Elevated Cashback Rates
Industry-leading reward percentages that significantly outperform standard cards.
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Last updated: December 12, 2025 4 cards
Premium Options
High-end cards with premium benefits, exclusive perks, and elevated status for those willing to stake more. Premium crypto cards offer exclusive benefits for users willing to stake larger amounts or pay higher fees. These cards typically include elevated rewards, status perks, and concierge services. Explore our selection of premium cards to find high-end options that match your investment level and lifestyle expectations.
Concierge Services
Dedicated customer support and lifestyle assistance for booking travel, events, and exclusive experiences.
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Luxury Travel Benefits
Comprehensive travel insurance, airport lounge access worldwide, and premium travel booking services.
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Higher Spending Limits
Increased transaction and withdrawal limits suitable for high-value purchases and frequent travelers.
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How Cards Are Ranked
Cards in this category are ranked based on estimated monthly value using these assumptions:
Monthly Spend
$5,000
Staking Budget
$50,000
Fx Spend Percentage
25%
Atm Withdrawal Percentage
5%
The ranking considers calculated cashback minus fees based on the typical user profile above. It focuses on high-end cards with significant requirements and premium perks, factoring in features and tier balancing.
Top Premium Options
Showing 4 cards
Bybit
Supreme VIP
Mastercard / Visa
+440
USD
60$ fees
500$ rewards
- Auto-Savings feature earning up to 8% APY on idle balances
- 100% rebates on Netflix, Spotify, Amazon Prime, TradingView, and ChatGPT subscriptions
- Premium airport lounge access at 250+ global locations (50% discount on redemption rates)
- Free physical card with expedited delivery (3 days)
- All lower tier benefits
- VIP Ambassador status
- Welcome & Birthday Gifts
- Exclusive fee discounts
- VIP events access
- Priority customer support
- Exclusive trading fee rates
- Privileged fiat services
- Early access to new products
- Special event invites
COCA
Elite
Visa
+400
USD
0$ fees
400$ rewards
- 8% cashback on first $10,000/month, then 1%
- 50% rebate on Netflix, Spotify, ChatGPT Plus, and Amazon Prime subscriptions (up to $70/month per service)
- 6% APY on unlimited balance amount
- Free physical card issuance
- Priority support
- Free ATM withdrawals up to $250 monthly
- Referral program: $10 for both referrer and referee (up to 100 referrals)
- Monthly Lucky Drop token airdrops for active users
- COCA Travel: Up to 50% off hotel bookings
- Free worldwide shipping for physical card
- Access to DeFi yield products through Earn feature
- Governance rights through veCOCA for platform governance
- 50% discount on Elite Tier until February 28, 2026 for users who complete at least one COCA card transaction in August 2025
Crypto.com
Frosted Rose Gold / Icy White
Visa / Mastercard
+150
USD
50$ fees
200$ rewards
- Up to 10% travel rewards
- Spotify, Netflix, and Truth+ rebates (duration varies with maintained stake)
- Unlimited airport lounge access for cardholder plus one guest
- No monthly rewards cap
- Note: For cards issued before November 6, 2024, Expedia, Airbnb, X (Twitter), and Amazon Prime rebates discontinued from November 2, 2025
Ether.Fi Cash
Luxe
Visa
+133
USD
18$ fees
150$ rewards
- Seasonal rewards
- Priority support
- Crypto conference lounge access
- 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
- 2 free physical cards
- 5 virtual cards
Comparing Premium Options
When comparing premium crypto cards, evaluate the exclusivity of benefits, quality of concierge services, and network effects rather than just comparing reward percentages or staking requirements.
Key Features to Compare
- Comprehensiveness of travel and purchase protections
- Quality and availability of concierge services
- Exclusivity of events and experiences offered
- Network opportunities within premium cardholder community
- Unique rewards not available with standard cards
Comparison Tips
- Research the actual experience of concierge services beyond marketing claims
- Evaluate airport lounge access based on the networks covered and limitations
- Consider the social and networking value of exclusive events if relevant to you
- Calculate whether premium travel benefits exceed what's offered by premium credit cards
The best premium crypto card provides genuinely valuable exclusive benefits and experiences that justify its higher barriers to entry, rather than simply boosting standard features.
Frequently Asked Questions about Premium Options
1 Are premium crypto card benefits worth the high staking requirements?
This depends on your lifestyle and spending patterns. For frequent travelers who can utilize airport lounge access, concierge services, and travel benefits regularly, the value may exceed the opportunity cost of staking. Calculate the actual monetary value of benefits you'll use against what your staked amount could earn elsewhere.
2 What exclusive perks do premium crypto cards typically offer?
Premium crypto cards often include benefits like unlimited airport lounge access, dedicated concierge services, enhanced travel insurance, exclusive event invitations, higher spending and withdrawal limits, priority customer support, and occasionally unique experiences like crypto conferences or VIP events.
3 How do premium crypto card concierge services work?
Concierge services typically provide 24/7 assistance for travel bookings, restaurant reservations, gift purchases, event tickets, and other lifestyle requests. Quality varies significantly between providers, from basic outsourced services to dedicated concierge teams with blockchain expertise.
4 Can I temporarily upgrade to a premium card for specific benefits?
Some providers allow temporary upgrades by meeting staking requirements for a short period, but most premium benefits require maintaining the stake. A few platforms offer "pay-as-you-go" premium features where you can access specific benefits for a fee without long-term commitments.
5 How quickly are premium status and benefits activated after staking?
This varies by provider. Some activate premium benefits immediately upon meeting staking requirements, while others have waiting periods ranging from 24 hours to 30 days. Physical premium metal cards typically take 1-3 weeks to arrive, though virtual cards are usually available sooner.
Detailed Comparison
Compare premium cards with exclusive benefits
| Card | Cashback | Lounge Access Airport lounge access included | Staking Required Required staking amount | Effective Return Monthly effective value after fees | Monthly Fee Monthly maintenance fee | Details |
|---|---|---|---|---|---|---|
| Bybit Supreme VIP | 10% | Yes | 50000 tokens (≈$50,000) | $440/mo (8.80%) | Free | View Details |
| COCA Elite | 8% | No | 30000 COC (≈$30,000) | $400/mo (8.00%) | Free | View Details |
| Bybit VIP 5 | 8% | Yes | 20000 tokens (≈$20,000) | $340/mo (6.80%) | Free | View Details |
| Bybit VIP 4 | 6% | Yes | $10,000 | $240/mo (4.80%) | Free | View Details |
| Crypto.com Frosted Rose Gold / Icy White | 4% | Yes | $50,000 | $150/mo (3.00%) | Free | View Details |
| Ether.Fi Luxe | 3% | Yes | 15000 ETHFI (≈$11,968) | $133/mo (2.65%) | Free | View Details |
| Crypto.com Royal Indigo / Jade Green | 3% | Yes | $5,000 | $25/mo (0.50%) | Free | View Details |
| Revolut Ultra | 1% | Yes | None | -$20/mo (-0.41%) | $60 | View Details |
| Swissquote Elite | 0.5% | Yes | None | -$112/mo (-2.24%) | $39 | View Details |
