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.