Best Cards for US Users

Cards specifically available in the United States with compliant features, reliable service, and benefits tailored for US residents.

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Last updated: October 25, 2025 6 cards

About Best Cards for US Users

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.

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

Showing 6 cards

KAST logo

KAST

K Card

Visa
+54
USD
7$ fees
60$ 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
+38
USD
2$ fees
40$ 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
+18
USD
2$ fees
20$ 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
+20
USD
0$ fees
20$ 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
Coinbase logo

Coinbase

Coinbase Visa Debit Card

Visa
+10
USD
10$ fees
20$ 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)

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

1 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.

2 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.

3 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.

4 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.

5 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.

Detailed Comparison

Card Cashback Staking Effective Return Availability Details
KAST
K Card
3% None $54/mo (2.67%)
Global
113 countries
View Details
Uphold
Elite
3% None $52/mo (2.58%)
2 countries
2 countries
View Details
Uphold
Essential
2% None $40/mo (2.00%)
2 countries
2 countries
View Details
Ether.Fi
Core
2% None $38/mo (1.90%)
Global
181 countries
View Details
KAST
Solana Illuma
6% None $33/mo (1.63%)
Global
113 countries
View Details
KAST
X Card
6% None $33/mo (1.63%)
Global
113 countries
View Details
Crypto.com
Ruby Steel
1% 400 USD worth of CRO (≈$400) $18/mo (0.90%)
Europe & North America
46 countries
View Details
UGLYCASH
Standard
1% None $18/mo (0.90%)
South America & North America
19 countries
View Details
Gemini
XRP Edition
1% None $20/mo (1.00%)
2 countries
2 countries
View Details
Gemini
Classic
1% None $20/mo (1.00%)
2 countries
2 countries
View Details
Gemini
Solana Edition
1% None $20/mo (1.00%)
2 countries
2 countries
View Details
Uphold
UK Standard
1% None $20/mo (1.00%)
2 countries
2 countries
View Details
Coinbase
Coinbase Visa Debit Card
1% None $10/mo (0.50%)
Europe
32 countries
View Details
Cypher
Standard
1% None $7/mo (0.35%)
South America, Europe & more
36 countries
View Details
Metamask
Virtual Card
1% None $2/mo (0.12%)
South America, Europe & more
37 countries
View Details