List of 17 Crypto Cards for Europeans

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.

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.

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.

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.

Bybit offers up to 10% cashback for card transactions, depending on your VIP Level:

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.

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:

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:

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:

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:

Metamask card does not offer cashback rewards or any other incentives for using the card. 

Bleap gives you 1% cashback on everyday spending, and up to 20% cashback on selected subscriptions and services:

Cashback is earned automatically when you pay with your card and is credited in USDC once the transaction settles.

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:

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.

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:

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:

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:

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:

Utapp card does not offer cashback rewards or any additional incentives for using the card yet. According to their support, cashback feature will be launched in the near future.

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:

The ability to earn rewards when spending with Coinbase Card is currently available for US users only.

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.

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: