YieldCrypto cards · honest cashback
Spend your crypto
without the fine-print trap.
Almost every card headlines an “up to X%” that needs staking a token, a VIP tier, or a paid subscription. We put the real no-stake base rate first — and show the ceiling only next to what it actually costs you.
| Card | Base | Max | What the max takes | FX fee | Available in | |
|---|---|---|---|---|---|---|
| ether.fi ether.fi Cash | 3 % | 3 % | 3% applies at every Club level, including free Core - the level changes only how much spending it covers. Core | 0% on EUR and USD transactions | 93 countries (not US) | → |
 Plutus Plutus Card | 3 % | 9 % | The base is 3% in PLU with no stake, rising by PLU-stake level up to 9% when holding 40,000 PLU. It requires a | 2.5% | UK, EEA, Not US / Canada / Asia | → |
 Bitget Bitget Card | 2 % | 12 % | Your rate is set by your Bitget exchange VIP level, and every tier has a hard monthly cap - non-VIP earns 2% b | 0.9% conversion + 1% foreign transaction | EEA, Select APAC, Not US / UK / Canada | → |
 Bybit Bybit Card | 2 % | 10 % | 2-10% depends on your Bybit exchange VIP tier or spend volume. The separate EU programme is a flat 1% instead. | 0.5% + 0.9% conversion | EEA, Switzerland, Australia, Argentina, | → |
 OKX OKX Card | 2 % | 10 % | 2-10% is set by your OKX exchange VIP tier, with a monthly cap that scales from about €10 up to €1,000. Crucia | 0.1-0.4% spread | EEA, Singapore, Not US | → |
 Uphold Uphold Debit Card | 2 % | 4 % | US Essential card pays a flat 2% in XRP on all spend, capped at $120/month. The 4% tier needs the Elite plan ( | US Essential 1.50% plus $2.95 per ATM withdrawal; US Elite 0% on both; UK card no foreign transaction fees | US (not NY / Louisiana / US territories) | → |
 Fold Fold Card | 1.5 % | 4 % | The credit card pays a base 1.5% in bitcoin on all eligible purchases with no cap. Getting to 4% takes two ext | $0 for Fold+ members | US only (SSN required) | → |
 Coinbase Coinbase Card | 1 % | 4 % | "Up to 4%" is a rotating reward category you must pick manually each period; the everyday default is about 1% | — | US only (except Hawaii) | → |
| MetaMask MetaMask Card | 1 % | 3 % | The free virtual card pays 1% in mUSD. 3% requires the paid Metal plan ($199/year) and applies only to the fir | — | US (49 states), UK, EEA, LATAM | → |
 CoinZoom ZoomCard | 0.5 % | 5 % | The base is a guaranteed 0.5% with no token required. It rises by ZOOM-token holding — 1% at 10,000, 2% at 50, | Crypto conversion 1.49% | US (not NY / WA) | → |
| Holyheld Holyheld Card | 0.5 % | 1 % | The base plan pays 0.5%; the paid Metal plan pays 1%. Cashback is paid in USDC but only after a 30-day holding | 0% in your account currency; 2.5% + EUR 1 on international payments | — | → |
 KuCoin KuCard | 0.5 % | 8.5 % | KuCoin's EEA card page headlines "up to 8.5%" but publishes no tier table at all - the "learn more" link on th | 0.5-0.8% Visa markup on cross-currency | EEA, Australia, New Zealand, Not US / UK | → |
 Nexo Nexo Card | 0.5 % | 2 % | Cashback is only earned in "Credit Mode" (spending a credit line borrowed against your crypto) and needs a por | — | EEA, UK, 30+ countries | → |
 Wirex Wirex Card | 0.5 % | 8 % | The Classic card pays a base 0.5% in WXT. Premium (9.99 EUR/month) lifts the base to 1% and Elite (29.99 EUR/m | 0% in 35 countries (limits apply) | UK, Outside EEA / Australia, Crypto cash | → |
 Crypto.com Crypto.com Visa | 0 % | 5 % | Five European tiers. The free card pays nothing. Ruby Steel pays 2% for EUR 3.99/month or EUR 450 of CRO stake | — | EEA: two tiers, verified, US: Visa Signa | → |
 Kraken Krak Card | 0 % | 2 % | Your rate is set by your average balance held with Krak over the previous 30 days, across five published tiers | — | UK, EEA | → |
 RedotPay RedotPay Card | 0 % | 3 % | The free card earns no cashback at all. The maximum 3% requires the paid RedotPay Pro plan (12.90 USD/month or | 1.0% conversion + 1.2% foreign transaction | Global, Not US / China / Russia / Ukrain | → |
| Gnosis Pay Gnosis Card | — | — | Cashback came from HOLDING GNO (not staking) on tiered thresholds - roughly 0.1 GNO -> 1%, 1 -> 2%, 10 -> 3%, | — | EU, UK | → |
| Tangem Tangem Pay | — | 4 % | Not launched yet. The page says "Earn up to 4% cashback" and "Get up to $75 welcome bonus" — both marked "Comi | — | EEA | → |
Click a column to sort. Base is what you get without staking a token, buying a subscription or reaching a VIP tier — the max almost always needs one of those.
