If cashback is the main thing you want from a crypto card, this page is for you. We track 78 crypto cards, and 44 of them pay cashback on your spending - the other 34 pay none at all.
The Advertised Rate Is Not What You Get
The highest advertised cashback % is usually not what you get on the free tier. You may need to pay a monthly fee or stake a large amount of tokens to unlock it.
That’s why the comparison below leads with the entry-level rate - what you earn on the Free tier - and shows each card’s top tier next to it: the rate, the tier you need, what it costs to reach, and where the monthly caps kick in.
You seem to be located in United States right now, so we’ve marked the cards that support United States below. Out of the 22 crypto cards available in United States, 10 offer cashback.
All Crypto Cards With Cashback, Compared
Kolo
5%
free tier
$100
monthly cap
same on every tier
When you use the Kolo Card, you can earn 1–5% Bitcoin cashback on your purchases. Simply spend with your Kolo card and the cashback will be credited to your BTC balance, usually within about five days after the transaction.
When you first sign up, you will receive 5% cashback on all your card transactions. The cashback percentage will change after your first month:
| Kolo Account Age | Cashback Rate | Max Cashback per Purchase | Max Cashback per Month |
| 1st Month | 5% | $5 | $100 |
| After First Month | 1% | $1 | $100 |
If you continue holding your cashback in BTC, the value of the rewards may increase over time if Bitcoin appreciates.
To create a new card, you’ll need to deposit 10 USDC. This isn’t a fee — the full amount is yours to spend, so the card is essentially free to open.
Gemini Supports 
United States
3%
free tier
$750
monthly cap
same on every tier
- 10% crypto back on Gas at the Pump and Electric Vehicle Charging Stations (EV) spending up to $200 a month. After $200 (up to a total spend of $2400 over the whole promotional period), the rewards rate is 1%.
The unused monthly limit does not roll over to the next month. Non-gasoline purchases at gas stations are not eligible for the promotional rate.
- 3% crypto back on Dining, which includes traditional restaurants, bars, nightclubs, and fast food establishments.
- 2% crypto back on Groceries at traditional grocery stores and specialty food stores. Excludes wholesale clubs like Costco and Sam's Club, and specialty shops like candy stores and bakeries.
- 1% crypto back on all other qualifying purchase transactions.
Certain merchants like Costco, Sam’s Club, Walmart, Target, or delivery services like Uber Eats, may not have a merchant code in the grocery category. As a result, purchases at these merchants would not qualify for rewards in the grocery category. Purchases at places such as gas stations, which might include groceries but are categorized under a different merchant code, will not qualify for the grocery rewards rate.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, Gemini Card's 3% cashback offers more value:
| Gemini Card | Industry Average1 | |
| Entry Level Cashback | 3% | 1% |
| Entry Level Cashback Monthly Cap | 750 USD | 500 USD |
Ether.fi Supports United States
3%
free tier
3% on first $2,000, then 0.5%
$60
monthly cap
same on every tier
Ether.fi offers up to 3% cashback for USD transactions, and up to 2% for EUR card transactions. Your cashback rate decreases as your monthly spending increases, and the maximum cashback is capped, depending on your tier.
You can earn membership points by staking assets, holding funds in Liquid Vaults, and spending with the ether.fi Cash card. Earning more points each month qualifies you for higher membership tiers.
Cashback for Card Transactions in USD
| Monthly Spend | Core | Luxe | Pinnacle |
| first $2,000 | 3%
($60 cap) |
3%
($60 cap) |
3%
($60 cap) |
| next $1,000 | 1%
($70 cap) |
3%
($90 cap) |
3%
($90 cap) |
| $3,000+ | 0.5%
($1000 cap) |
0.5% - 3%
($1000 cap) |
0.5% - 3%
($1000 cap) |
If you spend $3,000 per month, you would earn $70-$90 in cashback - which gives you a good feel on how much monthly value you can get with this card.
The maximum cashback rewards you can earn is limited to $1,000 USD per month.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, Ether.fi Card's 3% cashback offers similar value comparing to competitors:
| Ether.fi Card | Industry Average1 | |
| Entry Level Cashback | 3% | 1% |
| Entry Level Cashback Monthly Cap | 60 USD | 50 USD |
Here are Ether.fi's membership levels, pricing and benefits for each plan. Pick the one that makes sense for your budget and the perks you actually care about.
 Core Tier |
 Luxe Tier |
 Pinnacle Tier |
 VIP Tier Invite-Only |
|
| Price | $0 | 10,000 Points (earned on ~$3,300 spend) or 15,000 $ETHFI staked (~ $7,251 to stake) |
50,000 Points (earned on ~$16,600 spend) or 100,000 $ETHFI staked (~ $48,341 to stake) |
Confidential |
| Cashback | 3% on $2,000, then 0.5%-1% ($1,000 cap) |
3% on $10,000, then 0.5%-1% ($1,000 cap) |
3% on $50,000, then 0.5%-1% ($1,000 cap) |
Confidential |
| Daily Spend Limit | Unlimited | Unlimited | Unlimited | Unlimited |
| Invite-Only Events | - | - | ||
| Personal Concierge | - | - |
You earn 3,000 points for every $1,000 you spend using your Ether.fi Cash card. You can also earn points by staking, depositing into Liquid, or holding ETHFI. Points reset every month, so your membership tier will fluctuate with time.
Bitget Wallet
3%
free tier
$12
monthly cap
same on every tier
Bitget Wallet Card offers up to 3% back, paid in the asset you choose:
- USDC
- Bitcoin
- Gold
- NVIDIA
- Tesla
- S&P 500
- Google
These rewards are Tokenized Assets, so you are receiving XAUt, NVDAx, TSLAx, SPYx, GOOGLx.
Bitget Wallet Card vs Bitget Exchange Card
Note that there's a separate product, the Bitget Card (the exchange one, Visa, available for Asia Pacific Region only. It has very limited number of countries that are supported (supports Australia, Japan, South Korea, Taiwan, Vietnam and a few more), and is not covered in this review.
This review is about the Bitget Wallet Card.
Plutus
3%
free tier
$9
monthly cap
up to 9%
Plutus is a true Rewards Card, and this uniquely differentiates it from other crypto cards.
Plutus offers up to 9% cashback paid in crypto. To get cashback, you will need to pay the monthly fee of up to €19.99.
| Starter | Everyday | Premium | |
| Monthly Cost | 6.99 EUR | 9.99 EUR | 19.99 EUR |
| Cashback | 3% | 3% | 3% |
| Cashback Monthly Cap | €7.50 | €15 | €30 |
If you hold some PLU, you can increase your cashback:
| Required PLU Holdings | Rewards | Monthly Reward Limit* | Perks | |
| Hero | 250 PLU
(~100 EUR¹) |
4% | €10 to €400
|
4 |
| Veteran | 500 PLU
(~100 EUR¹) |
5% | €12.5 to €550 | 5 |
| Legend | 1,000 PLU
(~200 EUR¹) |
6% | €15 to €660 | 6 |
| Myth | 1,500 PLU
(~200 EUR¹)
|
7% | €17.5 to €770 | 7 |
| GOAT | 2,000 PLU
(~300 EUR¹)
|
8% | €20 to €880 | 8 |
| Honey Badger | 3,000 PLU
(~400 EUR¹)
|
9% | €22.5 to €990 | 9 |
*Monthly reward limit depends on your paid plan and amount of PLU redeemed, which means moved from your wallet to Plutus app and essentially locked.
