Best crypto cards with token rewards in 2026
Top crypto rewards cards
We reviewed the top crypto credit and debit cards to see which ones actually deliver value once fees, caps, and token risks are factored in. Our focus is on effective rewards, not marketing promises.
Some cards advertise headline rates of up to 10%, but in practice the fine print often cuts those down. We highlight which products offer steady returns and which rely on complex tiers or staking requirements.
Beyond rewards, we consider fees, security, and usability — from ATM charges and FX costs to whether the card is non-custodial or tied to a single platform — so you can see which cards hold up best for everyday use.
We avoid cards that have restrictions, such as a waitlist.
The List
For more accurate results, select your region:
Global
Crypto.com Ruby Credit Card
BEST OVERALL
Crypto.com Ruby Credit Card
The Block’s Score: 4.1
The Crypto.com Ruby Card offers 3.5% cashback, but fees or staking mean it pays off mainly for higher spenders.
Conditions
Staking/monthly fee
Type
Credit card
Rewards
3.5%
APR
18.24% - 32.24%
Sign up offer
$200*
Card details
Rewards
Our review
Gemini Credit Card
Gemini Credit Card
The Block’s Score: 4.0
The Gemini Credit Card offers up to 4% rewards with no annual fee or FX charges, but real rates often average closer to 1.5–2% depending on spending categories.
Conditions
None
Type
Credit card
Rewards
Up to 4%
APR
17.24 - 29.24%
Sign up offer
None
Card details
Rewards
Our review
EtherFi Cash Card
EtherFi Cash Card
The Block’s Score: 4.0
The EtherFi Card offers 3% cashback with a non-custodial design, but works best for users comfortable managing crypto vaults.
Conditions
Points
Type
Secured credit card
Rewards
3%
APR
4%
Sign up offer
15% cashback on food
Card details
Rewards
Our review
Coinbase One Card
Coinbase One Card
The Block’s Score: 4.0
A metal American Express card that offers bitcoin rewards for Coinbase One members, but its value depends heavily on assets held with Coinbase.
Conditions
Coinbase One membership
Type
Credit card
Rewards
Up to 4%
APR
From 19.99% to 29.99%
Sign up offer
None
Card details
Rewards
Our review
Uphold Essential Card
Uphold Essential Card
The Block’s Score: 4.0
A Visa debit card that lets US users spend directly from their Uphold balances and earn up to 4% back in XRP, dropping to 2% after 90 days.
Conditions
None
Type
Debit card
Rewards
2%
Sign up offer
Boosted rewards
Card details
Rewards
Our review
Gnosis Pay Card
BEST SELF-CUSTODIAL
Gnosis Pay Card
The Block’s Score: 4.0
The Gnosis Pay card links directly to a Safe wallet and offers up to 4% rewards, making it a strong choice for DeFi users willing to hold GNO.
Conditions
Holding GNO
Type
Debit card
Rewards
Up to 5%
Sign up offer
Free card
Card details
Rewards
Our review
Ready Metal Card
BEST DISCOUNT
Ready Metal Card
The Block’s Score: 4.0
The Ready Metal Card is a self-custody debit card that pays 3% cashback in STRK and includes exclusive partner perks. Use the code THEBLOCK for a 15% discount.
