As cryptocurrencies continue to revolutionize finance, crypto credit cards have emerged as a popular tool for both crypto enthusiasts and everyday spenders. These cards allow you to earn cryptocurrency rewards while spending just like you would with a traditional credit card.

Instead of receiving points or cashback, you accumulate digital assets like Bitcoin, Ethereum, and other cryptocurrencies. If you're looking to integrate crypto into your daily spending routine, crypto credit cards are an excellent way to start. In this guide, we’ll explore what crypto credit cards are, how they work, and the key features to consider when selecting the best one for you.

Instantly* earn crypto back on every swipe with no annual fee

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Supported cryptocurrencies

50+

Cashbacks

4% back in crypto on gas purchases, 3% back on dining, 2% on groceries, and 1% on all other transactions

Earn up to 3% cashback and spend crypto with Venmo Credit Card no annual fee

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Supported cryptocurrencies

Cashback Rewards

3% in top category 2% in second category 1% on other purchases

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Discover the Top Crypto Virtual Cards of 2025

Gemini Review

Advertiser disclosure: This is sponsored content and we may receive a referral bonus if you apply for the Gemini Credit Card. It does not influence our evaluations or recommendations and our opinions are our own.

The Gemini Credit Card is the only instant* crypto rewards credit card that provides a seamless way for consumers to acquire bitcoin, ethereum, or 50 cryptos back on every transaction.

Cardholders earn 4% back on gas and EV charging**, 3% back on dining, 2% crypto back on groceries, and 1% crypto back on all other purchases, with rewards automatically deposited into their Gemini account.

Additionally, they can change their selected crypto reward as often as they like which allows them to earn a wide variety of cryptocurrencies over the course of each month.

Cardholders will be able to use the Gemini Credit Card anywhere Mastercard is accepted and can choose from among 50+ types of cryptocurrencies currently supported for rewards on Gemini's exchange platform, including bitcoin, ether, dogecoin and other tokens.

Additional features of the Gemini Credit Card include:

No annual fees: The Gemini Credit Card has no annual fee and no foreign transaction fees***. There are no exchange fees to receive crypto rewards****.

Instant access: After approval, customers can instantly access a digital version of their Gemini Credit Card on the Gemini mobile or web application. In addition, consumers can add the card to their mobile wallet and begin making purchases online, in-app, and at the point of sale.

Security-first design: Sensitive information, such as the 16-digit card number, is removed from the physical card and only accessible to cardholders via the Gemini mobile or web application.

Stainless steel: The Gemini Credit Card's sleek, stainless steel card is made from 75% recycled material and is available in three color options including silver, rose gold, and black.

World Mastercard® Benefits: Customers can receive access to exclusive offers with select merchants such as Lyft, Instacart, and ShopRunner, as well as Mastercard's Priceless® Experiences. The Gemini Credit Card will include advanced security features including Mastercard ID Theft Protection™, Zero Liability and Price Protection.

Disclosures:

*Issued by WebBank. Some exclusions apply in which rewards are deposited when the transaction posts.

**4% back is available on up to $200 in spend per month (then 1% on all other Gas at the pump and EV charging purchases that month). Spend cycle will refresh on the 1st of each calendar month.

***Rates & Fees apply.

****Fees may be incurred for selling or converting your crypto rewards.

Supported cryptocurrencies

50+

Cashbacks

4% back in crypto on gas purchases, 3% back on dining, 2% on groceries, and 1% on all other transactions

Instantly* earn crypto back on every swipe with no annual fee

Apply Now

Venmo Review

Advertiser disclosure This is sponsored content and we may receive a referral bonus if you apply for the Venmo. It does not influence our evaluations or recommendations and our opinions are our own.

Venmo offers a seamless way to earn cashback and spend cryptocurrencies through the Venmo app. Issued by Visa the card provides up to 3% cashback on eligible purchases automatically deposited into your Venmo account. Users can spend Bitcoin Ethereum USDC and Litecoin at millions of merchants worldwide by linking their crypto balance to the card via the Venmo platform.

Cardholders earn 3% cashback in their top spending category 2% in the second-highest category and 1% on all other purchases with rewards redeemable for crypto or cash. The card integrates with the Venmo app allowing users to manage spending split bills and buy or sell crypto directly. No annual fee and no foreign transaction fees make it cost-effective for everyday use.

Additional features of the Venmo include

Personalized Rewards Earn tailored cashback based on your spending habits Instant Digital Access Add the card to mobile wallets like Apple Pay for immediate use Secure Design Access card details only through the Venmo app for enhanced privacy Customizable Card Choose from five vibrant designs to match your style Visa Benefits Enjoy exclusive offers with select merchants and Visa Zero Liability protection

Venmo is ideal for users seeking flexibility in spending crypto and earning rewards. Its integration with the Venmo app and social payment features makes it a unique choice for modern spenders.

Disclosures

Issued by Synchrony Bank. Cashback rates apply to eligible purchases and reset monthly based on spending categories. Some fees may apply for crypto transactions or conversions.

Perks

Earn up to 3% cashback redeemable for crypto or cash

Spend Bitcoin Ethereum USDC and Litecoin globally

No annual fee or foreign transaction fees

Manage card and crypto in the Venmo app

Supported cryptocurrencies

Cashback Rewards

3% in top category 2% in second category 1% on other purchases

Earn up to 3% cashback and spend crypto with Venmo Credit Card no annual fee

Apply Now

Buy crypto

Sell crypto

I want to buy

Bitcoin(BTC)

How much?