What are the Perks that Plutus Card Offers?
As you see in the table above, you can qualify for up to 9 perks a month, when using Plutus card. Perks are limited to €10 EUR each, a month. Here are some example perks you can choose from:
Amazon, Apple, Netflix, Uber, Spotify, YouTube, Airbnb, IKEA, McDonald’s, Starbucks, eBay, Disney +, PlayStation Store, Deliveroo Plus, ASOS, Tesco, Sainsbury’s, Shell, KFC, Lidl, Just Eat, Carrefour, Burger King, PureGym, Sephora, Co-op, ChatGPT, Vodafone, Steam and the list goes on.
Reality Check While Plutus Card promotes up to 9% cashback, if you're an entry-level user, you'll qualify for 3% cashback, capped at 7.50 EUR per month.
Are other cards more generous at base tier? Yes.
| Plutus Card | Industry Average1 | |
| Entry Level Cashback | 3% | 1% |
| Entry Level Cashback Monthly Cap | 7.50 EUR | 30 EUR |
Plasma One Supports United States
2%
free tier
2% on first $500, then 0.1%
no monthly cap
up to 4%
Platinum · staking required
no cap on top tier
Plasma One offers 2%-4% cashback on all eligible purchases, depending on the tier.
Your cashback is calculated in USD and paid out weekly in XPL tokens. After the payout, you can convert your XPL rewards to cash whenever you want.
Reality Check While Plasma One Card promotes up to 4% cashback, if you're an entry-level user, you'll qualify for 2% cashback.
Are other cards more generous at base tier? No, they are not. In fact, Plasma One Card has no cashback cap at all - that's significantly better than the industry average:
| Plasma One Card | Industry Average1 | |
| Entry Level Cashback | 2% | 1% |
| Entry Level Cashback Monthly Cap | Unlimited | 50 USD |
In addition, Plasma One offers nice perks, like boosted cashback for some purchase categories. For example, 10% cashback on AI-related spend.
Here are Plasma One's membership levels, pricing and benefits for each plan. Pick the one that makes sense for your budget and the perks you actually care about.
 Lite Tier |
 Core Tier |
 Platinum Tier |
|
| Price | $0 | $10/month ($120 yearly) or 20,000 $XPL staked (~ $1,517 to stake) |
100,000 $XPL staked (~ $7,583 to stake) |
| Cashback | 2% on $500, then 0.1% (no cap) |
3% on $1,000, then 0.25%-2% (no cap) |
4% on $1,000, then 1%-3% (no cap) |
| AI Cashback | - | 5% on $250, then 1%-4% (no cap) |
10% on $500, then 1%-5% (no cap) |
| Airlines Cashback | - | - | 10% ($50 cap) |
| FX Fee | 1% | 0.5% | 0% |
| Airport Lounge Access | - | ||
| Global eSIM | - |
1inch
2%
free tier
$5,592
monthly cap
same on every tier
1inch CL card offers up to 2% cashback on every purchase you make with the card. You can choose which cryptocurrency you prefer to receive your rewards in, and this will determine your reward percentage.
Here are your choices:
| Rewards Cryptocurrency | Cashback |
| BTC (Bitcoin) | 1% |
| USDT (Tether) | 1% |
| BXX (Baanx) | 2% |
The rewards are paid out at the end of each month.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, 1inch Card's 2% cashback offers more value:
| 1inch Card | Industry Average1 | |
| Entry Level Cashback | 2% | 1% |
| Entry Level Cashback Monthly Cap | 4,800 EUR | 30 EUR |
![Ledger CL Card [EU]](https://cryptonoshi.com/wp-content/uploads/LedgerCLCard-2-540x336.png)
Ledger CL [EU]
2%
free tier
$5,242
monthly cap
same on every tier
Ledger CL card offers up to 2% cashback on every purchase you make with the card. You can choose which cryptocurrency you prefer to receive your rewards in, and this will determine your reward percentage.
Here are your choices:
| Rewards Cryptocurrency | Cashback |
| BTC (Bitcoin) | 1% |
| USDT (Tether) | 1% |
| BXX (Baanx) | 2% |
The rewards are paid out at the end of each month.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, Ledger CL Card's 2% cashback offers more value:
| Ledger CL Card | Industry Average1 | |
| Entry Level Cashback | 2% | 1% |
| Entry Level Cashback Monthly Cap | 4,500 EUR | 30 EUR |
Gnosis
2%
free tier
$466
monthly cap
up to 5%
Gnosis offers up to 5% cashback, depending on the amount of GNO (Gnosis Token) you hold:
| Required Holdings | Cashback Rate |
| 0.1 GNO (~9 EUR¹) | 1% |
| 1 GNO (~100 EUR¹) | 2% |
| 10 GNO (~920 EUR¹) | 3% |
| 100 GNO (~9,210 EUR¹) | 4% |
Plus you get an additional 1% if you have Gnosis Pay OG NFT in your wallet.
The reward is calculated in the currency of your card payment using the latest GNO/EUR exchange rate, and is paid in GNO.
Reality Check While Gnosis Card promotes up to 5% cashback, if you're an entry-level user, you'll qualify for 2% cashback, capped at 400 EUR per month.
Are other cards more generous at base tier? No, they are not. In fact, Gnosis Card offers more value for the entry-level user, than most competitors:
| Gnosis Card | Industry Average1 | |
| Entry Level Cashback | 2% | 1% |
| Entry Level Cashback Monthly Cap | 400 EUR | 30 EUR |
Krak
2%
free tier
$280
monthly cap
same on every tier
Krak Card offers 2% cashback on eligible purchases with no monthly cap. But the cashback is still limited by the €12,000 monthly spending limit, meaning the most you can earn is €240 cashback per month.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, Krak Card's 2% cashback offers more value:
| Krak Card | Industry Average1 | |
| Entry Level Cashback | 2% | 1% |
| Entry Level Cashback Monthly Cap | 240 EUR | 30 EUR |
There is no subscription fee and no minimum balance requirement - you automatically start earning rewards as soon as you use the card.
You can choose to receive cashback in EUR or BTC. If you pick BTC rewards, cashback amount is converted to Bitcoin the moment the transaction settles. This means you will have BTC in your account, which can change value with time. Convenient, if you plan holding on to it long term - if not, pick EUR.
Banxe
2%
free tier
$63
monthly cap
same on every tier
Banxe offers 2% cashback on all card transactions, with a monthly rewards cap of 50 GBP.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, Banxe Card's 2% cashback offers more value:
| Banxe Card | Industry Average1 | |
| Entry Level Cashback | 2% | 1% |
| Entry Level Cashback Monthly Cap | 50 GBP | 30 GBP |
Based
2%
free tier
$20
monthly cap
up to 4%
Gold · staking required
top tier capped at $100 a month
Based Card offers 2-4% cashback, but the monthly cashback caps are pretty low:
| Tier | Cashback | Cashback Cap | Extra Bonuses |
| Orange
(coming soon) |
0% | - | - |
| Hype
10,000 $BASED Staked ~800 USD¹ |
2% | 20$ | $10/month on ChatGPT & Claude |
| Gold
100,000 $BASED Staked ~8,000 USD¹ |
4% | 100$ | $20/month on Netflix + $100/month on ChatGPT & Claude. Plus, 4 airport lounge visits per year. |
You receive cashback in $BASED tokens at the start of each month. Since the $BASED token has already launched (TGE was in March 2026), you can convert the cashback into USDC or USDT right away and then spend or withdraw it.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, Based Card's 2% cashback offers similar value comparing to competitors:
| Based Card | Industry Average1 | |
| Entry Level Cashback | 2% | 1% |
| Entry Level Cashback Monthly Cap | 20 USD | 50 USD |
Here are Based's membership levels, pricing and benefits for each plan. Pick the one that makes sense for your budget and the perks you actually care about.
