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.
When it comes to maximizing your returns on everyday spending, crypto cards with high cashback rates can be an attractive option. However, choosing the right card requires careful consideration of various factors beyond just the advertised cashback rate. This guide will help you navigate the key aspects to consider when selecting a crypto card with the highest cashback, and highlight some of the top options currently available.
Cashback on crypto cards works similarly to traditional cashback credit cards, but with a crypto twist. Instead of receiving fiat currency as a reward, you earn cryptocurrency. This can be an excellent way to accumulate digital assets while spending. However, the value of your rewards can fluctuate based on the volatile nature of cryptocurrencies.
Here are some key points to understand:
Selecting the right card involves evaluating several factors to ensure it aligns with your spending habits and financial goals. Here are the most critical aspects to consider:
Here are some of the top contenders in the crypto cashback card space:
A: Like any financial product, the safety of crypto cashback cards depends on the security measures implemented by the issuer. Look for cards that offer robust security features such as two-factor authentication and encryption.
A: Many crypto cashback cards are designed for international use and offer competitive foreign exchange rates. However, it’s essential to check the card’s terms and conditions for any specific restrictions or fees related to international transactions.
A: Redemption processes vary by card. Some cards allow instant redemption, while others require you to reach a certain threshold before you can redeem. Always review the card’s terms to understand the redemption process and any associated fees.
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 |