Best crypto credit cards in 2026

By Taimoor Updated 17 October 2026

"Crypto credit card" means two different things. Some are normal credit cards that pay rewards in crypto. Others let you borrow against crypto you already hold. Both are listed here.

Quick answer

The best crypto credit cards are the Gemini Credit Card (up to 4% in crypto, no annual fee), the Coinbase One Card (2% to 4% in bitcoin) and the Fold card (1.5% to 5% in bitcoin), all in the US. Outside the US, ether.fi Cash and Nexo let you spend by borrowing against your crypto, and Avici is a secured credit card backed by your own USDC.

Our picks

1. Gemini Credit Card

Normal US credit card, up to 4% back in your choice of crypto, no annual fee.

1% to 4% back in crypto Custodial Mastercard

6.7out of 10

2. Coinbase Card

American Express card with 2% to 4% back in bitcoin and a Coinbase One membership.

2% to 4% in BTC (Coinbase One Card, US) Custodial Bank transfers Visa

6.3out of 10

3. Fold Card

No-fee Visa credit card with 1.5% uncapped in bitcoin and up to 5% with Fold Reserve.

1.5% to 5% in bitcoin Custodial Visa

5.3out of 10

4. ether.fi Cash

Spend by borrowing against your crypto with no fixed repayment schedule, plus 3% back.

3% to 4% back Self-custody Visa

7.8out of 10

5. Nexo Card

Credit Mode borrows against your crypto, with up to 2% back in NEXO. Europe.

0.5% to 2% in NEXO (Credit Mode only) Custodial Bank transfers Mastercard

5.7out of 10

6. Avici

Secured credit card backed by your own USDC escrow, with no FX markup.

No ongoing cashback Self-custody Read the warning Visa

6.5out of 10

7. Crypto.com Visa Card

US Visa Signature credit card with up to 6% in CRO on top tiers.

Up to 4.5% in CRO (prepaid), up to 6% (US credit) Custodial Bank transfers Visa or Mastercard

6.4out of 10

8. Karta Card

Premium US credit card with lounge access and no FX fee, $300 a year.

Not published Custody not disclosed Visa

3.5out of 10

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: ether.fiether.fi Cash	7.8	3% to 4% back	About 1% plus up to 0.5%	Core free	ATM withdrawals on all tiers	Self-custody	Europe (EEA), United Kingdom, Latin America, Asia-Pacific, Middle East
Image: NexoNexo Card	5.7	0.5% to 2% in NEXO (Credit Mode only)	0.2% to 2.5%	None	Free allowance by tier, then 2%	Custodial	Europe (EEA), United Kingdom, Latin America
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: 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
Image: KartaKarta Card	3.5	Not published	0% foreign transaction fee	$300 a year	$5 or 3%, whichever is greater, plus operator fees	Custody not disclosed	United States

How we picked

We included credit cards and borrow-to-spend cards, then ranked by rewards, fees and how risky the borrowing is. Full details are on our methodology page. Card terms change often, so check each card's page for the date we last verified it.

More best picks

Best crypto cards for cashback in 2026The crypto cards with the strongest cashback, ranked by what you actually keep after caps, token requirements and fees.Best self-custody crypto cards in 2026Crypto cards that spend from a wallet you control, compared by fees, rewards and where they work.Best crypto cards for travel and low FX fees in 2026The crypto cards that cost the least when you pay in a foreign currency or take out cash abroad.Best crypto cards in the USA in 2026The best crypto debit and credit cards available to US residents, compared on rewards, fees and custody.Best crypto cards in Europe and the UK in 2026The best crypto cards for residents of the EEA and the UK, compared on FX, cashback, IBANs and custody.Best crypto exchange cards in 2026Cards from Binance, Bybit, OKX, Kraken, Coinbase, Crypto.com, Bitget, KuCoin, Gate and MEXC, compared.Best crypto cards in Latin America in 2026Crypto and stablecoin cards that work in Mexico, Brazil, Argentina, Colombia and the rest of Latin America, compared by FX, fees and cashback.Best crypto cards in Asia-Pacific in 2026Crypto cards for Asia and Australia compared by FX, top-up costs, cashback and where they're issued.Best crypto cards in Africa in 2026Crypto and stablecoin cards available in Nigeria, Kenya, Ghana, South Africa and other African countries, compared by fees and funding options.Best crypto cards in the Middle East in 2026Crypto cards for the UAE, Saudi Arabia, Bahrain and the wider Middle East, compared by fees, cashback and availability.Best crypto cards in Canada in 2026Crypto cards Canadians can actually get, compared by FX fees, bitcoin and crypto rewards and how easy they are to fund with Interac.Best free crypto cards in 2026 (no annual fee)Crypto cards with no annual, monthly or card fee, ranked by what they really cost to use and what they pay back.Best crypto cards for ATM withdrawals in 2026Crypto cards with the cheapest ATM cash, compared by withdrawal fees, free allowances and limits.