 Orange Tier Coming Soon |
 Hype Tier LIVE |
 Gold Tier LIVE |
|
| Price | $0 | 10,000 $BASED staked (~ $793 to stake) |
100,000 $BASED staked (~ $7,932 to stake) |
| Cashback | 0% | 2% ($20 cap) |
4% ($100 cap) |
| FX Fee | 2.5% | 1.5% | 0% |
| Daily Spend Limit | $3,000 | $3,000 | $30,000 |
| Airport Lounge Access | - | - | |
| Invite-Only Events | - | - |
Bybit
2%
free tier
$12
monthly cap
up to 10%
Bybit offers up to 10% cashback for card transactions, depending on your VIP Level:
| Assets Balance Required | Cashback | Monthly Cashback Cap | |
| Non-VIP | 0 USD | 2% | 10 EUR |
| VIP 1 | 50,000 USD | 2% | 75 EUR |
| VIP 2 | 250,000 USD | 2% | 150 EUR |
| VIP 3 | 500,000 USD | 4% | 200 EUR |
| VIP 4 | 1,000,000 USD | 6% | 300 EUR |
| VIP 5 | 2,000,000 USD | 8% | 400 EUR |
| VIP Supreme | >500 M Trading Volume | 10% | 600 EUR |
VIP status is awarded when your assets reach 50,000 USD.
In addition to cashback, you will earn points when you spend with Bybit Card. The points can then be exchanged for various items such as crypto bonuses, coupons, and exclusive merchandise at Bybit’s Rewards Market.
Reality Check While Bybit Card promotes up to 10% cashback, if you're an entry-level user, you'll qualify for 2% cashback, capped at 10 EUR per month.
Are other cards more generous at base tier? Yes.
| Bybit Card | Industry Average1 | |
| Entry Level Cashback | 2% | 1% |
| Entry Level Cashback Monthly Cap | 10 EUR | 30 EUR |
OKX
2%
free tier
$12
monthly cap
up to 5%
OKX Card offers 2%–5% cashback, with higher rewards reserved for VIP users. Cashback can reach 5%, although reaching the top tiers requires high trading volume or holding $2M+ in assets on the OKX exchange.
| VIP Level | Cashback | Monthly Cashback Cap |
| Non-VIP | 2% | 10 EUR |
| VIP 1
(100,000 EUR in assets) |
4% | 300 EUR |
| VIP 2
(200,000 EUR in assets) |
4.5% | 450 EUR |
| VIP 3+
(2,000,000 EUR in assets) |
5% | 1,000 EUR |
Reality Check While OKX Card promotes up to 5% cashback, if you're an entry-level user, you'll qualify for 2% cashback, capped at 10 EUR per month.
Are other cards more generous at base tier? Yes.
| OKX Card | Industry Average1 | |
| Entry Level Cashback | 2% | 1% |
| Entry Level Cashback Monthly Cap | 10 EUR | 30 EUR |
Beyond card cashback, you can also earn all kinds of extra rewards on OKX, including trading bonuses, fee rebates, referral rewards, Learn & Earn offers, token giveaways, competitions, and occasional mystery boxes.
Tria Supports United States
1.5%
free tier
1.5% on first $100, then 0.5%
no monthly cap
up to 6%
Tria Card offers 1.5% - 6% cashback. Rewards are not paid as immediate cash and are scheduled to be distributed after the Token Generation Event (TGE).
Reality Check While Tria Card promotes up to 6% cashback, if you're an entry-level user, you'll qualify for 1.5% cashback.
Are other cards more generous at base tier? No, they are not. In fact, Tria Card has no cashback cap at all - that's significantly better than the industry average:
| Tria Card | Industry Average1 | |
| Entry Level Cashback | 1.5% | 1% |
| Entry Level Cashback Monthly Cap | Unlimited | 50 USD |
You also earn XP points every time you use the card. The amount of XP depends on how much you spend in USD and your account multiplier, so higher tiers earn faster. You can earn XP from card spending, referrals, trading, Earn vaults, daily check-ins, onboarding actions, etc.
XP Points help you unlock higher levels, better multipliers, seasonal rewards, and other Tria perks.
With all the cashback, XP points, rewards, and perks, Tria makes it feel like you are playing a fun game. You will keep you coming back, for sure:)
Here are Tria's membership levels, pricing and benefits for each plan. Pick the one that makes sense for your budget and the perks you actually care about.
 Virtual Tier |
 Signature Tier |
 Premium Tier |
|
| Price | $2/month ($25 yearly) |
$9/month ($109 yearly) |
$21/month ($250 yearly) |
| Cashback in USD | 1.5% on $100, then 0.5% (no cap) |
4.5% on $1,000, then 1% (no cap) |
6% on $2,000, then 1% (no cap) |
| Rewards in Tria Points | 1 Point per $1 (no cap) |
1.5 Points per $1 (no cap) |
1.5 Points per $1 (no cap) |
| Boosted Yield on Earn | - |
Tria Points don’t have a fixed cash value, but they unlock Mystery Boxes with cashback, travel credits, USDT, perks, or equity draws.
KAST Supports United States
1.5%
free tier
$30
monthly cap
up to 5%
Private · $850/month
top tier capped at $1,500 a month
KAST Card has a generous rewards program, offering up to 3% cashback in USD, plus an additional up to 2% back in KAST Reward Points.
KAST is also rolling out Tasks, where you can earn extra cash bonuses for things like using your card, making deposits, or using Earn vaults.
Your cashback becomes redeemable after 14 days. Once you redeem it, it will automatically be applied toward your next card purchases.
KAST Reward Points
You can also earn points every time you use your card, with up to 2% of the transaction value, depending on your membership tier. Right now, 1 KAST Point =$0.08 USD.
KAST is planning to launch a token in Q4 of 2026.
Here are KAST's membership levels, pricing and benefits for each plan. Pick the one that makes sense for your budget and the perks you actually care about.
 Standard Tier |
 Premium Tier |
 Private Tier |
|
| Price | $0 | $85/month ($1,000 yearly) |
$850/month ($10,000 yearly) |
| Physical Card Shipping | $40 | Free | Free |
| Cashback in USD | 1.5% ($30 cap) |
2% ($200 cap) |
3% ($1,500 cap) |
| Rewards in KAST Points | 0% | 1% (no cap) |
2% (no cap) |
| Daily Spend Limit | Unlimited | Unlimited | Unlimited |
KuCoin
1.2%
free tier
$12
monthly cap
up to 3%
KuCoin offers up to 3% cashback on purchases you make with the card, depending on your VIP tier:
| Lockup Required | Cashback | Monthly Cap | |
| VIP 0 | 0 USDT | 1% (if BTC or ETH), 1.2% (if KCS) | 10 EUR |
| VIP 0 | 10,000 USDT | 1% (if BTC or ETH), 1.2% (if KCS) | 20 EUR |
| VIP 0 | 20,000 USDT | 1% (if BTC or ETH), 1.2% (if KCS) | 30 EUR |
| VIP 1-4 | 1,000 KCS
(~5,800 EUR¹) |
1.5% | 100 EUR |
| VIP 5-7 | 40,000 KCS
(~228,800 EUR¹) |
2.5% | 200 EUR |
| VIP 11-12 | 100,000 KCS
(~571,900 EUR¹) |
3% | 250 EUR |
Reality Check While KuCoin Card promotes up to 3% cashback, if you're an entry-level user, you'll qualify for 1.2% cashback, capped at 10 EUR per month.
