ 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
Ether.Fi logo

Ether.Fi Cash

Core

Visa
+19
USD
1$ fees
20$ 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
UGLYCASH logo

UGLYCASH

Standard

Visa
+9
USD
1$ fees
10$ 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
Gemini logo

Gemini Credit

XRP Edition

Mastercard
+10
USD
0$ fees
10$ 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
Holyheld logo

Holyheld

Metal

Mastercard
+7
USD
3$ fees
10$ rewards
Cashback Rate
1%
Staking Required
None
  • 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
Coinbase logo

Coinbase

Coinbase Visa Debit Card

Visa
+5
USD
5$ fees
10$ 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)
Wirex logo

Wirex

Standard

Mastercard
+5
USD
0$ fees
5$ rewards
Cashback Rate
0.5%
Staking Required
None
  • 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

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
KAST
K Card
3% None $26/mo (2.55%)
Global
113 countries
View Details
Ready
Metal Card
3% None $20/mo (2.00%)
Global
179 countries
View Details
Ether.Fi
Core
2% None $19/mo (1.90%)
Global
181 countries
View Details
Uphold
Elite
3% None $22/mo (2.17%)
2 countries
2 countries
View Details
Uphold
Essential
2% None $20/mo (2.00%)
2 countries
2 countries
View Details
UGLYCASH
Standard
1% None $9/mo (0.90%)
South America & North America
19 countries
View Details
Gemini
XRP Edition
1% None $10/mo (1.00%)
2 countries
2 countries
View Details
Gemini
Classic
1% None $10/mo (1.00%)
2 countries
2 countries
View Details
Gemini
Solana Edition
1% None $10/mo (1.00%)
2 countries
2 countries
View Details
Uphold
UK Standard
1% None $10/mo (1.00%)
2 countries
2 countries
View Details
Holyheld
Metal
1% None $7/mo (0.71%)
Europe
30 countries
View Details
Ready
Lite Card
0.5% None $5/mo (0.50%)
Global
179 countries
View Details
Coinbase
Coinbase Visa Debit Card
1% None $5/mo (0.50%)
Europe
32 countries
View Details
Wirex
Standard
0.5% None $5/mo (0.50%)
Europe
20 countries
View Details
COCA
Starter
1% None $4/mo (0.42%)
Europe & South America
52 countries
View Details