Best Cards for US Users - Best Crypto Cards

About Best Cards for US Users

Cards specifically available in the United States, ranked by overall value based on typical US user parameters.

US-friendly crypto cards are specifically designed to work seamlessly within the United States regulatory framework, offering reliable service and benefits tailored for American residents.

Browse our selection of cards available to US users, with features like USD-native transactions, integration with US banking systems, and compliance with local regulations.

US-Friendly Cards offer several unique advantages compared to traditional payment cards:

US Availability

Full compliance with US regulations, ensuring ongoing availability and support for American residents.

Regulatory Compliance

Cards issued by providers who have obtained necessary licenses to operate in the United States, reducing legal concerns.

Local Banking Integration

Seamless integration with US banking systems, allowing for easy transfers from your existing bank accounts.

USD Support

Native USD transactions without needing currency conversion, reducing potential fees and simplifying accounting.

Regional Perks

Special offers and cashback bonuses for popular US merchants and services you regularly use.

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:

Monthly Spend

$2,000

Staking Budget

$1,000

Fx Spend Percentage

10%

Atm Withdrawal Percentage

5%

The ranking considers calculated cashback minus fees based on the typical user profile above. It includes only cards available in the United States, factoring in features and tier balancing.

Top Best Cards for US Users

KAST

K Card

Visa

54$ monthly return

6$ fees | 60$ rewards

Cashback 3%

Staking Req. None

Instant virtual card issuance
High spending limits with no daily cap
Internal transfers free up to $10,000/day

View Details

Ether.Fi

Core

Visa

38$ monthly return

2$ fees | 40$ rewards

Cashback 2%

Staking Req. 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

View Details

Gemini

Standard

Mastercard

8$ monthly return

0$ fees | 8$ rewards

Cashback 4%

Staking Req. None

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

View Details

Metamask

Virtual Card

Mastercard

2$ monthly return

18$ fees | 20$ rewards

Cashback 1%

Staking Req. None

True self-custody model with funds remaining in your wallet until point of purchase
1% cashback
Direct spending from MetaMask wallet without transferring to third parties
No bank account required for crypto spending
Full control of funds until the moment of payment
Minimal transaction fees
Global acceptance at any Mastercard merchant
Instant digital issuance

View Details

Crypto.com

Ruby Steel

Visa

0$ monthly return

0$ fees | 0$ rewards

Cashback 1%

Staking Req. 400 USD worth of CRO (≈$400)

No annual fees
100% Spotify rebate (6 months)
Free initial issuance

View Details

Coinbase

Standard

Visa

-20$ monthly cost

40$ fees | 20$ rewards

Cashback 1%

Staking Req. None

Automatic conversion of cryptocurrency to fiat at point of sale
Compatible with 250+ cryptocurrencies from Coinbase account
Crypto rewards program for U.S. cardholders (0.5-1%)
No foreign transaction fees for international purchases
Instant notifications for all transactions
Direct deposit capability
Ability to select which cryptocurrency to spend from the Coinbase app

View Details

Comparing US-Friendly Cards

When comparing crypto cards for US users, focus on regulatory standing, integration with US banking systems, and availability across different states rather than just comparing reward rates.

Key Features to Compare

Licensing status within the United States financial system
Availability in your specific state (some cards have state restrictions)
Integration capabilities with major US banks
USD deposit and withdrawal options
Cashback offers specific to US merchants

Comparison Tips

Check if the card is available in all 50 states or has restrictions
Evaluate funding options specific to US banking systems (ACH, wire transfers)
Consider tax reporting features that help with US crypto tax compliance
Look for USD-native options that avoid forex conversion fees

The ideal US-friendly crypto card offers full compliance, widespread state availability, and seamless integration with US financial systems while still providing competitive rewards.

Frequently Asked Questions about US-Friendly Cards

Why are some crypto cards not available in the US?

The United States has strict financial regulations regarding cryptocurrency services, including requirements for money transmitter licenses, compliance with Bank Secrecy Act provisions, and state-by-state licensing. Some international card issuers choose not to serve the US market due to these regulatory complexities.

Do I need to report my crypto card transactions for US tax purposes?

Yes, crypto card spending is generally considered a taxable event in the US, as it involves converting cryptocurrency to fiat currency. Each purchase may create a capital gain or loss that should be reported to the IRS. Some US-friendly card providers offer tax reporting features to help track these transactions.

Can I directly connect my US bank account to these crypto cards?

Yes, US-friendly crypto cards typically offer integration with US banking systems through ACH transfers, wire transfers, or even direct deposit options. This allows for seamless funding from your existing bank accounts without additional conversion steps or international transfer fees.

Are there state restrictions for crypto cards within the US?

Yes, some crypto cards may not be available in certain states due to varying state-level regulations. States like New York, which has the BitLicense requirement, or Hawaii, which has strict money transmitter laws, often have more limited crypto card options. Always check if a card is available in your specific state.

How does FDIC insurance work with US crypto cards?

While cryptocurrencies themselves are not FDIC insured, some US-friendly crypto cards partner with FDIC-insured banks to hold USD deposits. This means that your dollar balance (before conversion to crypto) may be eligible for FDIC protection up to $250,000. The specifics vary by provider, so check their terms regarding deposit insurance.

Comparison Table

Compare cards available to US residents

Card	Cashback	USD Native Supports USD natively	Special Benefits	State Restrictions Available in all 50 states	Monthly Fee	Details
KAST K Card	3%	N/A	N/A	N/A	Free	View Details
Ether.Fi Core	2%	N/A	N/A	N/A	Free	View Details
KAST Solana Illuma	6%	N/A	N/A	N/A	Free	View Details
KAST X Card	6%	N/A	N/A	N/A	Free	View Details
Gemini Standard	4%	N/A	N/A	N/A	Free	View Details
Metamask Virtual Card	1%	N/A	N/A	N/A	Free	View Details
Crypto.com Ruby Steel	1%	N/A	N/A	N/A	Free	View Details
Coinbase Standard	1%	N/A	N/A	N/A	Free	View Details
Crypto.com Midnight Blue	0%	N/A	N/A	N/A	Free	View Details
Cypher Standard	0%	N/A	N/A	N/A	Free	View Details
Cypher Premium	0%	N/A	N/A	N/A	Free	View Details
Avalanche Standard	0%	N/A	N/A	N/A	Free	View Details
SolCard Mastercard SolCard	0%	N/A	N/A	N/A	$1	View Details
SolCard Visa SolCard	0%	N/A	N/A	N/A	$1	View Details
Stealths Standard	0%	N/A	N/A	N/A	Free	View Details