Are other cards more generous at base tier? Yes.
| KuCoin Card | Industry Average1 | |
| Entry Level Cashback | 1.2% | 1% |
| Entry Level Cashback Monthly Cap | 10 EUR | 30 EUR |
Lava Supports United States
1%
free tier
no monthly cap
up to 5%
Lava Card offers up to 5% back in Bitcoin every time you spend, but realistically, most users will earn 1-3% cashback, depending on where they live. The full 5% BTC rewards apply when you spend with Lava merchant partners only.
| Eligibility | Cashback |
| User anywhere in the world, at selected Lava merchant partners | 5% |
| User in United States | 3% |
| User outside of United States | 1% |
Rewards are paid in Bitcoin (BTC) after your transaction settles, and you can track them inside the Lava app.
![Wirex Card [USA]](https://cryptonoshi.com/wp-content/uploads/WirexCard-1-540x345.png)
Wirex [USA] Supports United States
1%
free tier
$10,000
monthly cap
up to 8%
Wirex offers up to 8% cryptoback (cashback paid in crypto). To get a higher % cryptoback, you will need to either pay the monthly fee of up to 29.99$, or lock up some WXT (Wirex Token). See the table below for details.
| Monthly Cost | WXT Lockup Required | Cryptoback | WXT Savings Bonus | |
| Standard - Entry | $0.00 | 0 WXT | 0.5% | 0% |
| Standard - Enchanced | $0.00 | 150,000 WXT
(~200 USD¹) |
1% | 1% |
| Premium - Entry | $9.99 | 0 WXT | 1% | 0% |
| Premium - Enhanced | $9.99 | 250,000 WXT
(~300 USD¹) |
2% | 3% |
| Premium - Ultimate | $9.99 | 750,000 WXT
(~900 USD¹) |
3% | 6% |
| Elite - Entry | $29.99 | 0 WXT | 4% | 0% |
| Elite - Enhanced | $29.99 | 1,500,000 WXT
(~1,800 USD¹) |
6% | 8% |
| Elite - Ultimate | $29.99 | 7,500,000 WXT
(~8,800 USD¹) |
8% | 16% |
Cashback is paid in WXT and capped at 10,000 WXT (~100 USD¹) a month for Standard users, 50,000 WXT (~100 USD¹) a month for Premium users, and 150,000 WXT (~200 USD¹) for Elite users.
WXT Savings Bonus allows you to earn annual rewards of up to 16%, based on your WXT balance (Wirex Tokens). This means you could earn $4,000 USD a year on your $25,000 USD equivalent WXT balance.
Reality Check While Wirex Card promotes up to 8% cashback, if you're an entry-level user, you'll qualify for 1% cashback, capped at 20 USD per month.
Are other cards more generous at base tier? Yes.
| Wirex Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 20 USD | 500 USD |
![Wirex Card [EU]](https://cryptonoshi.com/wp-content/uploads/WirexMastercard-1-540x340.png)
Wirex [EU]
1%
free tier
$10,000
monthly cap
up to 8%
Wirex offers up to 8% cryptoback (cashback paid in crypto). To get a higher % cryptoback, you will need to either pay the monthly fee of up to €29.99, or lock up some WXT (Wirex Token). See the table below for details.
| Monthly Cost | WXT Lockup Required | Cryptoback | WXT Savings Bonus | |
| Standard - Entry | €0.00 | 0 WXT
|
0.5% | 0% |
| Standard - Enchanced | €0.00 | 150,000 WXT
(~200 EUR¹) |
1% | 1% |
| Premium - Entry | €9.99 | 0 WXT | 1% | 0% |
| Premium - Enhanced | €9.99 | 250,000 WXT
(~300 EUR¹) |
2% | 3% |
| Premium - Ultimate | €9.99 | 750,000 WXT
(~800 EUR¹) |
3% | 6% |
| Elite - Entry | €29.99 | 0 WXT | 4% | 0% |
| Elite - Enhanced | €29.99 | 1,500,000 WXT
(~1,600 EUR¹) |
6% | 8% |
| Elite - Ultimate | €29.99 | 7,500,000 WXT
(~7,600 EUR¹) |
8% | 16% |
Cashback is paid in WXT and capped at 10,000 WXT (~10 EUR¹) a month for Standard users, 50,000 WXT (~50 EUR¹) a month for Premium users, and 150,000 WXT (~200 EUR¹) for Elite users.
WXT Savings Bonus allows you to earn annual rewards of up to 16%, based on your WXT balance (Wirex Tokens). This means you could earn €3,680 EUR a year on your €23,000 EUR equivalent WXT balance.
Reality Check While Wirex Card promotes up to 8% cashback, if you're an entry-level user, you'll qualify for 1% cashback, capped at 10 EUR per month.
Are other cards more generous at base tier? Yes.
| Wirex Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 10 EUR | 50 EUR |
Xapo
1%
free tier
$3,000
monthly cap
same on every tier
Xapo Card offers 0.2% - 1% cashback, paid in Bitcoin (BTC).
Your cashback is calculated based on the purchase amount in USD, then converted into Bitcoin and credited to your BTC balance. Rewards are paid automatically on the 5th of each month, once transactions have settled.
The cashback rate depends on where the merchant is located and which card you have:
| Merchant Location | Card Type | Cashback |
| EU Countries | Any Card | 0.2% |
| Outside Europe | Plastic of Virtual Card | 0.5% |
| Outside Europe | Metal Card | 1% |
There is no monthly cashback cap, which is rare among crypto cards. The only limit is the $300,000 monthly spend limit, meaning you could earn up to $3,000 cashback per month at 1%.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, Xapo Card's 1% cashback offers more value:
| Xapo Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 3,000 USD | 50 USD |
In addition, your Xapo Card includes 1 free airport lounge visit per year. After that, each visit costs $35 per person (guests also $35).
Wealthsimple
1%
free tier
$1,095
monthly cap
same on every tier
Wealthsimple card offers 1% cashback on every purchase you make with the card.
Instead of traditional cash back, you can opt to earn in the form of stock or crypto, with the option to have your cashback rewards auto-invested in the cryptocurrency of your choice.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, Wealthsimple Card's 1% cashback offers more value:
| Wealthsimple Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 1,500 CAD | 500 CAD |
![Coinbase Card [USA]](https://cryptonoshi.com/wp-content/uploads/CoinbaseCard-2-540x361.png)
Coinbase [USA] Supports United States
1%
free tier
$750
monthly cap
same on every tier
The Coinbase Card's rewards structure enables you to earn 1% back on all purchases.
