59 Crypto Cards Available for Estonia

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:

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.

Cashback is paid in WXT and capped at 10,000 WXT (~20 EUR^¹) a month for Standard users, 50,000 WXT (~60 EUR^¹) a month for Premium users, and 150,000 WXT (~200 EUR^¹) 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 20 EUR per month.

Are other cards more generous at base tier? Yes.

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.

Rewards are paid in Bitcoin (BTC) after your transaction settles, and you can track them inside the Lava app.

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?

1. Access to Crypto.com’s self-published research reports, like these.
2. 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.
3. Tickets to top crypto industry events.
4. Extra 2% bonus interest on Crypto Earn.
5. Preferential rates for trading large amounts of CRO.
6. 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:

Brighty Card offers 1% cashback on eligible spend, and up to 1.75% cashback in selected categories.

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:

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:

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:)

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:

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:

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.

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:

Bit2Me offers up to 9% cashback, depending on your loyalty Tier:

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.

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):

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.

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:

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.