Crypto cards are specialised bank cards issued by various companies and exchange operators, designed for making purchases and spending funds in cryptocurrency. Crypto card holders can pay with digital assets almost anywhere without having to manually convert their cryptocurrency into fiat money beforehand. Today, there are three basic types of crypto cards: debit, credit, and prepaid. They all differ in how they work and the terms and conditions of service.
Cryptocurrency wallets are becoming increasingly popular due to their versatility and ease of use. Today, they are accepted by many companies and trading platforms around the world. The 0xProcessing is crypto payment gateway that makes you to accept payments in 50+ popular cryptocurrencies.
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How crypto debit and crypto credit cards differ
Debit crypto cards work like regular bank cards, but are directly linked to the holder's digital wallet. When the holder makes a purchase, the required amount is automatically converted into fiat currency and debited from the wallet balance. This type of card is ideal for those who prefer not to borrow money and plan to spend only their available assets.
Physical or crypto VCCs allow the holder to borrow funds from the card issuer. After making a purchase, the customer is credited with funds that can be repaid later. However, it is important to remember that such cards are often accompanied by high interest rates, ranging from 15% to 27%. This is due to the risks associated with the volatility of cryptocurrencies and the specifics of debt repayment.
The best crypto credit cards have one major advantage: the ability to earn bonuses and rewards in the form of tokens or coins for each transaction made. It is this factor that attracts many cardholders who want to increase their capital by accumulating cryptocurrency.
How crypto cards work
The principle of operation of a crypto credit card in the USA is similar to that of traditional plastic cards, but has several distinctive features:
- Select a suitable crypto card and register an account on the issuer's website (e.g., an exchange or specialised operator). Here you will need to go through the KYC (Know Your Customer) identification procedure, confirming your identity with the relevant documents.
- Link your own crypto wallet to your account. Some cards support their own wallets, but most often the user decides where to send funds from.
- Making a purchase. When the card is used for payments in a store or online store, the required amount of cryptocurrency is instantly converted into the local currency. For example, if a purchase is made in euros, the equivalent amount of BTC or ETH will be automatically converted to EUR at the market rate at the time of the transaction.
- Cash deposits and withdrawals are possible through the ATMs of the card issuer's partners. When withdrawing cash, the cryptocurrency funds are automatically converted back into the desired currency.
- Each crypto card is equipped with standard security features such as PIN codes, RFID chips and two-factor authentication (2FA), which significantly increases its security.
When choosing the right crypto VCC, you need to consider your specific use case and personal preferences regarding spending and earning rewards in cryptocurrency.
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Now let's take a closer look at the top 10 best crypto credit cards of 2025, considering their functionality, fees, and reward terms.
Gemini Credit Card
Gemini is an American cryptocurrency exchange that has launched its own credit card. Its main feature is that it offers rewards in cryptocurrency. The rewards programme includes up to 4% cashback on fuel and transportation services, up to 3% on restaurants and cafes, and 2% on groceries. Other purchases earn a minimum cashback of 1%. The lack of an annual fee makes this crypto credit card USA attractive to novice cryptocurrency users.
Advantages
- Cryptocurrency rewards
- No annual fee
- Sign-up bonus ($200 in cryptocurrency when you spend $3,000 in the first 90 days)
Venmo credit card
Venmo, a subsidiary of PayPal, has launched a credit card with a simple cryptocurrency reward mechanism. Users receive cashback in four popular cryptocurrencies: Bitcoin, Ethereum, Litecoin, and Bitcoin Cash. The rewards programme features 3% cashback on your primary spending category, 2% on your second-highest spending category, and a standard 1% on all other purchases.
Advantages
- Cryptocurrency rewards.
- Free annual subscription.
- Easy to use via the Venmo mobile app.
Coinbase Cardng
The Coinbase Card is a convenient debit card that integrates with the cryptocurrency wallet of the same name. It allows you to use cryptocurrency for everyday purchases and payments at Visa-accepting merchants. Users can earn cryptocurrency rewards for purchases made with the card. There are no fees for using the card, which sets it apart from its competitors.
Advantages
- Income in the form of cryptocurrency rewards.
- Wide geographical coverage (Europe, United Kingdom, United States).
- No transaction fees.
Nexo Card
The Nexo Card combines two key functions: credit and debit. In credit mode, users leave cryptocurrency as collateral and receive borrowed funds, retaining the profit from the growth in the value of their assets. The advantages of debit mode are minimal storage costs and the ability to receive interest income on a daily basis. Customers can expect cashback of up to 2% in cryptocurrency.
Advantages
- Access to loans secured by cryptocurrency.
- Opportunity for passive income on deposits.
- High cashback in cryptocurrency.
Gnosis Pay
Gnosis Pay is an innovative card platform managed independently by the cardholder. It operates without third-party intermediaries and involves minimal bank intervention. Its key advantage is the absence of transaction and currency conversion fees. The card is ideal for the European market, where digital assets are widely used.
Advantages
- Independent control over funds.
- No transaction or conversion fees.
- Exclusive NFTs for early users.
Crypto.com Visa Card
The offers five reward tiers based on the amount of funds locked on the Crypto.com exchange. The minimum tier offers a permanent 1.5% cashback in Cronos (CRO), the card's native cryptocurrency; the highest tier, which requires a minimum lock-up of $500,000, increases the cashback to 5%. Some tiers offer a temporary cashback boost during the first year of card use. It is important to note that card bonuses never expire.