Rotating Rewards: The program features rotating rewards to give customers more flexibility and the ability to choose the cryptocurrency in which they want to receive rewards. You can log into your Coinbase mobile app to see currently available rewards.
Available rewards change with time, and most rewards are offered at around a 1% cashback rate.
Reward Selection: After selecting the offer of a reward, it will apply across all your card spending, regardless of the cryptocurrency being spent. You can also switch your chosen rewards option anytime via the app.
Automatic Rewards: If you don't select a reward by the time the next rotation launches, you will automatically receive the reward offering the highest crypto-back rate.
Rewards are issued once a transaction is completed, typically within 1-5 business days.
Note: ATM withdrawals, bill payments, and cashback transactions do not qualify for rewards.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, Coinbase Card's 1% cashback offers more value:
| Coinbase Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 750 USD | 500 USD |
Shakepay
1%
free tier
$365
monthly cap
same on every tier
Shakepay card offers 1% cashback on all purchases you make with the card, plus an additional 1% for the first $5,000 CAD as a signup bonus.
Cashback rewards are paid in Bitcoin and deposited into your Shakepay account.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, Shakepay Card's 1% cashback offers similar value comparing to competitors:
| Shakepay Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 500 CAD | 500 CAD |
COCA
1%
free tier
$349
monthly cap
up to 8%
COCA Card offers 1% - 8% cashback, with higher rewards available if you stake COCA tokens and unlock loyalty tiers. At the highest tier, cashback can go as high as 8%, which places it among the highest cashback rates in the crypto card space.
Your cashback is paid in stablecoins and is distributed by the 10th of each month.
COCA also offers 50% cashback on popular subscription services, including Netflix, Spotify, ChatGPT, or YouTube Premium - with higher tiers unlocking more options.
Plus, COCA gives you access to the COCA Travel platform, where you can book hotels with discounts of up to 50% on standard rates.
Reality Check While COCA Card promotes up to 8% cashback, if you're an entry-level user, you'll qualify for 1% cashback, capped at 300 EUR per month.
Are other cards more generous at base tier? No, they are not. In fact, COCA Card offers more value for the entry-level user, than most competitors:
| COCA Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 300 EUR | 50 EUR |
Here are COCA's membership levels, pricing and benefits for each plan. Pick the one that makes sense for your budget and the perks you actually care about.
|
Starter Tier |
Standard Tier |
Standard+ Tier |
Premium Tier |
Premium+ Tier |
Elite Tier |
|
| Price | €0 | 300 $COCA staked (~ €373 to stake) |
1,000 $COCA staked (~ €1,245 to stake) |
3,000 $COCA staked (~ €3,734 to stake) |
10,000 $COCA staked (~ €12,445 to stake) |
30,000 $COCA staked (~ €37,335 to stake) |
| Cashback | 1% (€300 cap) |
3% on €1,000, then 1% (€320 cap) |
4% on €1,750, then 1% (€350 cap) |
5% on €2,500, then 1% (€400 cap) |
6% on €5,000, then 1% (€550 cap) |
8% on €10,000, then 1% (€1,000 cap) |
| 50% back on subs | - | 1 app Movies |
2 apps Movies AI |
2 apps Movies AI |
3 apps Movies AI Music |
4 apps Movies AI Music Shopping |
| Boosted Yield on Earn | - |
Gate
1%
free tier
$175
monthly cap
same on every tier
Gate Card offers a 1% USDT cashback on every in-store and online purchase you make.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, Gate Card's 1% cashback offers more value:
| Gate Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 150 EUR | 30 EUR |
Bleap
1%
free tier
$35
monthly cap
up to 20%
Bleap gives you 1% cashback on everyday spending, and up to 20% cashback on selected subscriptions and services:
| Category | Cashback | Monthly Cashback Cap |
| General | 1% | $36 |
| Restaurants & Supermarkets | 2% | $24 |
| Transportation
(Uber, Bolt) |
3% | $18 |
| Food delivery
(Uber Eats, Just Eat, Bolt Food) |
3% | $18 |
| Streaming subscriptions
(Netflix, Disney+, Amazon Prime) |
20% | ~$5 |
| AI subscriptions
(ChatGPT, Gemini, Claude) |
20% | ~$7 |
| Gaming subscriptions
(Xbox Game Pass, PlayStation Plus) |
20% | ~$7 |
Cashback is earned automatically when you pay with your card and is credited in USDC once the transaction settles.
![Crypto.com Card [USA]](https://cryptonoshi.com/wp-content/uploads/CryptocomCard_MidnightBlue-540x341.png)
Crypto.com [USA] Supports United States
1%
free tier
$25
monthly cap
up to 5%
Here are the benefits and rewards offered by Crypto.com for their USA-based cardholders:
Obsidian |
Rose & White |
Jade & Indigo |
Ruby Steel |
Midnight |
|
| USD Lockup Required | $400,000 | $40,000 | $4,000 | $400 | - |
| Cashback Rewards | 5% | 3% | 2% | 1% | - |
| Spotify | |||||
| Netflix | |||||
| Priority Pass™ Airport Lounge Access (see lounge list) | |||||
| Amazon Prime | |||||
| Crypto.com Private Membership | |||||
| 2% Extra Interest on Crypto Earn | |||||
| Airbnb | |||||
| Private Jet Service |
Priority Pass™ Airport Lounge Access offers access to a wide selection of airport lounges.
Not all cashback % is unlimited. The Royal Indigo & Jade Green cards offer 2% cashback reward with a cap of $50 USD per month and the Ruby Steel card offers a 1% cashback reward capped at $25 USD per month. The Obsidian and Frosted Rose Gold & Icy White cards don't have any limit on their 5% and 3% cashback rewards respectively.
The Airbnb reward that is offered to Obsidian card holders gives 10% back for each purchase on Airbnb with a monthly US$100 limit.
Cashback rewards are paid in CRO Token to your Crypto.com Wallet App.
What Does Crypto.com Private Membership (VIP) Offer?
- Access to Crypto.com’s self-published research reports, like these.
- Assistance with estate handling related to Crypto.com assets. Estate handling refers to the process of managing and distributing a deceased person's Crypto.com assets.
- Tickets to top crypto industry events.
- Extra 2% bonus interest on Crypto Earn.
- Preferential rates for trading large amounts of CRO.
- Priority customer support.
Reality Check While Crypto.com Card promotes up to 5% cashback, if you're an entry-level user, you'll qualify for 1% cashback, capped at 25 USD per month.
Are other cards more generous at base tier? Yes.
| Crypto.com Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 25 USD | 500 USD |
Crypto.com [EU]
1%
free tier
$23
monthly cap
up to 5%
Here are the benefits and rewards offered by Crypto.com for their EU-based cardholders:
|
Obsidian |
Rose & White |
Jade & Indigo |
Ruby Steel |
Midnight |
|
| EUR Lockup Required | €350,000 | €35,000 | €3,500 | €350 | - |
| Cashback Rewards | 5% | 3% | 2% | 1% | - |
| Spotify | |||||
| Netflix | |||||
| Priority Pass™ Airport Lounge Access (see lounge list) | |||||
| Amazon Prime | |||||
| Crypto.com Private Membership | |||||
| 2% Extra Interest on Crypto Earn | |||||
| Airbnb | |||||
| Private Jet Service |
Priority Pass™ Airport Lounge Access offers access to a wide selection of airport lounges.
