The term "crypto credit card" covers two quite different products: cards that pay rewards in crypto (but work like a normal credit card), and cards that let you borrow against crypto you own. Both are ranked below — read which type each one is before applying.
Quick answer. We track and verify 5 credit crypto cards. Our top-rated right now: Nexo Card (7.8/10), Gemini Credit Card (7.1/10), Fold Card (6.7/10). Rankings use our published scoring method and verified issuer data.
Crypto-rewards credit cards work exactly like a regular credit card — you borrow in dollars/euros and repay monthly — but your rewards are paid in Bitcoin or another crypto instead of points. Your credit line has nothing to do with crypto.
Crypto-backed credit lines are different: you pledge crypto as collateral and spend against it without selling. This avoids a taxable sale, but it carries liquidation risk — if your collateral falls in value, it can be sold to cover the balance.
These are financial products with real risk — this is information, not advice. Compare options with our tool and see the scoring on How We Rate.
Every credit card we track, side by side — fees, rewards, custody and networks.
| Card | Score | Type | Networks | Annual fee | FX fee | Rewards | Custody |
|---|---|---|---|---|---|---|---|
| Nexo Card | 7.8/10 | Credit | Mastercard | No monthly, annual, or inactivity card fees | Weekdays: 0.2% (EEA/UK/CH), 2% (rest of world); Weekends: 0.7% (EEA/UK/CH), 2.5% (rest of world) | Up 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) | Custodial |
| Gemini Credit Card | 7.1/10 | Credit | Mastercard | $0 (no annual fee) | No foreign transaction fees | Up to 4% crypto back: 4% on gas, EV charging & transit (up to $300/mo, then 1%), 3% dining, 2% groceries, 1% everything else | Custodial |
| Fold Card | 6.7/10 | Prepaid / Credit | Visa | $0 (Fold Bitcoin Credit Card has no annual fee; other fees may apply) | — | Bitcoin rewards: credit card earns 1.5% back in bitcoin on eligible net purchases with no cap; up to 4% possible with bonuses (e.g. DCA setup, bitcoin statement payment). Debit card also earns bitcoin rewards (rate not detailed). | Custodial |
| Ether.fi Cash | 6.6/10 | Credit | Visa | — | — | Cash back on every purchase (specific rate not stated on official pages read) | Self-custodial |
| Robinhood Gold Card | 6.5/10 | Credit | Visa | No card annual fee, but requires a Robinhood Gold subscription ($50/year) | — | 3% cash back on all categories (3x points); up to 5x points on travel booked via the Travel Portal; points redeemable into cryptocurrency via Robinhood Crypto at $0.01 per point | Custodial |