Advantages
- Various reward levels.
- Increased bonuses during the initial period of card ownership.
- No annual fee.
Bybit Card
Bybit, a major cryptocurrency trading platform, has launched its own Mastercard debit card. Users can use cryptocurrency directly to pay for goods and services. The card's features include flexible interest accrual options on the balance, support for popular cryptocurrencies (including BTC, ETH, USDT and USDC), and integration with Google and Apple Pay apps. The ‘auto-saving’ feature is particularly attractive, allowing users to earn interest on any funds held in their account.
Advantages
- Accrual of interest on free assets.
- Convenient payment options (Google and Apple Pay).
- Wide range of supported cryptocurrencies.
SORA Card
The SORA Card combines the capabilities of cryptocurrencies and traditional banking, giving users complete control over their assets. It is designed for fans of decentralisation and independent cryptocurrency storage. The card accepts XOR, the internal token of the SORA ecosystem, and allows transactions in regular currency. An important advantage is full compatibility with major blockchains such as Ethereum and Polkadot, as well as the ability to integrate with leading mobile payment systems – Apple Pay and Google Pay.
Advantages
- Possibility to use physical and virtual card formats.
- Compatible with the most popular blockchains.
- Accepted at numerous payment points worldwide.
- Funds are protected by modern encryption and biometric methods.
Fina Card
Fina is an innovative cryptocurrency that acts as a universal card for any wallet with a self-service function. One of the card's main features is its high transaction reward rate of up to 10% in FINA tokens. Fina supports various blockchain networks, including Ethereum, Binance Smart Chain and Avalanche, making it very convenient for active participants in the crypto world.
Advantages
- Supports multiple blockchains.
- High reward rate of up to 10%.
- Integration with most leading cryptocurrency management applications.
- You can set limits on transaction viewing for additional privacy control.
Holyheld Card
Holyheld is a non-custodial card designed for active use in the DeFi space. It allows you to perform numerous cryptocurrency operations, including trading on decentralised platforms, participating in DAO voting, and collecting NFTs. The card supports the Ethereum blockchain and compatible networks, providing cashback in USDC stablecoin up to 1%. No collateral is required to activate the card, and security is ensured through the use of the Holyheld access key.
Advantages
- Compatibility with different blockchains.
- Ability to top up from external non-custodial wallets.
- Up to 1% cashback in USDC.
- Several rates for physical and virtual cards, including the premium Metal version.
The table below compares the top 10 best cryptocurrency cards.
| Credit card | Who is it for | Card features | Cashback amount |
|---|---|---|---|
| Gemini | Beginner investors | Gives you 4% back on fuel, 3% on food, and 2% on groceries | Up to 4% |
| Venmo | Active travellers | Rewards you based on what you buy | Up to 3% |
| Coinbase | Experienced users | Offers an interest-free crypto card with cashback in crypto | Up to 2% |
| Nexo | Investors | Provides access to cryptocurrency-backed loans with cashback | Up to 2% |
| Gnosis Pay | Independent users | Standalone platform with complete independence of funds and high level of anonymity | No fixed percentage |
| Crypto.com Visa | Passionate enthusiasts | Five-tier reward system, from 1.5% to 5% depending on locked funds | From 1.5% to 5% |
| Bybit | European users | Works as a debit card with interest on free assets | Up to 10% |
| SORA | European users | Provides physical and virtual access to cryptocurrencies running on the Ethereum and Polkadot blockchains | No fixed percentage |
| Fina | Multi-blockchain users | Multi-level card with maximum rewards of up to 10% | Up to 10% |
| Holyheld | DeFi community members | Decentralised approach, no collateral requirements, cashback of up to 1% in USDC | Up to 1% |
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Conclusion
Cryptocurrency VCCs are becoming an increasingly popular choice for cryptocurrency enthusiasts, offering interesting ways to earn rewards and save money. However, when choosing a crypto card, it is important to carefully evaluate the terms of use, pay attention to fees and possible tax implications. Remember that timely repayment of debt is critical, otherwise interest can negate the entire effect of the rewards earned.
How do crypto card rewards work?
Crypto card rewards are bonuses in the form of cryptocurrency tokens for purchases made. The size and frequency of rewards depend on the policy of the specific card.
Are rewards from crypto credit cards taxable?
Yes, rewards received are considered taxable income and must be declared accordingly.
What is the difference between a crypto debit card and a crypto credit card?
Crypto debit cards require funds to be available in your account for each purchase, while crypto credit cards allow you to borrow money from the card issuer and pay it back later.
Are crypto credit cards safe?
Most crypto cards offer standard security measures such as a PIN and two-factor authentication, but as with any other card, you should exercise caution and check your activity regularly.
Is there a Coinbase credit card?
Yes, Coinbase offers its own credit card, which provides cashback rewards in cryptocurrency for purchases.
Does a cryptocurrency credit card affect your credit score?
Yes, any credit card affects your credit score, as it is taken into account by banks and credit bureaus when assessing your financial reliability.
Is a crypto credit card available without KYC?
No, most crypto cards require a KYC procedure to comply with regulatory requirements.