What is a Bicoin and Crypto Credit Card?

Crypto credit cards work similarly to traditional credit cards, but instead of earning fiat-based rewards, you receive cryptocurrency for every purchase. This makes them an attractive option for those who want to build their digital asset portfolio passively while continuing their normal spending habits.

What sets crypto credit cards apart?

Earn crypto rewards: Instead of cashback or travel points, you get cryptocurrency with every transaction.
Accessible spending: These cards function just like regular credit cards, allowing you to make purchases anywhere traditional cards are accepted.
Seamless crypto integration: Earned crypto is often stored in a linked digital wallet, making it easy to manage your rewards or convert them into fiat currency.

Whether you’re a seasoned crypto investor or just getting started, crypto credit cards offer a way to integrate cryptocurrency into your everyday life effortlessly.

Key Features to Look for in Crypto Credit Cards

Not all crypto credit cards are created equal. To choose the right one for your financial goals, it’s important to evaluate a few key features:

Rewards Rates

Look for cards that offer competitive reward rates, usually ranging between 1% and 5% in cryptocurrency. Some cards offer higher rewards for specific types of purchases, like groceries, travel, or dining, which can help maximize your crypto earnings.

Supported Cryptocurrencies

Check which cryptocurrencies the card rewards. Most offer Bitcoin, Ethereum, or stablecoins, but others may also support a wider range of altcoins. If you have a preference for a particular digital asset, ensure it’s supported by the card.

Fees

Crypto credit cards often come with fees, such as:

Annual fees: Some cards may charge an annual fee, but it may be worth it if the rewards you earn exceed the cost.
Transaction fees: Watch out for fees on international purchases or when withdrawing funds.
Foreign transaction fees: If you plan to use the card abroad, make sure to check whether foreign transaction fees apply.

Limits

Some cards impose limits on how much cryptocurrency you can earn or withdraw, so it’s important to check if there are caps on rewards or spending.

Security Features

Crypto transactions require high-level security. Look for cards that offer features like two-factor authentication (2FA), encryption, and fraud protection to keep your digital assets safe.

How Do Crypto Credit Cards Work?

Crypto credit cards work by converting a percentage of your spending into cryptocurrency rewards. Here’s how it works:

1. Make a Purchase: Use the card to make a purchase, just like you would with any other credit card.
1. Earn Rewards: Instead of earning cashback or points, you earn cryptocurrency-typically a percentage of the amount spent.
1. Conversion: The cryptocurrency rewards are calculated based on the real-time value of the digital asset, and they’re deposited into your linked wallet.
1. Manage Your Crypto: From your wallet, you can hold the earned cryptocurrency as an investment, spend it directly, or convert it to fiat currency.

With real-time conversion and simple management, crypto credit cards offer a convenient way to accumulate digital assets with every purchase.

Pros and Cons of Crypto Credit Cards

Before deciding on a crypto credit card, it’s essential to weigh the pros and cons.

Pros:

Earn digital assets effortlessly: Earn cryptocurrency with every purchase, passively building your portfolio.
Potential for asset growth: Crypto rewards have the potential to appreciate in value over time.
Flexible spending options: Use your earned crypto for purchases or convert it into fiat for everyday use.

Cons:

Cryptocurrency volatility: The value of your rewards can fluctuate due to crypto market volatility.
Fees: Depending on the card, fees for transactions, annual usage, and currency conversions can reduce the overall value of the rewards.
Lower reward rates: Some crypto credit cards may offer lower reward rates compared to traditional cashback or points-based cards.

Understanding the benefits and potential downsides will help you decide if a crypto credit card aligns with your financial goals.

Benefits of Using Crypto Credit Cards

Crypto credit cards come with several unique benefits, making them an attractive choice for those looking to build a cryptocurrency portfolio while spending.

Earn Passive Crypto

One of the biggest benefits of using a crypto credit card is that you can accumulate digital assets effortlessly. You don't need to buy cryptocurrency directly-just use your card for everyday purchases, and the rewards will accumulate.

Potential Appreciation

Unlike fiat-based rewards, cryptocurrency rewards have the potential to grow in value. If the crypto market appreciates, the value of your rewards could increase, offering greater returns than traditional cashback or points.

Convenience

Crypto credit cards are used just like traditional credit cards, meaning you don’t need to change your spending habits. Whether you’re buying groceries, traveling, or shopping online, you’ll earn crypto on all eligible purchases.

Flexibility

Most crypto credit cards allow you to either hold onto the earned cryptocurrency or convert it into fiat currency for spending. This flexibility makes it easy to manage your rewards based on market conditions or your financial needs.

FAQ: Best Crypto Credit Cards in 2025

Are crypto credit cards secure?

Yes, most crypto credit cards come with high levels of security, including multi-factor authentication, encryption, and fraud monitoring. Always choose a provider with a strong reputation for security.

What cryptocurrencies can I use with a crypto credit card?

This depends on the card provider, but most support popular cryptocurrencies like Bitcoin, Ethereum, and sometimes stablecoins or altcoins. Be sure to check the list of supported cryptocurrencies before applying.

How are rewards calculated on crypto credit cards?

Crypto credit cards offer a percentage of your spending as rewards, typically between 1% and 5%. The rewards are converted into cryptocurrency and deposited into your digital wallet.

Can I spend the crypto I earn with a crypto credit card?

Yes, most crypto credit cards allow you to either hold the earned cryptocurrency in your wallet or convert it into fiat currency for spending. Some cards may also allow direct crypto transactions.