Not all cashback % is unlimited. The Royal Indigo & Jade Green cards offer 2% cashback reward with a cap of €45 EUR per month and the Ruby Steel card offers a 1% cashback reward capped at €20 EUR per month. The Obsidian and Frosted Rose Gold & Icy White cards don't have any limit on their 5% and 3% cashback rewards respectively.
The Airbnb reward that is offered to Obsidian card holders gives 10% back for each purchase on Airbnb with a monthly €90 EUR limit.
Cashback rewards are paid in CRO Token to your Crypto.com Wallet App.
What Does Crypto.com Private Membership (VIP) Offer?
- Access to Crypto.com’s self-published research reports, like these.
- Assistance with estate handling related to Crypto.com assets. Estate handling refers to the process of managing and distributing a deceased person's Crypto.com assets.
- Tickets to top crypto industry events.
- Extra 2% bonus interest on Crypto Earn.
- Preferential rates for trading large amounts of CRO.
- Priority customer support.
Reality Check While Crypto.com Card promotes up to 5% cashback, if you're an entry-level user, you'll qualify for 1% cashback, capped at 20 EUR per month.
Are other cards more generous at base tier? Yes, slightly:
| Crypto.com Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 20 EUR | 30 EUR |
Crypto.com [Canada]
1%
free tier
$22
monthly cap
up to 5%
Here are the benefits and rewards offered by Crypto.com for their Canada-based cardholders:
|
Obsidian |
Rose & White |
Jade & Indigo |
Ruby Steel |
Midnight |
|
| CAD Lockup Required | $500,000 | $50,000 | $5,000 | $500 | - |
| Cashback Rewards | 5% | 3% | 2% | 1% | - |
| Spotify | |||||
| Netflix | |||||
| Priority Pass™ Airport Lounge Access (see lounge list) | |||||
| Amazon Prime | |||||
| Crypto.com Private Membership | |||||
| 2% Extra Interest on Crypto Earn | |||||
| Airbnb | |||||
| Private Jet Service |
Priority Pass™ Airport Lounge Access offers access to a wide selection of airport lounges.
Not all cashback % is unlimited. The Royal Indigo & Jade Green cards offer 2% cashback reward with a cap of $65 CAD per month and the Ruby Steel card offers a 1% cashback reward capped at $30 CAD per month. The Obsidian and Frosted Rose Gold & Icy White cards don't have any limit on their 5% and 3% cashback rewards respectively.
The Airbnb reward that is offered to Obsidian card holders gives 10% back for each purchase on Airbnb with a monthly $130 CAD limit.
Cashback rewards are paid in CRO Token to your Crypto.com Wallet App.
What Does Crypto.com Private Membership (VIP) Offer?
- Access to Crypto.com’s self-published research reports, like these.
- Assistance with estate handling related to Crypto.com assets. Estate handling refers to the process of managing and distributing a deceased person's Crypto.com assets.
- Tickets to top crypto industry events.
- Extra 2% bonus interest on Crypto Earn.
- Preferential rates for trading large amounts of CRO.
- Priority customer support.
Reality Check While Crypto.com Card promotes up to 5% cashback, if you're an entry-level user, you'll qualify for 1% cashback, capped at 30 CAD per month.
Are other cards more generous at base tier? Yes.
| Crypto.com Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 30 CAD | 500 CAD |
Brighty
1%
free tier
$20
monthly cap
up to 1.75%
Brighty Card offers 1% cashback on eligible spend, and up to 1.75% cashback in selected categories.
| One
(Free Plan) |
Plus
(€9 per month) |
Pro
(€18 per month) |
|
| Cashback on all eligible spend | 1% | 1% | 1% |
| Cashback on your selected categories | - | 1.25% | 1.75% |
| Cashback Cap per Month | $20 | $60 | $100 |
With the Plus plan (€9/month), you can choose up to 2 cashback categories yourself, and 1 extra category will be assigned randomly. Those categories earn 1.25% cashback that month.
With the Pro plan (€18/month), you can choose up to 3 cashback categories yourself, plus 1 extra category assigned randomly. Those categories earn 1.75% cashback that month.
Your cashback is paid in USDC to a separate Cashback Balance, usually within ~5 business days. At the start of each new month, it is automatically moved to your Reward Box, where you can withdraw it.
Reality Check While Brighty Card promotes up to 1.75% cashback, if you're an entry-level user, you'll qualify for 1% cashback, capped at 20 USD per month.
Are other cards more generous at base tier? Yes, slightly:
| Brighty Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 20 USD | 30 USD |
Trade Republic
1%
free tier
$17
monthly cap
same on every tier
Trade Republic offers 1% cashback (which they call saveback) for card transactions, but only with a recurring savings plan. You must invest at least 50 EUR every month, on a recurring basis, to qualify for the 1% cashback on your card transactions. Monthly cap for for the cashback is 15 EUR.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, Trade Republic Card's 1% cashback offers similar value comparing to competitors:
| Trade Republic Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 15 EUR | 30 EUR |
Tap
0.5%
free tier
$175
monthly cap
up to 8%
Tap card offers up to 8% cashback, paid in XTP. The percentage depends on your holdings of XTP (Tap Ecosystem Token) - the more you hold, the better benefits you qualify for:
| Required Holdings | Cashback | Crypto-to-EUR Conversion Fee | FX Fee | |
| Essential | €0 in XTP | 0.5% | 1.99% | 1.99% |
| Plus | €300 in XTP | 1.5% | 1.49% | 1.49% |
| Prime | €2,500 in XTP | 3% | 0.99% | 0.99% |
| Premier | €5,000 in XTP | 4% | 0.75% | 0.75% |
| Platinum | €15,000 in XTP | 6% | 0.50% | 0.50% |
| Prestige | €25,000 in XTP | 8% | 0.25% | 0.25% |
FX Fee is a Foreign Exchange Fee, charged when you use your card abroad. With a higher VIP Level, you get a reduced FX Fee for your Tap Card transactions.
Reality Check While Tap Card promotes up to 8% cashback, if you're an entry-level user, you'll qualify for 0.5% cashback, capped at 150 EUR per month.
Are other cards more generous at base tier? No, they are not. In fact, Tap Card offers more value for the entry-level user, than most competitors:
| Tap Card | Industry Average1 | |
| Entry Level Cashback | 0.5% | 1% |
| Entry Level Cashback Monthly Cap | 150 EUR | 30 EUR |
Holyheld
0.5%
free tier
$146
monthly cap
up to 1%
Holyheld card offers up to 1% cashback on every purchase you make with the card.
Classic |
Limited |
Metal |
|
| One-Time Card Issuance Fee | 29 EUR | 99 EUR | 199 EUR |
| Cashback | 0.5% | 0.5% | 1% |
| Monthly Cashback Cap (derived from spend limit) | 125 EUR | 125 EUR | 250 EUR |
You can claim the rewards, paid out in USDC, after a 30-day period following each purchase.
Reality Check While Holyheld Card promotes up to 1% cashback, if you're an entry-level user, you'll qualify for 0.5% cashback, capped at 125 EUR per month.
