RewardsOptional crypto rewards on purchases, US card users only, variable reward rate (no fixed rate stated)
Annual fee$0 (no annual fee)
KYCFull
AvailabilityUS (all states except Hawaii)
RewardsUp 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%
Annual feeMidnight 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
KYCFull
Availability—
Rewards1% cashback on all crypto asset spending (excludes fiat, stablecoins, metals and stocks)
Annual fee€0 (free card, no monthly costs)
KYCFull
AvailabilityEuro area (EUR) resident countries only
RewardsUp to 2% crypto cashback in Credit Mode, tiered: Platinum 2% NEXO or 0.5% BTC, Gold 1% NEXO or 0.3% BTC, Silver 0.7% NEXO or 0.2% BTC, Base 0.5% NEXO or 0.1% BTC (cashback requires balance above $5,000 in digital assets)
Annual feeNo monthly, annual, or inactivity card fees
KYCFull
AvailabilitySelected European countries, including the EEA and the United Kingdom
RewardsUp to 4% crypto back: 4% on gas, EV charging & transit (up to $300/mo, then 1%), 3% dining, 2% groceries, 1% everything else
Annual fee$0 (no annual fee)
KYC—
Availability—
What beginners should prioritise
If this is your first crypto card, favour simplicity and support over squeezing out the highest rewards. That usually means a card from an established, regulated provider you already use, with a straightforward app, clear fees and responsive help. Most beginner-friendly cards are custodial — the provider handles the wallet for you, which is easier to start with even if it means trusting them with your balance.
Watch the basics
- KYC. Reputable cards require identity verification — that is normal and a good sign, not a red flag. Be wary of “no-KYC” cards that promise anonymity.
- Fees. Learn the real cost of spending — the FX fee and any conversion spread matter more than the headline cashback.
- Tax. In many countries, spending crypto is a taxable event. Keep records.
New to the idea entirely? Start with what a crypto card is, then compare a couple with our tool.
Our picks are editorial and based on the same scoring method we apply to every card. Some links may earn us a commission, which never affects a ranking. Information, not financial advice.