Custodial · exchange-issued
Exchange cards
Plutus Plutus Card 3% Base cashback up to 9% Visa Region-limited
Plutus
Plutus Card
The base is 3% in PLU with no stake, rising by PLU-stake level up to 9% when holding 40,000 PLU. It requires a paid subscription (from 6.99 GBP/month) and each plan caps the monthly eligible spend that earns rewards (250 to 1,000 GBP). Rewards are paid in the PLU (Pluton) token.
- Monthly cap
- Monthly eligible-spend cap per plan (250-1000 GBP)
- Fees
- FX 2.5%
- Regulation
- Modulr FS (UK FCA EMI)
- Regions
- UK · EEA · Not US / Canada / Asia
The catch Handle with care. Rewards pay in the volatile PLU token and sit in a 45-day "pending" period before they're released. There is a documented UK Financial Ombudsman decision where an account was put into "sleep mode" and the user couldn't retrieve accrued PLU without a paid plan (the complaint was not upheld). Trustpilot sits around 1.7/5 with recurring subscription and support complaints, and the free tier was removed in 2026. The top 9% needs a large PLU stake.
The highest headline in this group and the most cautionary. The honest read — a 9% cap looks great until you weigh the volatile PLU payout, a 45-day pending hold, a lost ombudsman complaint over frozen rewards, poor Trustpilot scores and now-mandatory paid plans. Treat any advertised rate here with real skepticism.
Get the card → Verified 2026-08-31
Bitget Bitget Card 2% Base cashback up to 12% Visa Region-limited
Bitget
Bitget Card
Your rate is set by your Bitget exchange VIP level, and every tier has a hard monthly cap - non-VIP earns 2% but only up to $5 a month, VIP1-2 earns 4% up to $100, VIP3-4 earns 6% up to $350, and VIP5-7 earns 12% up to $800. Rewards are paid in BGB, Bitget's own token. This published table covers the Asia Pacific card; outside that region Bitget's own FAQ still says BGB cashback is "launching soon" and gives no rates.
- Monthly cap
- $5/month at non-VIP, rising to $800/month at VIP5-7
- Fees
- FX 0.9% conversion + 1% foreign transaction
- Regulation
- Issuer not disclosed (Visa-powered)
- Regions
- EEA · Select APAC · Not US / UK / Canada
The catch The monthly cap is the real story, not the percentage. At non-VIP the 2% stops at $5 of cashback a month, so beyond about $250 of spending you earn nothing more; the eye-catching 12% needs VIP5-7, which means serious exchange volume. The card is custodial — the spending balance is the same pool as your Bitget trading account. Rewards are in the BGB token, whose value floats, and the issuing bank is not disclosed.
A tier-gated exchange card where the monthly cap matters more than the headline rate. The honest read — rewards are in Bitget's own BGB token, the balance isn't separated from the exchange, and the 12% top rate needs a high exchange VIP tier. The older BGB-holding scheme (0.5% to 8%) has disappeared from Bitget's own docs.
