2
Oobit
OobitRewardsUp to 10% cashback
Annual feeNone (card creation and holding free)
Availability100+ countries
8.7/10
Quick answer. Our top-rated right now: Bleap (8.9/10), Oobit (8.7/10), MetaMask Card (8.5/10). Rankings use our published scoring method and verified issuer data.
◆ #1 pick
Bleap
BleapWhy it wins. The Bleap card offers a strong combination of self-custody, cashback rewards, and fee-free transactions, making it a compelling choice for crypto-savvy users in Europe and Latin America.
RewardsUp to 20% cashback (20% streaming/gaming/AI subs; 3% rides & food delivery; 2% restaurants & supermarkets; 1% everything else), paid in USDC
Annual feeNone
CustodySelf-custodial
AvailabilityEurope and Latin America (incl. Mexico, Brazil)
More top picks
3
MetaMask Card
MetaMask (Consensys), issued on Mastercard · DebitRewardsVirtual: 1% mUSD back per transaction; Metal: 3% mUSD back on first $10,000 spend then 1%
Annual feeVirtual: free; Metal: $199/yr
Availability40+ countries incl. most EU, Canada, Latin America; Metal card available in the US; US and UK signups temporarily closed
8.5/10
#4
Gnosis Pay
Gnosis Pay (card issued by Monavate Limited under licence by Visa Europe Limited) · DebitRewardsUp to 5% cashback on eligible transactions, based on the amount of GNO held in wallet
Annual fee—
AvailabilityUK, EU (expanding)
8.4/10
#5
WhiteBIT Card (Nova)
WhiteBIT (issued by Wallester AS, Estonia) · DebitRewardsUp to 10% cashback on selected categories (EUR card max 25 EUR/month); USD card advertised up to 10% cashback; 3% 'Cashback Lite Mode' on every purchase
Annual feeNone (no opening, maintenance, closing, annual or monthly fees)
AvailabilityEEA: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, Iceland, Liechtenstein; plus Ukraine
8.4/10
#6
O
OKX Card
OKX · VirtualRewardsUp to 20% cashback in USDG on USDG purchases during launch (capped, tier-based); ongoing cashback rate depends on OKX VIP level with monthly limits
Annual fee$0 (no issuance, monthly, annual or inactivity fees)
AvailabilityEU + Norway (excludes Iceland & Liechtenstein) for the EEA card; other regional variants exist
8.3/10
#7
Zeal Card
Zeal (card issued by Monavate, via Gnosis Pay) · DebitRewardsUp to 4% cashback (cashback managed by Gnosis Pay, paid in GNO on Gnosis Chain; requires holding GNO in the Gnosis Pay card Safe)
Annual fee—
Availability150+ countries
8.3/10
#8
Kast Card
KAST · PrepaidRewardsCashback: 1.5% (Standard), 2% (Premium), 3% (Private); Premium/Private also earn +1%/+2% KAST Points
Annual feeStandard: Free; Premium: $1,000/year; Private: $10,000/year
Availability170+ countries (merchant acceptance)
8.2/10
#9
MEXC Card
MEXC · VirtualRewardsUp 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
Annual fee0 (no annual fee)
AvailabilityAvailable outside MEXC blacklist; excludes US, China, India, Indonesia, Turkey, Russia; eligible incl. Philippines, Taiwan, Vietnam, Thailand
8.2/10
#10
BingX Card
BingX · DebitRewardsUp to 5% cashback on purchases; up to 20% on subscriptions
Annual feeNo annual fee for life; virtual card issuance free (physical free for VIP)
Availability200+ countries and territories (per BingX announcement)
8.2/10
#11
B
Bybit Card
BybitRewards2%–10% cashback on everyday spending; 100% cashback on select subscriptions
Annual feeVirtual: free; Physical: 5–29.99 USD/yr (varies by region)
AvailabilityEEA, Switzerland, UK, Australia, Brazil, Argentina, Mexico, Peru, Kazakhstan (AIFC), APAC — availability and terms vary by region
8.1/10
#12
Bitget Wallet Card
Bitget Wallet · DebitRewards2% base assetback for all cardholders; up to 3% for new users or those meeting the $200–$400 monthly spend threshold. Assetback payable in BTC, gold, US stocks or USDC.
