US Availability
Full compliance with US regulations, ensuring ongoing availability and support for American residents.
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Last updated: December 12, 2025 8 cards
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.
Regulatory Compliance
Cards issued by providers who have obtained necessary licenses to operate in the United States, reducing legal concerns.
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Local Banking Integration
Seamless integration with US banking systems, allowing for easy transfers from your existing bank accounts.
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USD Support
Native USD transactions without needing currency conversion, reducing potential fees and simplifying accounting.
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How Cards Are Ranked
Cards in this category are ranked based on estimated monthly value using these assumptions:
Monthly Spend
$2,000
Staking Budget
$1,000
Fx Spend Percentage
10%
Atm Withdrawal Percentage
5%
The ranking considers calculated cashback minus fees based on the typical user profile above. It includes only cards available in the United States, factoring in features and tier balancing.
Top Best Cards for US Users
Showing 8 cards
Winity Life
Exclusive
Visa
+138
USD
2$ fees
140$ rewards
- WinBack Points rewards system
- Instant virtual card issuance
- Apple Pay and Google Pay integration
- Global Visa acceptance at 100+ million merchants
- 24/7 customer support via multiple channels
- Customizable card designs via mobile app
- Real-time crypto-to-USD conversion
- Enterprise-grade security with multi-factor authentication
- Zero conversion fees for WCO deposits
- Customizable spending limits and instant card lock/unlock
Rizon
Standard
Visa
+95
USD
5$ fees
100$ rewards
- Non-custodial architecture with full user control of stablecoins
- RIZpoints rewards program with up to 5% cashback
- Up to 20 RIZpoints (valued $200) for each successful referral
- Maximum of 10 friends can be referred for total of $400 in rewards
- Free stablecoin transfers to other Rizon users
- Instant virtual card issuance upon verification
- No staking requirements to access features or benefits
- Multi-chain support for deposits (Solana, Polygon, Base, Arbitrum, Optimism, Avalanche, Ethereum)
- Global usage at over 100 million merchants and ATMs where Visa is accepted
Tria
Premium
Visa
+93
USD
27$ fees
120$ rewards
- Crypto yield opportunities: Up to 15% APY
- Unlimited airport lounge access
- Comprehensive travel insurance
- Purchase protection: Up to $10,000 (Visa Signature benefits)
- Referral program: $650,000 airdrop campaign for early adopters, 20% membership fee discounts
- AI-powered portfolio research and management features
- Real-time card controls via app
- Visa Zero Liability protection
Gemini Credit
XRP Edition
Mastercard
+80
USD
0$ fees
80$ rewards
- Up to 4% back on gas, EV charging, transit & rideshares (up to $300 monthly spend, then 1%)
- 3% back on dining
- 2% back on groceries
- 1% back 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: Refer friends, earn up to $5,000 in XRP
- Choose from 50+ cryptocurrencies for rewards with ability to switch anytime
- Instant crypto rewards deposited directly to Gemini account
- Vault Rewards: up to 10% back at select merchants (monthly per-merchant caps apply)
- Merchant Rewards Offers program with rotating partner merchants
- Special cardholder discounts for Peacock Premium, Instacart, ResortPass, Lyft, Booking.com, and more
- Mastercard World Elite benefits
- Mastercard Zero Liability Protection
- ID Theft Protection
- Instant card lock functionality via app
- Virtual card available immediately upon approval
- No visible card number on physical card (stored in Gemini app)
- Limited-edition metal design themed for XRP
UGLYCASH
Ridiculously Exclusive
Visa
+60
USD
20$ fees
80$ rewards
- 2-4% cashback based on weekly average balance
- Up to 8% APY on eUSD stablecoin balances
- Weekly cashback distribution in RSR tokens
- Priority invite access to physical card
- Enhanced fee coverage
- Global Visa acceptance
- U.S. bank account with ACH routing
- European IBAN virtual account
- Mexican CLABE virtual account
- Zero-fee transfers between UGLYCASH users worldwide
- Mobile wallet support (Apple Pay, Google Pay)
- Payment integration with Venmo, Cash App, Zelle (U.S. users)
- Referral program with 1% APY boost for new users
- Monthly cashback cap: $2,000 (reverts to 1% after cap)
KAST
K Card
Visa
+54
USD
7$ fees
60$ rewards
- 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 Cash
Core
Visa
+38
USD
2$ fees
40$ rewards
- 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
Wirex
Standard
Visa / Mastercard
+10
USD
0$ fees
10$ rewards
- Cryptoback™ rewards: Entry 0.5%, Enhanced 1%
- X-Accounts interest: Up to 16% (Enhanced tier)
- Savings bonus: Up to 1% annual on WXT balance
- Free multicurrency individual IBANs
- Free SEPA transfers via OpenPayd
- Real-time crypto-to-fiat conversion
- Support for 40+ cryptocurrencies and 12+ fiat currencies
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 |
|---|---|---|---|---|---|
| Winity Exclusive | 7% | None | $138/mo (6.92%) | Global 191 countries | View Details |
| Rizon Standard | 5% | None | $95/mo (4.75%) | South America & North America 22 countries | View Details |
| Tria Premium | 6% | None | $93/mo (4.66%) | Global 174 countries | View Details |
| Winity Executive | 8.5% | None | $87/mo (4.33%) | Global 191 countries | View Details |
| Gemini XRP Edition | 4% | None | $80/mo (4.00%) | Multiple regions 52 countries | View Details |
| Gemini Solana Edition | 4% | None | $80/mo (4.00%) | Multiple regions 52 countries | View Details |
| Gemini Business Card | 4% | None | $80/mo (4.00%) | Multiple regions 52 countries | View Details |
| Tria Signature | 4.5% | None | $75/mo (3.75%) | Global 174 countries | View Details |
| UGLYCASH Ridiculously Exclusive | 4% | None | $60/mo (3.00%) | South America & North America 15 countries | View Details |
| KAST K Card | 3% | None | $54/mo (2.67%) | Global 113 countries | View Details |
| Uphold US Elite | 3% | None | $52/mo (2.58%) | 2 countries 2 countries | View Details |
| Uphold US 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 X Card | 6% | None | $33/mo (1.63%) | Global 113 countries | View Details |
| KAST Solana Illuma | 6% | None | $33/mo (1.63%) | Global 113 countries | View Details |