Get the card → Verified 2026-08-31
Bybit Bybit Card 2% Base cashback up to 10% Mastercard Region-limited
Bybit
Bybit Card
2-10% depends on your Bybit exchange VIP tier or spend volume. The separate EU programme is a flat 1% instead. The 2% base is capped at about $5 per month.
- Monthly cap
- Base 2% capped at ~$5/month
- Fees
- FX 0.5% + 0.9% conversion
- Regulation
- Issuer varies by region (unconfirmed)
- Regions
- EEA · Switzerland · Australia · Argentina · Brazil · AIFC · APAC · Not US / Singapore / Hong Kong
The catch The 2% base is capped at roughly $5/month, so it maxes out after only ~$250 of spend. Anything higher needs a high exchange VIP tier. In the EU the card is just a flat 1%. The card issuer differs by region and we could not confirm it, so we leave it unstated.
Regionally available and heavily tier-gated. The honest read — a $5/month cap on the 2% base means the advertised "up to 10%" is realistic only for high-volume exchange VIPs. EU users get a flat 1%.
Get the card → Source bybit.com
Verified 2026-07-30 OKX OKX Card 2% Base cashback up to 10% Mastercard (EEA) / Visa (Singapore) Region-limited
OKX
OKX Card
2-10% is set by your OKX exchange VIP tier, with a monthly cap that scales from about €10 up to €1,000. Crucially, cashback is only earned on spending in USDG - paying with USDC or USDT earns 0%.
- Monthly cap
- Monthly cap ~€10 (base) up to €1,000 (top tier)
- Fees
- FX 0.1-0.4% spread
- Spends
- USDG (earns cashback) · USDC (0% cashback) · USDT (0% cashback)
- Regulation
- UAB Monavate (Lithuania EMI); OKX Europe (Malta CASP)
- Regions
- EEA · Singapore · Not US
The catch The single biggest trap — you only earn cashback when you pay in USDG. Spend the far more common USDC or USDT and you get nothing. On top of that, the higher tiers need a serious OKX exchange VIP status, and the rollout is new and limited.
A brand-new exchange card whose cashback is quietly conditional on spending a niche stablecoin (USDG). Pay with anything else and the reward vanishes - a detail easy to miss behind the "up to 10%" headline.
Verified 2026-07-30
Uphold Uphold Debit Card 2% Base cashback up to 4% Visa Region-limited
Uphold
Uphold Debit Card
US Essential card pays a flat 2% in XRP on all spend, capped at $120/month. The 4% tier needs the Elite plan ($99.99/year) and only applies to spend funded from a crypto or metal balance (3% from fiat), capped at $300/month. The UK card is a flat 1% in GBP, and only on GBP-funded spend.
- Monthly cap
- US Essential $120/month, US Elite $300/month, UK 1% capped at GBP 100/month
- Fees
- FX US Essential 1.50% plus $2.95 per ATM withdrawal; US Elite 0% on both; UK card no foreign transaction fees
- Regulation
- Cross River Bank (US, FDIC) / Optimus Cards UK (FCA EMI)
- Regions
- US (not NY / Louisiana / US territories) · UK
The catch Cashback is paid in XRP in the US and can't be switched to another asset, so its real value floats with the XRP price. USD balances are FDIC-insured via Cross River Bank, but crypto and metals are not insured. The 4% headline needs a paid Elite plan and crypto-funded spend. The biggest catch is in a footnote — for cards activated on or after 1 January 2026, Uphold states the reward value is available for three months after activation. On that reading every headline rate here is an introductory offer, not a standing one, and the $99.99 Elite plan renews annually while the 4% it buys does not.
One of the more transparent exchange cards. The honest read — a guaranteed 2% in XRP with no staking or token requirement is genuinely usable, but the cashback asset is fixed to XRP and the top 4% needs a $99.99/year plan. Only US and UK.
