Best crypto cards in the USA in 2026
Most crypto cards exclude US residents. These are the ones that don't, ranked by what you'd actually earn and pay.
Quick answer
The best crypto cards for US residents are the Gemini Credit Card (up to 4% in crypto, no annual fee), the Coinbase One Card (2% to 4% in bitcoin with a membership), the Fold credit card (1.5% to 5% in bitcoin), Uphold (2% to 4% in XRP) and the MetaMask Card for self-custody spending. Many popular crypto cards, including Bybit, Ethena Pay and RedotPay, don't serve the US.
Our picks
1. Gemini Credit Card
Up to 4% back in 50+ cryptos, no annual fee and no foreign transaction fee. Needs good credit.
2. Coinbase Card
2% to 4% back in bitcoin on the Coinbase One Card. Needs a Coinbase One membership from $49.99 a year.
3. Fold Card
1.5% uncapped in bitcoin with no annual fee, up to 5% with a large Fold Reserve balance.
4. Uphold Card
Free card with 2% in XRP, or $99.99 a year for up to 4% and no FX fee. Not in New York or Louisiana.
5. MetaMask Card
Self-custody Mastercard that spends stablecoins straight from your wallet.
6. Oobit
Tap to pay from MetaMask, Trust Wallet or Phantom, with up to 10% back once unlocked.
7. Avici
Self-custody secured credit card with no FX markup, in most US states.
8. Tria
Self-custody card with up to 6% back on a paid membership.
9. Crypto.com Visa Card
Up to 6% in CRO on the US credit card at top Level Up tiers.
Side by side
| Card | Score | Cashback | FX fee | Annual fee | ATM | Custody | Regions |
|---|---|---|---|---|---|---|---|
 Image: GeminiGemini Credit Card |
6.7 | 1% to 4% back in crypto | No foreign transaction fee | None | Credit card cash advance | Custodial | United States |
 Image: CoinbaseCoinbase Card |
6.3 | 2% to 4% in BTC (Coinbase One Card, US) | Not published | Debit card: no annual fee listed | $0 from Coinbase (debit card) | Custodial | United States, Europe (EEA), United Kingdom |
 Image: FoldFold Card |
5.3 | 1.5% to 5% in bitcoin | Not published | $0 | Credit card cash advance terms apply | Custodial | United States |
 Image: UpholdUphold Card |
6.6 | 2% to 4% in XRP (US) | Elite 0% | Essential free | Elite $0 from Uphold | Custodial | United States, United Kingdom |
 Image: MetaMask (Consensys)MetaMask Card |
7.4 | About 1% back, up to 3% on Metal | Free tier: 1% cross-border fee | Free tier $0 | Free tier: 2% | Self-custody | United States, Canada, Europe (EEA), United Kingdom, Latin America |
 Image: OobitOobit |
6.1 | 5% in USDT or 10% in OOB | Up to 3% on non-USD | None | 2.5%, max $250 per withdrawal, 3 a day | Hybrid custody | United States, Europe (EEA) |
 Image: AviciAvici |
6.5 | No ongoing cashback | 0% Avici markup | Platinum none | Platinum: $1 plus 0.65% per withdrawal | Self-custody | United States, Latin America, Asia-Pacific, Middle East |
 Image: TriaTria |
7.1 | 1.5% to 6% on early monthly spend | 1% on non-USD spending | Lite $20 a year | Lite: virtual only | Self-custody | United States, Europe (EEA), United Kingdom, Latin America, Asia-Pacific, Middle East, Africa |
 Image: Crypto.comCrypto.com Visa Card |
6.4 | Up to 4.5% in CRO (prepaid), up to 6% (US credit) | 0% on prepaid in the US, Canada and EEA | No annual card fee on prepaid cards | ATM withdrawals supported on prepaid cards | Custodial | United States, Canada, Europe (EEA), United Kingdom, Latin America, Asia-Pacific, Middle East |
How we picked
We only included cards that accept US residents, then ranked by rewards on the easiest tier, fees and custody. Full details are on our methodology page. Card terms change often, so check each card's page for the date we last verified it.