Credit & Debit Cards
Credit cards that let you earn Bitcoin & crypto rewards.
Gemini Credit Card™
The Bitcoin Credit Card™ by Gemini. $200 in free BTC after spending $3k in 90 days. 4% back in BTC on gas/transit, 3% on dining, 2% on groceries, 1% on everything else.
Coinbase One Card
Earn 2-4% back in Bitcoin on every purchase. Rewards rate increases with assets held. Requires Coinbase One membership ($4.99/month or $49.99/year).
Fold Debit Card
Earn Bitcoin (satoshis) on every purchase with gamified rewards. Free base tier or Fold+ membership ($10/month or $100/year) for enhanced rewards up to 5% back.
Crypto.com Card
The Crypto.com Visa Card offers up to 6% back in cryptocurrency on purchases, with multiple metal card tiers and no annual fee. Rewards and benefits scale with your chosen tier and CRO staking/subscription.
Venmo Credit Card
The Venmo Credit Card automatically rewards you with up to 3% cash back on your top spending categories each month, with the option to convert rewards into Bitcoin and other cryptocurrencies.
Compare Cards
| Card | Best For | Rewards Rate | Annual Fee | Sign-Up Bonus | Availability |
|---|---|---|---|---|---|
|
Gemini Credit Card™
|
BTC maximalists & travelers | 1%-4% | $0 | $200 in crypto after $3k spend | United States |
|
Coinbase One Card
|
High spenders with $50k+ assets | 2%-4% | $0 | None | United States |
|
Fold Debit Card
|
No-fee beginners | 0.5%-5% | $0 | None | United States only |
|
Crypto.com Card
|
Non-US users & high rewards | 1.5%-6% | $0 | $100–$2,500 in CRO (varies by tier) | United States, Canada, Europe, UK, Australia, Singapore, Brazil & more (see Crypto.com for full list) |
|
Venmo Credit Card
|
Casual spenders & Venmo users | 1%-3% | $0 | None | United States only |
Gemini Credit Card™
Coinbase One Card
Fold Debit Card
Crypto.com Card
Venmo Credit Card
Card Details
Gemini Credit Card™
- 4%: Gas, EV charging, transit, taxis & rideshares (on up to $300 in spending per month, then 1% back thereafter in that month)
- 3%: Dining
- 2%: Groceries
- 1%: All other purchases
Monthly cap: 4% category capped at $300 in spend per month. Spend cycle refreshes on the 1st of each calendar month.
- 4% gas/transit category capped at $300/month spend
- Crypto rewards can decline in value
- Regular APR 18.74%–34.74% (no intro APR)
Coinbase One Card
- 2%: Less than $10,000 in assets
- 2.5%: $10,000-$50,000 in assets
- 3%: $50,000-$200,000 in assets
- 4%: More than $200,000 in assets
For the 2.5%, 3% and 4% rates, rewards are capped at $10,000 in purchases per month. After that, the rate drops to 2%.
- <$10k AOC: 2% back, uncapped
- $10k–$49,999 AOC: 2.5% on first $10k/mo, then 2%
- $50k–$199,999 AOC: 3% on first $10k/mo, then 2%
- $200k+ AOC: 4% on first $10k/mo, then 2%
- Requires paid Coinbase One membership ($4.99+/mo)
- Higher reward tiers need $50k–$200k+ in assets on Coinbase
- Monthly cap: $10k spend for 2.5%+ rates, then drops to 2%
Fold Debit Card
- Free tier: Earn at least 1% Bitcoin back with chances to earn more through daily spins
- Fold+ members: 0.5% base rewards on all purchases
- Fold+ rotating categories: 1.5% to 5% back with select merchants
- Daily Spins: All members get one free spin per day with chances to win up to 1 full Bitcoin for Fold+ members
- Rewards are gamified/randomized—no guaranteed flat rate on free tier
- Enhanced rewards require Fold+ ($10/mo or $100/yr)
- Debit card—doesn't help build credit history
Crypto.com Card
- Midnight Blue 1.5% back (no lockup or subscription required)
- Ruby Steel 3.5% back (with Plus subscription or $500 CRO lockup)
- Indigo & Jade 4.5% back (with Pro subscription or $5,000 CRO lockup)
- Icy White & Rose Gold 5% back (with $50,000 CRO lockup)
- Obsidian 6% back (with $500,000 CRO lockup)
- Midnight Blue No cap
- Ruby $25/mo
- Indigo/Jade $75/mo
- Icy/Rose/Obsidian No cap
- Rewards paid in CRO token only (not BTC)—value can fluctuate
- Premium tiers require 12-month CRO lockup ($500–$500k)
- Monthly reward caps on mid-tier cards ($25–$75/mo)
Venmo Credit Card
- 3% cash back on your highest spending category each month
- 2% cash back on your second-highest spending category
- 1% cash back on all other purchases
Categories are automatically determined based on your monthly spending patterns.