Get the card → Verified 2026-08-01
Fold Fold Card 1.5% Base cashback up to 4% Visa Region-limited
Fold
Fold Card
The credit card pays a base 1.5% in bitcoin on all eligible purchases with no cap. Getting to 4% takes two extras - +0.5% for paying your statement with bitcoin, plus up to 2% of bonus rewards that only apply to the first $2,000 you spend in a calendar month, and only if you keep Auto-Stack or Direct-to-Bitcoin activity running. The debit card pays 1.5% on categories like dining and travel and 0.5% on everything else, for Fold+ members.
- Monthly cap
- No cap on the base 1.5%; the bonus that lifts you to 4% only covers the first $2,000 of monthly spend, and the rewards account itself is capped at $10,000
- Fees
- FX $0 for Fold+ members
- Regulation
- Sutton Bank (debit, FDIC) / Celtic Bank (credit)
- Regions
- US only (SSN required)
The catch The 4% is smaller than it looks - the bonus half of it only runs on your first $2,000 of spending each month, so a heavy spender's blended rate drifts back toward 2%. Rewards are paid in bitcoin, so their value swings with the BTC price. It's US-only and needs an SSN, the boosts need the Fold+ plan ($100/year), your rewards balance is capped at $10,000 before you must withdraw, and bitcoin is held custodially via BitGo (insured to $250M by Lloyd's).
A bitcoin-maximalist card done fairly transparently — custodial BTC with real insurance and no annual card fee. The honest read — the everyday base is 1.5% in bitcoin, the marketed higher numbers need conditions or the paid plan, and it's US-only. Best for people who actively want to stack sats, not for fiat cashback.
Get the card → Verified 2026-08-31
Coinbase Coinbase Card 1% Base cashback up to 4% Visa (debit) Region-limited
Coinbase
Coinbase Card
"Up to 4%" is a rotating reward category you must pick manually each period; the everyday default is about 1% paid in BTC or ETH. No staking required.
- Paid in
- Crypto (BTC / ETH or the selected asset)
- Fees
- Issuance None
- Spends
- USDC · BTC · ETH
- Issuer
- Pathward N.A.
- Regulation
- Pathward, N.A. (US, Member FDIC), Visa
- Regions
- US only (except Hawaii)
The catch A ~2.49% crypto conversion spread applies when you spend a non-USDC balance, which quietly eats most of the 1% reward. The higher 4% needs the rotating category active. Coinbase publishes no reward rate for this debit card anywhere on the web — its own help centre says the rate is variable and to check the app — so the figures here are the best public reading, not a quoted rate. The separate Coinbase One Card is a credit card on the Amex network, issued by First Electronic Bank through Cardless. Its published ladder is 2%, 2.5%, 3% and 4% in bitcoin, set by your Assets on Coinbase, and everything above 2% is capped at a combined $10,000 of purchases a calendar month before dropping back to 2%. It needs an active paid Coinbase One membership from $49.99 a year, and the asset thresholds that move you between tiers are not published.
A US-only Visa debit that spends your Coinbase balance. Pay with USDC to avoid the conversion spread; the "up to 4%" is a manual rotating category, not a flat rate. Honest base is roughly 1%.
Get the card → Verified 2026-07-06
CoinZoom ZoomCard 0.5% Base cashback up to 5% Visa Region-limited
CoinZoom
ZoomCard
The base is a guaranteed 0.5% with no token required. It rises by ZOOM-token holding — 1% at 10,000, 2% at 50,000, 3% at 150,000, up to 5% at 300,000 ZOOM. Rewards are paid in the ZOOM token and capped to the first $5,000/month of spend in select merchant categories.
- Monthly cap
- First $5000/month in select merchant categories
- Fees
- FX Crypto conversion 1.49%
- Regulation
- US money transmitter (enforcement actions in OH and WA)
- Regions
- US (not NY / WA)
The catch The flag here is regulatory. Ohio suspended CoinZoom's money-transmitter licence in 2024, and in February 2026 Washington ordered it to surrender its licence with a fine and a ban on operating in the state until 2029. Rewards pay in the volatile ZOOM token, and the 5% top rate needs 300,000 ZOOM. The card is custodial and Trustpilot sits around 2.9/5 with recurring withdrawal-delay complaints.
A US token-tier card carrying active state enforcement actions. The honest read — the guaranteed base is a modest 0.5%, the 5% top needs a large ZOOM holding, and the bigger concern is the regulatory record (Ohio suspension, Washington surrender order). Understand the state-level risk before funding it.
Get the card → Verified 2026-08-31
KuCoin KuCard 0.5% Base cashback up to 8.5% Visa Region-limited
KuCoin
KuCard
KuCoin's EEA card page headlines "up to 8.5%" but publishes no tier table at all - the "learn more" link on that page leads to a cookie policy. The last breakdown KuCoin ever published (a 2024 announcement) tied the rate to exchange VIP level and topped out at 3%, with 0.5% at the bottom. So treat 8.5% as the advertised ceiling for the very top VIP tiers and 0.5% as the floor; everything between them is only visible inside the app.
- Monthly cap
- Not published
- Fees
- FX 0.5-0.8% Visa markup on cross-currency
- Regulation
- Wallester AS (EEA, Visa) / Immersve (Australia, Mastercard)
- Regions
- EEA · Australia · New Zealand · Not US / UK
The catch The card is custodial and funds stay on KuCoin until spent. KuCoin the exchange is banned in the US after a CFTC settlement, so the card is unavailable there. The 3% tier needs 3,500 KCS, whose value floats, and the product is fragmented across regions with different issuers, networks and rates. Service was briefly suspended for maintenance in 2025.
A regionally fragmented exchange card with the worst disclosure on our board. KuCoin advertises "up to 8.5%" on its own EEA page and then publishes no tier table anywhere — you cannot find out what you would actually earn without opening an account. Rewards ride on the KCS token, and the card isn't available in the US or UK.
Get the card → Verified 2026-08-31
Nexo Nexo Card 0.5% Base cashback up to 2% Mastercard Region-limited
Nexo
Nexo Card
Cashback is only earned in "Credit Mode" (spending a credit line borrowed against your crypto) and needs a portfolio of at least $5,000. 2% is paid in NEXO tokens at the top loyalty tier; choosing BTC payout caps you at 0.5%.
- Paid in
- NEXO (2%) or BTC (0.5%)
- Fees
- ATM Free up to EUR 200/month at Base, rising to EUR 2,000 at Platinum; then 2% (min EUR 1.99)
- Issuer
- DiPocket
- Regulation
- DiPocket UAB (Lithuania/UK EMI)
- Regions
- EEA · UK · 30+ countries
The catch To earn anything you must use Credit Mode — i.e. borrow against your own crypto — and hold a $5,000+ portfolio. The headline 2% is paid in the volatile NEXO token and requires the top loyalty tier; the BTC option is a quarter of that.
A hybrid card built around Nexo's lending model. It only rewards you when you spend borrowed money against collateral, which is a fundamentally different (and riskier) proposition than a plain cashback debit card.
Get the card → Source nexo.com
Verified 2026-08-31 Wirex Wirex Card 0.5% Base cashback up to 8% Mastercard Region-limited
Wirex
Wirex Card
The Classic card pays a base 0.5% in WXT. Premium (9.99 EUR/month) lifts the base to 1% and Elite (29.99 EUR/month) to 4%. The advertised 8% needs the Elite plan plus locking 7.5 million WXT for 180 days. Rewards are paid in the WXT token.
- Monthly cap
- Per-tier monthly caps (not fully specified)
- Fees
- FX 0% in 35 countries (limits apply)
- Regulation
- Transact Payments Malta (EEA) / Wirex (UK, FCA EMI)
- Regions
- UK · Outside EEA / Australia · Crypto cashback disabled in EEA / Australia since 30 Jun 2026
The catch This is the big one — since 30 June 2026 the Classic app's crypto features and the Cryptoback cashback are switched off for EEA and Australia users, leaving only fiat there; those users are pushed to a separate new product, Wirex One. Where the Classic card still works, cashback pays in the volatile WXT token and the 8% headline needs a paid Elite plan plus a 180-day lock of 7.5M WXT. The card is custodial.
Once a flagship crypto card, now regionally hollowed out. The honest read — if you're in the EEA or Australia the Classic card's crypto cashback is gone as of 30 June 2026, and where it survives the rewards are in volatile WXT with an 8% top rate that demands a paid plan and a large token lock. Check your region first.
Get the card → Verified 2026-08-31
Crypto.com Crypto.com Visa 0% Base cashback up to 5% Visa Active
Crypto.com
Crypto.com Visa
Five European tiers. The free card pays nothing. Ruby Steel pays 2% for EUR 3.99/month or EUR 450 of CRO staked for 12 months, capped at $25 of rewards a month. Royal Indigo / Jade Green pays 3% for EUR 24.99/month or EUR 4,500 staked, capped at $75. Above those the subscription route disappears and only a lockup opens the door — 4% needs EUR 45,000 of CRO staked for a year, 5% needs EUR 450,000 — both uncapped. Rewards are paid in CRO. In the US the product is a different one — a Visa Signature credit card with five Level Up tiers, from a free 1.5% up to 6%, where the top two are gated by CRO lockups of $50,000 and $500,000. Only the CRO payout is unlimited; taking rewards in BTC applies the headline rate up to a monthly spend threshold and drops to 1-2% after it.
- Monthly cap
- $25/month on Ruby Steel, $75/month on Royal Indigo and Jade Green; uncapped on the two lockup-only tiers
- Paid in
- CRO
- Fees
- Annual Free tier pays 0%; EUR 3.99/month (Ruby Steel) or EUR 24.99/month (Royal Indigo / Jade Green); the 4% and 5% tiers have no subscription route, only a CRO lockup
- Regulation
- Community Federal Savings Bank (US) / Foris MT Ltd (Malta, MFSA)
- Regions
- EEA: two tiers, verified · US: Visa Signature credit card, five Level Up tiers 1.5-6%, verified
The catch Do the arithmetic before you subscribe. The 3% tier costs EUR 24.99 a month and caps rewards at $75, so it only pays for itself if you put roughly EUR 1,000 a month through the card. The two tiers above it cannot be bought at all — 4% and 5% require locking EUR 45,000 and EUR 450,000 of CRO for a year, which is the real product here — a token sale wearing a cashback badge. Rewards are paid in CRO, and travel rewards are still marked "coming soon".
The best-known crypto card. Five European tiers — a free one paying nothing, two subscriptions at 2% and 3% with tight monthly caps, and above them 4% and 5% that money cannot buy at all — only a EUR 45,000 or EUR 450,000 CRO lockup opens them. The old 8.5-9.5% figures are gone from the European site. The honest read — the reachable tiers are a subscription you must out-spend, and the headline 5% is a token lockup with a cashback badge on it.
Get the card → Source crypto.com
Verified 2026-08-31 Kraken Krak Card 0% Base cashback up to 2% Mastercard Region-limited
Kraken
Krak Card
Your rate is set by your average balance held with Krak over the previous 30 days, across five published tiers - below EUR/GBP 200 you earn nothing at all, then 0.5% from 200, 1% from 1,000, 1.5% from 10,000 and 2% from 50,000. The tier is reassessed every 30 days, and the rate is locked in when the merchant settles the transaction, not when you pay. There is no monthly cashback cap.
- Monthly cap
- None (uncapped)
- Issuer
- Monavate
- Regulation
- MiCA CASP (Payward Europe, Ireland)
- Regions
- UK · EEA
The catch The bottom tier genuinely pays zero — keep less than EUR/GBP 200 with Krak and the card earns you nothing, which is easy to miss behind an "up to 2%" headline. The 2% needs a ~EUR/GBP 50,000 balance parked on the platform. It is also a new card (launched November 2025; metal version March 2026), so the track record is thin, and the product moved domain from krak.com to krak.app.
One of the more honest exchange cards — no monthly cashback cap, a fully published tier table, and MiCA regulation in the EU. The trade-off is that the top 2% rate demands a serious Kraken balance, most users sit at 0.5-1%, and anyone holding under EUR/GBP 200 earns nothing at all.
Get the card → Verified 2026-08-31
RedotPay RedotPay Card 0% Base cashback up to 3% Visa Active
RedotPay
RedotPay Card
The free card earns no cashback at all. The maximum 3% requires the paid RedotPay Pro plan (12.90 USD/month or 129 USD/year) and applies only to Apple Pay and Google Pay payments, not ordinary card spend. It's capped at 18 USDs of cashback per month, paid in "USDs", RedotPay's internal dollar unit.
- Monthly cap
- 18 USDs per month
- Fees
- FX 1.0% conversion + 1.2% foreign transaction
- Regulation
- Hong Kong MSO/TCSP; US FinCEN MSB (issuer not disclosed)
- Regions
- Global · Not US / China / Russia / Ukraine / sanctioned
The catch The headline trap here is the base — the standard card earns 0% cashback, so the "up to 3%" only exists behind a paid subscription and only on mobile-wallet payments, capped at $18/month. The card is custodial; RedotPay cites Fireblocks custody and $42M cover in one place while another source finds no public proof-of-reserves, so we treat insurance as unconfirmed. The issuing bank is not disclosed.
A widely available global card whose cashback is weaker than it looks. The honest read — the standard card pays nothing, and the advertised 3% is gated behind a paid plan, mobile-wallet-only spend and an $18/month cap. Fine as a spending card in unsupported-elsewhere regions, but not a cashback story.
Get the card → Verified 2026-07-30
Self-custodial · spend from your wallet
Self-custodial cards
e ether.fi ether.fi Cash 3% Base cashback up to 3% Visa Region-limited
ether.fi
ether.fi Cash
3% applies at every Club level, including free Core - the level changes only how much spending it covers. Core is capped at $2,000 of spending per month, Luxe at $10,000 and Pinnacle at $50,000. Levels are earned by spending (3,000 points per $1,000), not by staking ETHFI. Rates may differ on zero-FX-fee EUR transactions.
- Monthly cap
- $2,000/month of spending at Core, $10,000 at Luxe, $50,000 at Pinnacle
- Fees
- FX 0% on EUR and USD transactionsATM 2%
- Regulation
- Third National / Nimbus LLC (Puerto Rico money transmitter, not a bank)
- Regions
- 93 countries (not US)
The catch The limit is on how much spending earns, not on the rate - at the free Core level only the first $2,000 you spend each month earns the 3%. This is a credit-style card, so you are borrowing against your own collateral and repaying, not spending a balance. It is unavailable in the US, ATM withdrawals cost 2%, and the card is operated by a Puerto Rico money transmitter rather than a bank.
A self-custodial, credit-style Visa spending straight from your on-chain assets. The rewards programme was rebuilt - 3% now applies at every level including the free one, and the old requirement to stake 15,000-100,000 ETHFI is gone. What the levels buy you now is headroom, not a higher rate.
Get the card → Source ether.fi
Verified 2026-07-30 M MetaMask MetaMask Card 1% Base cashback up to 3% Mastercard Active
MetaMask
MetaMask Card
The free virtual card pays 1% in mUSD. 3% requires the paid Metal plan ($199/year) and applies only to the first $10,000 of spend per year.
- Monthly cap
- 3% tier limited to first $10,000/year
- Paid in
- mUSD
- Fees
- Annual Free (virtual) / $199 per year (Metal)
- Spends
- USDC · USDT · mUSD · aUSDC
- Issuer
- Monavate + Cross River Bank
- Regulation
- Cross River Bank (US) / Monavate (EEA)
- Regions
- US (49 states) · UK · EEA · LATAM
The catch Truly self-custodial - it spends stablecoins straight from your own wallet (your aUSDC even earns yield up to the moment you tap). But the eye-catching 3% needs a $199/year subscription and only counts on your first $10,000 of annual spend; above that it drops back to 1%.