Are other cards more generous at base tier? No, they are not. In fact, Holyheld Card offers more value for the entry-level user, than most competitors:
| Holyheld Card | Industry Average1 | |
| Entry Level Cashback | 0.5% | 1% |
| Entry Level Cashback Monthly Cap | 125 EUR | 30 EUR |
Nexo
0.5%
free tier
$58
monthly cap
up to 2%
Nexo offers up to 2% cashback for card transactions. The higher your Loyalty level, the higher the cashback you will receive. Loyalty level is based on what % of your crypto holdings on the Nexo platform consist of NEXO Tokens. See the table below for details.
Base |
Silver |
Gold |
Platinum |
|
| Required Nexo Holdings | 0% - 1% of Your Crypto Portfolio | 1% - 5% of Your Crypto Portfolio | 5% - 10% of Your Crypto Portfolio | Above 10% of Your Crypto Portfolio |
| Cashback in NEXO Tokens | 0.5% | 0.7% | 1% | 2% |
| Cashback in Bitcoin | 0.1% | 0.2% | 0.3% | 0.5% |
| Monthly Rewards Limit | €50 | €100 | €150 | €200 |
The rewards are paid out in NEXO coin or BTC (Bitcoin), depending on your preference. You can switch between the two as often as you like.
Reality Check While Nexo Card promotes up to 2% cashback, if you're an entry-level user, you'll qualify for 0.5% cashback, capped at 50 EUR per month.
Are other cards more generous at base tier? No, they are not. In fact, Nexo Card offers more value for the entry-level user, than most competitors:
| Nexo Card | Industry Average1 | |
| Entry Level Cashback | 0.5% | 1% |
| Entry Level Cashback Monthly Cap | 50 EUR | 30 EUR |
NAGA Pay
0.5%
free tier
$12
monthly cap
up to 3%
NAGA Pay card offers up to 3% cashback on every purchase you make with the card:
Basic |
Premium |
Elite |
|
| Monthly Cost | 0 EUR | 5.99 EUR | 14.99 EUR |
| Crypto to Fiat Fee | 3.49% | 2.99% | 2.49% |
| Cashback | 0.5% | 1.5% | 3% |
| Monthly Cashback Cap (derived from spend limit) | 10 EUR | 15 EUR | 60 EUR |
You will receive your cashback rewards in BTC, which will be added to your cashback wallet as soon as the transaction is settled.
Reality Check While NAGA Pay Card promotes up to 3% cashback, if you're an entry-level user, you'll qualify for 0.5% cashback, capped at 10 EUR per month.
Are other cards more generous at base tier? Yes.
| NAGA Pay Card | Industry Average1 | |
| Entry Level Cashback | 0.5% | 1% |
| Entry Level Cashback Monthly Cap | 10 EUR | 30 EUR |
Bit2Me
0.25%
free tier
$9
monthly cap
up to 9%
Bit2Me offers up to 9% cashback, depending on your loyalty Tier:
| Tier | Loyalty Points Required | Cashback | Monthly Cashback Cap |
| Level 0 | 0 | 0% | - |
| Level 1 | 1,000 | 0.25% | 7.50 EUR |
| Level 2 | 2,000 | 0.5% | 15 EUR |
| Level 3 | 3,000 | 1% | 30 EUR |
| Level 4 | 4,000 | 2% | 100 EUR |
| Level 5 | 5,000 | 3% | 300 EUR |
| Level 6 | 6,000 | 5% | 500 EUR |
| Level 7 | 9,000 | 7%
(9% if B2M used) |
900 EUR |
Loyalty Points can be acquired by buying and maintaining a certain balance of B2M (Bit2Me Token), or by using various Bit2Me services.
You receive missions on the Bit2Me platform, such as 'Buy and Hold 1,000 EUR in B2M to earn 500 points'. Your points count towards your Loyalty level as long as you maintain that B2M amount in your account.
Cashback is paid out in B2M Tokens.
Reality Check While Bit2Me Card promotes up to 9% cashback, if you're an entry-level user, you'll qualify for 0.25% cashback, capped at 7.50 EUR per month.
Are other cards more generous at base tier? Yes.
| Bit2Me Card | Industry Average1 | |
| Entry Level Cashback | 0.25% | 1% |
| Entry Level Cashback Monthly Cap | 7.50 EUR | 30 EUR |
xPortal
0.2%
free tier
$12
monthly cap
up to 5%
Here are the benefits and rewards offered by xPortal for their cardholders:
Fresh Mint |
Eco Black |
Diamond Touch |
|
| Monthly Fee | €0.00 EUR | €9.99 EUR | €19.99 EUR |
| Cashback | up to 0.5% | up to 2% | up to 5% |
| Spotify | |||
| Netflix | |||
| Airport Lounges | |||
| Travel Insurance |
To qualify for cashback with the Fresh Mint card, you will have to stake some EGLD (MultiversX Token):
| Required EGLD Holdings | Cashback Rewards | Monthly Reward Limit |
| 5 EGLD
(~100 EUR¹) |
0.1% | €5 |
| 25 EGLD
(~100 EUR¹) |
0.2% | €10 |
| 100 EGLD
(~300 EUR¹) |
0.3% | €15 |
| 500 EGLD
(~1,200 EUR¹) |
0.4% | €20 |
| 2000 EGLD
(~4,800 EUR¹) |
0.5% | €30 |
Reality Check While xPortal Card promotes up to 5% cashback, if you're an entry-level user, you'll qualify for 0.2% cashback, capped at 10 EUR per month.
Are other cards more generous at base tier? Yes.
| xPortal Card | Industry Average1 | |
| Entry Level Cashback | 0.2% | 1% |
| Entry Level Cashback Monthly Cap | 10 EUR | 30 EUR |
Blackcatcard
0.1%
free tier
$116
monthly cap
up to 0.5%
Blackcatcard offers cashback of up to 2% on Amazon purchases OR up to 0.5% on all purchases. You can choose one of the three cashback options:
| Option 1 | Option 2 ( ) | Option 3 | |
| Cashback | 0.1% | 0.5% | 2% Amazon Purchases, 0% Others |
| Requirements | Min 50 EUR Monthly Spend | 300+ EUR Monthly Account Balance | - |
| Monthly Cashback Cap | 100 EUR | Unlimited | 50 EUR |
There are alternative rewards options, like annualized interest on your monthly account balance:
- Either 2.2% per annum with no requirements,
- or 4% per annum with a 300+ EUR monthly account balance.
Not so Great: Annual interest rewards may seem less appealing as they yield just 1.83 EUR to 3.33 EUR per month with a constant 1,000 EUR account balance.
Ready
0%
free tier
-
cap not published
up to 3%
Ready Card (rebranded from Argent), previously offered cashback, but starting May 1, 2026, cashback changed to Ready Rewards.
Instead of direct cashback, you earn points of up to 3% of your card spend. Then, you can use your points to 'refund' your card transactions - this is how you redeem your points into cash.
Note: To get the full 3% back, you need the Metal Card plus a boost. You can get a boost by referring 2 friends to Metal, or by being one of the top 100 most frequent card users that month. Without a boost, you’ll probably earn closer to 1% back in points.
Ready Card also gives you access to Ready Travel, where you can get exclusive cardholder rates on hotels (they do this through white-labeled entravel.com, so the best discounts are on luxury hotel chains).