- Foreign transaction fees apply (not ideal for travel)
- No sign-up bonus available
- Crypto conversion includes a spread/margin on exchange rate
Which Card Is Best For You?
Not sure which crypto rewards card fits your spending habits? Here's our quick guide:
High Spenders ($50k+ assets)
Best pick: Coinbase One Card
Up to 4% back if you hold $200k+ on Coinbase. The tiered rewards system benefits those with significant crypto holdings.
No-Fee Beginners
Best pick: Fold Debit Card
Zero annual fee on the base tier. No crypto ownership required to start earning Bitcoin. Great for cautious newcomers.
BTC Maximalists
Best pick: Gemini Credit Card
Earn rewards directly in Bitcoin (or 50+ other cryptos). No foreign transaction fees. $200 sign-up bonus.
Non-US Users
Best pick: Crypto.com Card
Available globally in 100+ countries. Multiple card tiers with up to 6% back. No credit check required.
Debit-Only Users
Best picks: Fold or Crypto.com
Both are prepaid/debit cards. No credit check, no debt risk. Spend only what you load.
Casual Spenders
Best pick: Venmo Credit Card
Auto-optimizes categories based on your spending. Easy crypto conversion. Great for Venmo app users.
Our Methodology
Our team evaluated crypto rewards cards based on what matters most to Bitcoin and cryptocurrency enthusiasts. Here's how we approached our analysis:
Crypto & Bitcoin-Specific Rewards
We prioritized cards that offer rewards directly in Bitcoin or other cryptocurrencies. Cards that let you earn BTC specifically are highlighted, along with those offering a wider selection of crypto rewards.
Intro Offers & Sign-Up Bonuses
Welcome bonuses can add significant value. We clearly highlight which cards offer intro bonuses, including bonus crypto rewards for meeting spending thresholds within the first few months.
Clear Rewards Breakdown by Category
We present rewards rates as straightforward percentages back by spending category. This makes it easy to compare cards and understand exactly how much crypto you'll earn on dining, travel, groceries, and everyday purchases.
Credit vs. Debit Cards
This page includes both credit and debit cards. Credit cards typically offer higher rewards rates and sign-up bonuses but require a credit check. Debit cards are linked to your existing funds and may be easier to qualify for—ideal if you prefer not to take on credit or are building credit history.
Important Credit Considerations
- APRs vary by creditworthiness and issuer—always check current rates before applying
- Credit requirements: Most rewards cards require good to excellent credit (680+ score)
- Excluded transactions: Cash advances, balance transfers, and cash-like purchases typically don't earn rewards
- Tax implications: Crypto rewards may be taxable events depending on your jurisdiction—consult a tax professional
- Reward volatility: Cryptocurrency rewards can lose value—consider your risk tolerance
Disclaimer: The information provided on this page is for informational purposes only and does not constitute financial advice. Credit card terms, rewards rates, and offers are subject to change at any time without notice. Always review the official terms and conditions on the card issuer's website before applying. Some links on this page may be affiliate links, which means we may receive compensation if you apply for or are approved for a card.