Annual fee$0
AvailabilityEEA & UK, Latin America (9 countries), APAC (10 regions), South Africa, Pakistan, Bangladesh
8/10
#13
Kraken Debit Card
Kraken (Payward) / Krak · DebitRewardsUK/EEA: tiered cashback 0%-2% by 30-day rolling balance (Starter 0%, Lite 0.5%, Pro 1%, Elite 1.5%, Max 2%), payable in Bitcoin or fiat; US Krak Card: up to 2% cashback, up to 4% boosted on travel via Krak Concierge
Annual feeNone (no monthly or annual fees)
AvailabilityUK and EEA (Mastercard); US Krak Card available in most US states except New York, Maine, Massachusetts, Indiana
8/10
#14
Tangem Pay
Tangem AG (card issued by Rain / Third National; program with Rain) · VirtualRewardsTiered cashback: Basic 1% (cap $100/mo), Plus 2% (cap $300/mo), Prestige 4% (cap $1,000/mo)
Annual feeBasic $0/mo; Plus $29.99/mo (waived with $4,500 monthly spend or $65,000 in Yield Mode); Prestige $999/year
AvailabilitySelect countries across USA, LATAM, APAC, MEA and Africa
8/10
#15
Uphold Card
Uphold · DebitRewardsEssential: 2% in XRP (up to $120). Elite: 4% back on Cryptocurrency/Metals funding and 3% on Fiat/Stablecoins, paid in XRP (up to $300).
Annual fee$0 (Essential); $99.99 (Elite)
AvailabilityUS only; excludes Louisiana, New York and US territories
7.9/10
The highest-cashback crypto cards
This page ranks the crypto cards with the highest cashback rates we track — but the headline rate is only the start of the story. The card that advertises the biggest percentage is not always the one that pays you the most, once caps, staking requirements and the reward asset are taken into account. Below we rank by rate while explaining exactly what to check so the “highest” cashback is real for you.
Why the headline rate can mislead
Three things stand between an advertised rate and what you actually earn. A monthly cap limits how much spending earns rewards, so a high rate can be capped to a small fixed amount. A staking tier may require locking up a large amount of the issuer’s token to reach the top rate. And the reward asset — a volatile token versus a stablecoin — determines whether the value you earn holds up. A lower uncapped, no-stake rate often beats a bigger conditional one.
Work out your real return
The only number that matters is what you net for your actual spending. Put your real monthly spend into our rewards calculator to compare a high-but-capped card against a lower uncapped one on equal terms. Model your everyday spending first and treat the top tier as a bonus, not the baseline.
Is staking for the top rate worth it?
Reaching the highest tier usually means staking the issuer’s token — capital you cannot spend and that is exposed to the token’s price. Estimate the extra cashback over a year against the amount staked and the risk of the token falling; if the bump is small relative to the stake, the top rate is effectively a leveraged bet. Many people earn more, net of risk, from a simple card.
Watch the fees
A high cashback rate is easily erased by fees — a foreign-exchange spread, top-up charges or an annual fee. Always weigh the rate against the full fee schedule; see our no-annual-fee and no-FX-fee rankings.
Reward asset and tax
Cashback paid in a volatile token can gain or lose value before you sell; stablecoin rewards hold their value. Receiving and later spending crypto rewards can also have tax implications in many countries. Keep records and treat this as general information, not advice. For the full picture, read our cashback guide.
How to choose
Start from the highest rates above, then filter for a realistic cap, no punishing stake, low fees and a reward asset you are comfortable with. Narrow the field with the card finder, or compare two options in the comparison 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.
Full data
These cards compared
Side by side — fees, rewards, custody and networks.
