Crypto Cards for USA: The Best Options for Americans

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.

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 similar value comparing to competitors:

• 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 similar value comparing to competitors:

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.

Zen doesn't offer traditional cashback, which other cards provide for every purchase. Instead, Zen offers cashback only at selected stores, and the list is quite small. For example, there could be just two offers: NordVPN (11%) and Travala (4%).

Moreover, if you are on the Free plan, you will only get 50% of the displayed cashback:

	Free	Gold	Platinum
Monthly Cost	0 EUR	0.90 EUR	6.90 EUR
Cashback in Selected Stores	50% of the displayed cashback	Standard	Standard

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?

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 25 USD per month.

Are other cards more generous at base tier? Yes.

Nebeus card does not offer cashback rewards or any additional incentives for using the card.