A high cashback rate can be outweighed by conversion, foreign-exchange, membership or borrowing costs. We compare how each crypto card is funded, what rewards actually qualify and which custody and regional restrictions matter.
- Funding method: fiat, crypto sale or collateralised credit
- Cashback caps, exclusions and membership requirements
- Conversion, FX, ATM and borrowing costs
Ether.fi Cash: the card we track most closely
Verified 3% cashback applies to the published first monthly spending bands for Core, Luxe and Pinnacle; category cashback can reach 30% on selected subscriptions with monthly caps.
Find the structure that fits your money
Filter by access and funding model before comparing headline rewards.
Ether.fi Cash
Crypto-native credit card
Progressive bands by membership and currency; ETHFI settlement and exclusions apply.
- Funding
- Direct balance · Collateralised credit
- Custody
- Onchain smart-account structure
- FX / conversion
- EUR zero-markup offer in beta; broader conversions use separate terms
- Availability
- Broad published country list; US access depends on state and KYC.
- Mobile wallets
- Apple Pay · Google Pay
Watch first: Borrow mode adds variable interest and liquidation risk.
Open independent researchBybit Card
Exchange-linked debit card
Eligible non-VIP purchases; separate VIP tiers and exclusions apply.
- Funding
- Direct balance · Exchange balance
- Custody
- Bybit EU Funding Account
- FX / conversion
- 0.5% outside card currency; 0.9% crypto conversion when applicable
- Availability
- Supported European residents through Bybit EU; application and KYC required.
- Mobile wallets
- Apple Pay · Google Pay
Watch first: Crypto conversion can consume most of the standard reward.
Open independent researchJupiter Card
USD debit card
Automatic on qualifying purchases; standard $100 monthly account cap.
- Funding
- Direct balance
- Custody
- USDC/USDT converted into a USD Spend balance
- FX / conversion
- 1% with Rain or 1.8% with DCS on non-USD spending
- Availability
- Selected countries and US states. Spain was not on the published list when checked.
- Mobile wallets
- Apple Pay · Google Pay where supported
Watch first: A strong USD reward can become weak after FX; issuer depends on residence.
Open independent researchTuyo Card
Self-custodial stablecoin card
Buy Now, Pay Maybe can cover selected purchases; it is not predictable cashback.
- Funding
- Direct balance
- Custody
- Self-custodial USDC on Base, including optional Earn balance
- FX / conversion
- Provider says the possible FX spread is usually below 1%
- Availability
- Country restrictions apply; the product is not intended for people in the UK.
- Mobile wallets
- Apple Pay · Google Pay
Watch first: Earn introduces third-party DeFi and variable-yield risk.
Open independent researchXPlace
Cash and collateralised credit card
USDC cashback only in Credit Mode, with membership-specific monthly caps.
- Funding
- Direct balance · Collateralised credit
- Custody
- Non-custodial Solana structure using third-party protocols
- FX / conversion
- 0% provider FX on Platinum; live pricing applies to other plans
- Availability
- Services are not available in every jurisdiction; KYC and partner approval apply.
- Mobile wallets
- Apple Pay · Google Pay
Watch first: Credit Mode exposes collateral to variable borrowing and liquidation risk.
Open independent researchKrak Card
Multi-asset debit card
Uncapped eligible cashback based on the rolling 30-day average account balance.
- Funding
- Direct balance · Exchange balance
- Custody
- Krak/Kraken account balance with configurable spend order
- FX / conversion
- Primary-currency spending is simplest; crypto and other assets can incur conversion spread
- Availability
- Regional card programmes exist for eligible EEA, UK and US customers.
- Mobile wallets
- Apple Pay · Google Pay · Samsung Pay where supported
Watch first: The 2% tier currently requires a €50,000/£50,000 average balance outside the US changes.
Open independent researchCompare, calculate and understand
How to compare crypto cards
What is the best crypto card?
There is no universal winner. The best fit depends on your spending currency, funding method, eligible cashback, fees, custody preference and country.
Is crypto-card cashback always worth it?
No. Calculate net value after membership, conversion, FX, ATM and financing costs, then apply realistic reward caps and exclusions.