The flagship self-custodial card — no exchange holds your money, and idle funding assets keep earning DeFi yield until spent. The 3% is a paid, capped perk - the honest everyday rate is 1% in mUSD.
Get the card → Source metamask.io
Verified 2026-08-31 H Holyheld Holyheld Card 0.5% Base cashback up to 1% Mastercard Active
Holyheld
Holyheld Card
The base plan pays 0.5%; the paid Metal plan pays 1%. Cashback is paid in USDC but only after a 30-day holding period.
- Paid in
- USDC (after a 30-day hold)
- Fees
- FX 0% in your account currency; 2.5% + EUR 1 on international paymentsATM EUR 1 domestic; 2.5% + EUR 2 international
- Spends
- USDC and other on-chain stablecoins (many chains)
- Issuer
- Unlimit
- Regulation
- Unlimit (Cyprus EMI, Central Bank of Cyprus)
- Regions
- —
The catch Self-custodial and works across many chains, but the rewards are modest — 1% only on the paid Metal plan, and the cashback lands in USDC only after a 30-day hold. A EUR 1/month inactivity fee kicks in after 4 months of no use. The card network was not confirmed in our sources, so we leave it blank.
A multi-chain self-custodial card with straightforward but small cashback. The USDC payout is real money (not a volatile token), but you wait 30 days for it, and only the paid tier reaches 1%.
Get the card → Source holyheld.com
Verified 2026-08-31 G Gnosis Pay Gnosis Card — Base cashback Visa Active
Gnosis Pay
Gnosis Card
Cashback came from HOLDING GNO (not staking) on tiered thresholds - roughly 0.1 GNO -> 1%, 1 -> 2%, 10 -> 3%, 100 -> 4%, plus 1% with an OG NFT. This ran under program GIP-131, which expired on 30 June 2026 and is being restructured (Zeal / Picnic), so we treat the current rate as unconfirmed rather than publish it.
- Fees
- Annual EUR 30/year
- Spends
- Stablecoins on Gnosis Chain (Safe smart account)
- Issuer
- Monavate
- Regulation
- Monavate (UK FCA EMI / Lithuania UAB for EEA)
- Regions
- EU · UK
The catch Self-custodial via a Safe smart-account on Gnosis Chain - you keep control of the keys. But the cashback always required parking a large amount of GNO (capital tied up in a volatile token), and the program that paid it (GIP-131) ended on 30 June 2026, so what the rate becomes next is genuinely unsettled right now. Gnosis Pay has also turned its public site into a business pitch for white-label card infrastructure — the consumer card now lives only behind a wallet connect at app.gnosispay.com.
A genuine self-custodial Visa built on a Safe smart account. We deliberately do not headline a cashback number — the GNO-holding rewards ran under a program that has just expired, and the replacement is not confirmed yet.
Get the card → Verified 2026-07-30
T Tangem Tangem Pay — Base cashback up to 4% Visa (virtual) Not launched yet
Tangem
Tangem Pay
Not launched yet. The page says "Earn up to 4% cashback" and "Get up to $75 welcome bonus" — both marked "Coming soon". No base rate published.
- Fees
- Annual None - only Polygon gas (~$0.01 per payment)
- Spends
- USDC (Polygon)
- Regulation
- MiCA (EEA, from 23 March 2026)
- Regions
- EEA
The catch Self-custodial — it spends USDC on Polygon straight from your Tangem wallet, with no monthly or per-transaction fees beyond a fraction of a cent in gas. The downsides are that it is brand new with a very small footprint, and there is no cashback programme to speak of yet.
A near-zero-fee self-custodial card that spends USDC on Polygon. There is no cashback to advertise, so we do not invent one - the honest pitch here is cheap, keys-in-your-pocket spending, not rewards.
Get the card → Verified 2026-08-31
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How to read this. Cards have no rate API, so this catalog is checked by hand and dated. Rates, tiers and regional availability change often — always confirm on the provider's official page before applying. This is information, not financial advice.