Here are Ready's membership levels, pricing and benefits for each plan. Pick the one that makes sense for your budget and the perks you actually care about.
|
Lite Tier |
Metal Tier |
|
| Price | $0 | $10/month ($120 yearly) |
| Physical Card Shipping | $7 | Free |
| Rewards in Ready Points | 0% | 1-3% (no cap) |
| FX Fee | 1% | 0% |
RedotPay
0%
free tier
-
cap not published
up to 3%
Pro · $12.9/month
top tier capped at $18 a month
Redotpay offers 3% cashback, reserved for their Pro tier ($12.90 / month). Note that it's capped at $18 max cashback per month.
p.s. RedotPay is always running fun promos!
Here’s what some of them look like:
Their promos are creative and always fun to join. You can get discounted cards or bonus USD rewards. These rewards are issued in a special USD denomination within their app, expire in 30 days, and can only be spent using their card—they cannot be withdrawn to your external wallet.
Here are RedotPay's membership levels, pricing and benefits for each plan. Pick the one that makes sense for your budget and the perks you actually care about.
 Standard Tier |
 Pro Tier |
|
| Price | $0 | $12.90/month |
| Virtual Card Cost | $10 | Free |
| Cashback | 0% | 3% ($18 cap) |
| FX Fee | 1.2% | 1.2% |
Bitpanda
0%
free tier
-
cap not published
up to 2%
Bitpanda card offers up to 2% cashback, paid in BTC. The percentage depends on your holdings of BEST (Bitpanda Ecosystem Token) - the more you hold, the better benefits you qualify for.
To receive a cashback reward, you will need to hold at least 5,000 BEST (~100 EUR¹). If you hold 50,000 BEST (~100 EUR¹), you qualify for 2% cashback, as well as a reduced FX fee of 0.25%, and unlimited free ATM withdrawals.
| Required Holdings | Cashback | FX Fee | Free ATM Withdrawals | |
| VIP Level 0 | 0 BEST | - | 2.5% | - |
| VIP Level 1 | 10 BEST
~0 EUR¹ |
- | 2.5% | - |
| VIP Level 2 | 1,000 BEST
~0 EUR¹ |
- | 2.5% | - |
| VIP Level 3 | 5,000 BEST
~100 EUR¹ |
0.5% | 1.75% | 1 / month |
| VIP Level 4 | 10,000 BEST
~100 EUR¹ |
1% | 1% | 5 / month |
| VIP Level 5 | 50,000 BEST
~100 EUR¹ |
2% | 0.25% | Unlimited |
FX Fee is a Foreign Exchange Fee, charged when you use your card abroad. With a higher VIP Level, you get a reduced FX Fee for your Bitpanda Card transactions.
Reality Check While Bitpanda Card promotes up to 2% cashback, if you're an entry-level user, you'll qualify for 0% cashback.
Are other cards more generous at base tier? Yes.
| Bitpanda Card | Industry Average1 | |
| Entry Level Cashback | 0% | 1% |
| Entry Level Cashback Monthly Cap | 0 EUR | 30 EUR |
Fold Supports United States
0%
free tier
-
cap not published
up to 1.5%
Fold offers up to 1.5% cashback for card transactions, but only with a paid plan:
Spin |
Spin+ |
|
| Monthly Cost | Free | 10 USD |
| Cashback | None | 1.5% on travel, dining, entertainment, 0.5% on the rest of card purchases |
| Crypto-to-USD Fee | 1% | 0% |
Reality Check While Fold Card promotes up to 1.5% cashback, if you're an entry-level user, you'll qualify for 0% cashback.
Are other cards more generous at base tier? Yes.
| Fold Card | Industry Average1 | |
| Entry Level Cashback | 0% | 1% |
| Entry Level Cashback Monthly Cap | N/A | 500 USD |
![Revolut Card [EU]](https://cryptonoshi.com/wp-content/uploads/RevolutCard-1-540x337.png)
Revolut [EU]
0%
free tier
-
cap not published
up to 1%
Here are the benefits and rewards offered by Revolut for their EU-based cardholders:
Standard |
Plus |
Premium |
Metal |
Ultra |
|
| Monthly Cost | 0.00 EUR | 2.99 EUR | 7.99 EUR | 13.99 EUR | 50.00 EUR |
| Exclusive Card | Personalized Card | Personalized Card | Personalized Metal Card | Platinum-Plated Card | |
| Cashback | |||||
| Exclusive Subscriptions | |||||
| Travel Insurance | |||||
| Airport Lounge Access | Discounted | Discounted | Unlimited | ||
| Cashback on Hotels | up to 3% | up to 3% | up to 5% | up to 10% | up to 10% |
| Crypto-to-Fiat Fee | 1.49% | 1.49% | 0.99% | 0.99% | 0.49% |
Cashback is available only for Metal and Ultra plan members, 0.1% for transactions within Europe, and 1% for everywhere else. Cashback has a monthly cap of 13.99 EUR for Metal card and 50 EUR for Ultra Card.
Ultra plan members have these exclusive subscriptions included with their card: Financial Times Digital Newspaper, WeWork Coworking Access (3 free Passes), NordVPN, Freeletics Personal Coach, Sleep Cycle Tracker, Tinder Gold Subscription, Picsart AI Design Tools.
Insurance benefits are offered for the purpose of travelling abroad, and they include travel medical insurance, rental car damage insurance, winter sports injury insurance, luggage loss insurance, and third-party injury liability insurance.
Cashback on Hotels only applies to accommodations booked via Revolut Stays (similar to Airbnb).
Reality Check While Revolut Card promotes up to 1% cashback, if you're an entry-level user, you'll qualify for 0% cashback.
Are other cards more generous at base tier? Yes.
| Revolut Card | Industry Average1 | |
| Entry Level Cashback | 0% | 1% |
| Entry Level Cashback Monthly Cap | 0 EUR | 30 EUR |
Cashback is paid on the amount you spend, and most cards limit how much you can earn - the monthly cap column shows where each card stops. Some cards also advertise a rate that only applies to the first slice of your monthly spend, then drops to a much lower ongoing rate - where that happens, we note it under the rate. Either way, a headline rate on its own tells you very little.
Crypto Cards Without Cashback
For completeness, here are the 34 crypto cards we track that currently pay no cashback at all:
-
Avici
-
Exa
-
Tangem
-
Tuyo
-
Payy
-
Jam
-
Phantom
-
Tevau
-
Bitcoin.com
-
Trustee
-
Spritz
-
Bitrefill
-
CEX.IO
-
ZEN
-
Bitsa
-
Onboard
-
Utorg
-
Nebeus
-
MEXC
-
Vancelian
-
Metamask
-
THORWallet
-
Fiat24
-
![HyperCard [USA]](https://cryptonoshi.com/wp-content/uploads/Hypercard_USA_PH485-2-540x349.png)
HyperCard [USA]
-
![HyperCard [EU]](https://cryptonoshi.com/wp-content/uploads/Hypercard_EUR-1-540x347.png)
HyperCard [EU]
-
![WhiteBIT Card [EU]](https://cryptonoshi.com/wp-content/uploads/WhitBITCard-2-540x345.png)
WhiteBIT [EU]
-
![Kinesis Card [Canada]](https://cryptonoshi.com/wp-content/uploads/KinesisCard-540x348.png)
Kinesis [Canada]
-
Embily
-
OWNR
-
Crypterium
-
Cryptopay
-
SpectroCoin
-
Kinesis [EU]
-
Coinbase [EU]
Cashback is only one part of the picture. See our Full List of Crypto Cards (78 cards) to compare fees, spend limits, and supported countries too.
