Premium Options

High-end cards with premium benefits, exclusive perks, and elevated status for those willing to stake more.

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Last updated: October 25, 2025 5 cards

About Premium Options

About 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.

Premium Options offer several unique advantages compared to traditional payment cards:

Elevated Cashback Rates

Industry-leading reward percentages that significantly outperform standard cards.

Concierge Services

Dedicated customer support and lifestyle assistance for booking travel, events, and exclusive experiences.

Luxury Travel Benefits

Comprehensive travel insurance, airport lounge access worldwide, and premium travel booking services.

Higher Spending Limits

Increased transaction and withdrawal limits suitable for high-value purchases and frequent travelers.

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 5 cards

Bybit logo

Bybit

Supreme VIP

Mastercard
+440
USD
60$ fees
500$ rewards
Cashback Rate
10%
Staking Required
50000 (≈$50,000)
  • Auto-Savings feature earning up to 8% APY on idle balances
  • 100% rebates on Netflix, Spotify, Amazon Prime, TradingView, and ChatGPT subscriptions
  • 100% rebates on premium AI services
  • 50% off airport lounge access
  • VIP Ambassador
  • Welcome & Birthday Gifts
  • Priority customer support
  • Mobile wallet integrations (Apple Pay, Google Pay, Samsung Pay)
  • Free physical card with expedited delivery (3 days)
View Full Details
COCA logo

COCA

Elite

Visa
+371
USD
29$ fees
400$ rewards
Cashback Rate
8%
Staking Required
30000 COCA (≈$17,731)
  • Free virtual card
  • Free physical card
  • Free worldwide shipping for physical card
  • 50% cashback on Netflix, Spotify, ChatGPT Plus, and Amazon Prime subscriptions
  • 6% APY on unlimited balance
  • Priority support level
View Full Details
Wirex logo

Wirex

Elite

Mastercard
+365
USD
35$ fees
400$ rewards
Cashback Rate
8%
Staking Required
7500000 WXT (≈$18,779)
  • 4% Cryptoback™ on card purchases (Entry tier)
  • 6% Cryptoback™ on card purchases (Enhanced tier)
  • 8% Cryptoback™ on card purchases (Ultimate tier)
  • Up to 16% annual on WXT balance
  • Up to 16% interest on X-Accounts
  • Highest transaction limits
  • Priority customer support
  • Maximum rewards potential for high-volume spenders
  • Curated elite offers from merchant partners
View Full Details
Ether.Fi logo

Ether.Fi Cash

Luxe

Visa
+133
USD
18$ fees
150$ rewards
Cashback Rate
3%
Staking Required
15000 ETHFI (≈$15,240)
  • 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
View Full Details

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 (8.81%) Free View Details
COCA
Elite
 8%
No
30000 COCA (≈$17,731) $371/mo (7.42%) Free View Details
Wirex
Elite
 8%
No
7500000 WXT (≈$18,779) $365/mo (7.30%) $30 View Details
Bybit
VIP 5
 8%
Yes
20000 tokens (≈$20,000) $340/mo (6.81%) Free View Details
Bybit
VIP 4
 6%
Yes
10000 tokens (≈$10,000) $240/mo (4.81%) Free View Details
Crypto.com
Frosted Rose Gold/Icy White
 3%
Yes
40000 USD worth of CRO (≈$40,000) $138/mo (2.75%) Free View Details
Ether.Fi
Luxe
 3%
Yes
15000 ETHFI (≈$15,240) $133/mo (2.65%) Free View Details
Crypto.com
Royal Indigo/Jade Green
 2%
Yes
4000 USD worth of CRO (≈$4,000) $38/mo (0.75%) Free View Details
Revolut
Ultra
 1%
Yes
None -$90/mo (-1.79%) $50 View Details