Top 7 Crypto Credit Cards 2025: Reviews and Rewards

Crypto credit cards are transforming the way people spend digital assets, combining the convenience of traditional payment cards with the benefits of cryptocurrency. They allow users to make everyday purchases using digital currencies and earn rewards in crypto. 

With many options available, it is essential to understand how these cards operate, the costs involved, and the rewards they offer. This guide examines the top seven crypto credit cards of 2025, providing a clear comparison of their features and benefits.

Understanding Crypto Credit Cards

Crypto credit cards work much like regular debit or credit cards but use cryptocurrency for payments. To start, users must sign up with a card provider and complete identity verification, ensuring compliance with Know-Your-Customer regulations. Some cards include integrated wallets, while others require linking an existing crypto wallet.

When making purchases in stores, the cryptocurrency is converted into fiat currency in real-time, reflecting current exchange rates. Online transactions follow a similar process, converting crypto automatically at checkout. ATM withdrawals are possible with many cards, though fees may apply depending on the provider.

Security is a priority for crypto cards. Most come with PIN protection, chip technology, two-factor authentication, and instant card-freezing features if the card is lost. Providers also monitor transactions for unusual activity. 

Despite their convenience, users should exercise caution, as crypto values fluctuate and not all cards are available worldwide. Transparency regarding fees and terms can vary between issuers, so thorough research is essential.

Read Also: EtherFi Cash Visa Credit Card

Top Crypto Credit Cards for 2025

Coinbase Card

Coinbase’s debit card allows users to spend directly from their Coinbase account, earning crypto rewards on purchases. There are no annual fees, and the card works anywhere Visa is accepted. The upcoming Coinbase One Card, a credit option, promises up to 4% back in Bitcoin for eligible users, though it requires a membership.

Gemini Credit Card

This Mastercard credit card delivers instant crypto rewards of up to 4% on qualifying purchases. While payments cannot be made with crypto directly, the rewards are deposited immediately, allowing users to benefit from potential market gains.

Crypto.com Card

A prepaid card with multiple tiers, Crypto.com rewards users based on the amount of their CRO token staked. Benefits include subscription rebates, cashback rewards, and premium perks for higher-tier cards, such as airport lounge access and exclusive travel privileges.

Bybit Card

The Bybit debit card supports several cryptocurrencies, including Bitcoin and Ethereum. Users can earn loyalty points redeemable for crypto or vouchers and earn interest on idle assets through a flexible savings feature. It is available in Australia and Europe, with limited free ATM withdrawals.

BasedApp Card

BasedApp’s Visa card allows deposits from Solana, Arbitrum, and Polygon, enabling spending in over 160 countries. The card comes in Standard, Hype, and Gold tiers, each with unique annual fees and benefits, offering flexibility for different spending levels.

Gnosis Pay Card

A self-custodial card, Gnosis Pay enables direct crypto spending without transaction fees. Funds remain under the user’s control in a blockchain wallet, providing high security and gas-free transactions. It is available in several European countries.

ether.fi Cash

ether.fi Cash is a non-custodial credit card that allows users to spend crypto anywhere VISA is accepted. The card provides cashback rewards, with annual fees ranging from 0.01 ETH to 1 ETH depending on the tier. It eliminates the need for gas fees and allows users to maintain full control over their assets.

Solayer Emerald Card

Solayer’s Emerald Card operates on the InfiniSVM blockchain, enabling real-time on-chain payments. Users can spend USDC directly, earn yield through sUSD, and participate in an on-chain rewards programme. Fees include minor top-up and transaction charges.

MetaMask Card

MetaMask offers both virtual and premium metal cards, converting crypto to fiat at the point of transaction. It supports multiple tokens and integrates with mobile wallets for Apple Pay and Google Pay, providing flexible global spending options.

KAST Card

KAST cards provide multi-chain support and SOL staking rewards. Users can earn up to 21% APY on staked assets, depending on the card tier, which ranges from free standard options to premium cards with higher annual fees and exclusive benefits.

Read Also: Continental Finance, Solutions for Low Credit Scores?

Comparing Features, Fees, and Rewards

Choosing the right card depends on fees, rewards, supported cryptocurrencies, and geographic availability. Debit cards like Coinbase and Bybit are user-friendly for direct crypto spending, while credit cards such as Gemini and ether.fi focus on rewards and cashback. Prepaid cards like Crypto.com provide tiered perks, staking rewards, and subscription rebates.

Fees vary widely. Some cards have no annual charges but restrict free ATM withdrawals. Others, like KAST or BasedApp, require significant yearly payments for premium tiers but offer enhanced rewards. Users must also consider foreign transaction fees, crypto conversion costs, and potential gas fees.

Rewards are a key differentiator. Some cards provide instant crypto cashback, while others offer staking incentives or subscription reimbursements. It’s important to remember that crypto volatility can affect the real value of these rewards.

When comparing cards, consider their type—debit, credit, or prepaid—and whether the card is custodial or non-custodial. Custodial cards simplify management by handling your crypto, while non-custodial cards give users full control but require active oversight.

Read Also: Unlock the Future of Memecoin Spending with Mastercard

Conclusion

Crypto credit cards make it easier to integrate digital assets into everyday spending. They combine convenience, security, and rewards, though careful selection is necessary to match personal needs. Debit, credit, and prepaid options each have unique advantages, and non-custodial cards provide greater control for experienced users.

Always conduct thorough research before applying for a card or staking digital assets. The crypto market is volatile, and rewards fluctuate in value, so careful evaluation of fees, availability, and security is essential. This guide provides a comprehensive overview of the top cards in 2025, helping users make informed decisions.

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FAQ

What is a crypto credit card?

A card that allows spending cryptocurrency or earning crypto rewards while making everyday purchases.

Can I withdraw cash with a crypto card?

Yes, most cards allow ATM withdrawals, although fees and limits vary.

Are crypto credit cards safe?

Yes, they usually include PIN protection, chip technology, and two-factor authentication.

Which cards provide the best rewards?

Gemini, KAST, and Crypto.com cards offer high cashback, staking rewards, or subscription benefits.

Do all crypto cards work globally?

No. Card availability depends on regional regulations and issuer policies.