| Card | Score | Type | Networks | Annual fee | FX fee | Rewards | Custody |
|---|---|---|---|---|---|---|---|
| Bleap | 8.9/10 | — | Mastercard | None | None (0%, no markup) | Up to 20% cashback (20% streaming/gaming/AI subs; 3% rides & food delivery; 2% restaurants & supermarkets; 1% everything else), paid in USDC | Self-custodial |
| Oobit | 8.7/10 | — | Visa | None (card creation and holding free) | — | Up to 10% cashback | Self-custodial |
| MetaMask Card | 8.5/10 | Debit | Mastercard | Virtual: free; Metal: $199/yr | No additional MetaMask fee (uses Mastercard's exchange rate) | Virtual: 1% mUSD back per transaction; Metal: 3% mUSD back on first $10,000 spend then 1% | Self-custodial |
| Gnosis Pay | 8.4/10 | Debit | Visa | — | — | Up to 5% cashback on eligible transactions, based on the amount of GNO held in wallet | Self-custodial |
| WhiteBIT Card (Nova) | 8.4/10 | Debit | Visa | None (no opening, maintenance, closing, annual or monthly fees) | 1.5% conversion fee on non-USD payments (Visa exchange rate) on the USD card | Up to 10% cashback on selected categories (EUR card max 25 EUR/month); USD card advertised up to 10% cashback; 3% 'Cashback Lite Mode' on every purchase | Custodial |
| OKX Card | 8.3/10 | Virtual | Mastercard (EEA); Visa/Mastercard by region | $0 (no issuance, monthly, annual or inactivity fees) | None charged by OKX; 0.1% market spread on stablecoin-to-fiat conversion | Up to 20% cashback in USDG on USDG purchases during launch (capped, tier-based); ongoing cashback rate depends on OKX VIP level with monthly limits | Custodial |
| Zeal Card | 8.3/10 | Debit | Visa | — | No exchange fees; uses Visa mid-market rate | Up to 4% cashback (cashback managed by Gnosis Pay, paid in GNO on Gnosis Chain; requires holding GNO in the Gnosis Pay card Safe) | Self-custodial |
| Kast Card | 8.2/10 | Prepaid | Visa | Standard: Free; Premium: $1,000/year; Private: $10,000/year | — | Cashback: 1.5% (Standard), 2% (Premium), 3% (Private); Premium/Private also earn +1%/+2% KAST Points | Custodial |
| 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 |
| BingX Card | 8.2/10 | Debit | Visa | No annual fee for life; virtual card issuance free (physical free for VIP) | — | Up to 5% cashback on purchases; up to 20% on subscriptions | Custodial |
| Bybit Card | 8.1/10 | — | Mastercard/Visa | Virtual: free; Physical: 5–29.99 USD/yr (varies by region) | 0.5%–7% depending on region (on top of Mastercard/Visa FX rate); e.g. EEA 0.5%, Peru 1%, Brazil 1.5%, AU/MX/APAC/GE/KZ 2%, Argentina 7% | 2%–10% cashback on everyday spending; 100% cashback on select subscriptions | Custodial |
| Bitget Wallet Card | 8/10 | Debit | Visa/Mastercard (by region) | $0 | — | 2% base assetback for all cardholders; up to 3% for new users or those meeting the $200–$400 monthly spend threshold. Assetback payable in BTC, gold, US stocks or USDC. | Self-custodial |
| Kraken Debit Card | 8/10 | Debit | Mastercard (UK/EEA); Visa (US Krak Card) | None (no monthly or annual fees) | No FX markup (passes Mastercard exchange rate without markup); a variable spread applies when spending across assets | UK/EEA: tiered cashback 0%-2% by 30-day rolling balance (Starter 0%, Lite 0.5%, Pro 1%, Elite 1.5%, Max 2%), payable in Bitcoin or fiat; US Krak Card: up to 2% cashback, up to 4% boosted on travel via Krak Concierge | Custodial |
| Tangem Pay | 8/10 | Virtual | Visa | Basic $0/mo; Plus $29.99/mo (waived with $4,500 monthly spend or $65,000 in Yield Mode); Prestige $999/year | — | Tiered cashback: Basic 1% (cap $100/mo), Plus 2% (cap $300/mo), Prestige 4% (cap $1,000/mo) | Self-custodial |
| Uphold Card | 7.9/10 | Debit | Visa | $0 (Essential); $99.99 (Elite) | 0% (Elite); 1.50% (Essential) | Essential: 2% in XRP (up to $120). Elite: 4% back on Cryptocurrency/Metals funding and 3% on Fiat/Stablecoins, paid in XRP (up to $300). | Custodial |
Quick facts
Cards tracked15
Top ratedBleap · 8.9
No annual fee10
NetworksVisa & Mastercard
Frequently asked questions
What is the best highest cashback crypto cards?
Our current top pick is Bleap (8.9/10), followed by Oobit. All picks are scored on the same rubric and updated as terms change.
Are these picks paid placements?
No. Our rankings are editorial and based on the same scoring method we apply to every card. Some links may earn a commission, which never affects a ranking.