Quick answer. Our top-rated right now: MEXC Card (8.2/10), Crypto Life (CL) Card (7.7/10), Fuse Card (7.5/10). Rankings use our published scoring method and verified issuer data.
When diving into the world of cryptocurrency, finding the right card that offers staking rewards or staking-tier boosts can be a game-changer for your financial strategy. These cards not only provide the convenience of traditional payment methods but also allow you to earn rewards on your cryptocurrency holdings. In this guide, we’ll explore what to consider when choosing a crypto card with staking rewards, the top options available, and common pitfalls to avoid.
Staking rewards are incentives provided to users who lock up a certain amount of cryptocurrency to support the operations of a blockchain network. For crypto card users, staking can unlock additional benefits such as higher cashback rates, reduced fees, or other exclusive perks. These rewards can significantly enhance the value you get from your card, making it crucial to understand how they work and how to maximize them.
When evaluating crypto cards with staking rewards, consider the following:
Here are some of the top crypto cards that offer staking rewards or staking-tier boosts:
When choosing a crypto card with staking rewards, be aware of the following pitfalls:
A: It depends on the card and its specific terms. Some cards allow flexible unstaking, while others may impose lock-up periods or penalties for early withdrawal.
A: Tax regulations vary by jurisdiction. It’s advisable to consult with a tax professional to understand the implications of staking rewards in your location.
A: Consider your budget, financial goals, and the rewards offered at each tier. Choose a tier that balances the benefits you desire with the amount you are comfortable staking.
Side by side — fees, rewards, custody and networks.
| Card | Score | Type | Networks | Annual fee | FX fee | Rewards | Custody |
|---|---|---|---|---|---|---|---|
| MEXC Card | 8.2/10 | Virtual | Visa (Visa Platinum) | 0 (no annual fee) | No FX markup on Visa exchange rate; no crypto conversion fee | Up to 10% cashback in USDT, tiered by M-Score: Standard 4% (cap 100 USDT/mo), Premier 6% (cap 300 USDT/mo), Elite 10% (cap 800 USDT/mo); paid in USDT by 15th of following month | Custodial |
| Crypto Life (CL) Card | 7.7/10 | Debit | Mastercard, Visa | None (free card, no subscription fee) | — | 1% reward on total card transactions (in BTC or USDT), or 2% if reward is taken in BXX | Self-custodial |
| Fuse Card | 7.5/10 | Virtual | Visa | — | — | — | Self-custodial |
| Crypto.com Visa Card | 7.3/10 | Prepaid | Visa | Midnight Blue free; Ruby $4.99/mo or $49.90/yr (or $500 CRO stake); Royal Indigo $29.99/mo or $299.90/yr (or $5,000 CRO stake); higher tiers require CRO stake | 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) | Up to 4.5% back in CRO on spending, tiered: Ruby Steel 1.5% (up to $750/mo), Royal Indigo 2.5% (up to $1,500/mo), Rose Gold 3.5% (up to $3,000/mo then 0.5%), Obsidian 4.5% (up to $5,000/mo then 1%); Midnight Blue 0% | Custodial |
| Vivid Money Card | 7/10 | Debit | Visa | — | — | 0.5% cashback on every card transaction (1.5% for Prime); up to ~4% on a chosen category; cashback payable as Crypto Rewards | Custodial |
| Tap Card | 6.7/10 | Debit | Mastercard | — | — | Tiered cashback paid in XTP token, based on XTP held: Essential 0.5%, Plus 1.5%, Prime 3%, Premier 4%, Platinum 6%, Prestige 8% | — |
| hi Card | 6.6/10 | Debit | Mastercard | — | — | Spend Rewards paid in HI token, by membership tier — CURRENTLY SUSPENDED (HI, Crypto and Fiat Spend Rewards suspended until further notice) | Custodial |