If you’re looking for a way to earn crypto rewards with your next credit card, where do you even start your research?
We’re doing all the research to help you find the best crypto credit card. We focus on the rewards, breaking down the spending categories, and other important details to help you pick the best one.
Credit Card Crypto Rewards by Spending Category
By spending categories
Best crypto rewards credit card for Any spending category
Wirex Card 2% back
Sofi Credit Card 2% back
Upgrade Bitcoin Rewards Card 1.5% back
Coinbase Card 1% back
Gemini Credit Card 1% back
Nexo Card 0.5% back
All crypto reward cards
A handy list of all the currently available crypto reward credit and debit cards.
Dive into the world of crypto rewards credit cards and start earning more crypto
Using a crypto rewards credit card to make your everyday purchases is a great way to increase your crypto holdings and slowly move into a stronger position.
These reviews have been written by our in-house credit card and crypto lending experts, who study and research everything from interest rates, reward structures and spending categories to help you figure out the best ways to use each credit card to earn the most. A lot of people think getting rewarded with credit cards is just about earning cash-back points. However, turning your rewards into a long-term investment with cryptocurrency can be a much more rewarding opportunity.
Researching the best crypto and debit card reward programs
Finding the most rewarding crypto card program can be pretty time-intensive, but our site, reviews and comparisons help make it easier.
Deciding on a crypto rewards credit card
First, you’ll want to be sure you’d rather earn your cash back style rewards in cryptocurrency moving forward in place of any bill credits or reward points, which are the most common in typical credit card programs (non-crypto). Chances are, you’ve already made that decision!
Paying with crypto
You may also want the ability to pay your credit card debt with your crypto assets. This is possible, but only a select few programs do this, and you might incur a taxable event (not tax advice, contact your tax professional for your locale) if they “sell” your crypto at the time of payment for your base currency.
Reward programs vary greatly in their percent of rewards, spending categories and other perks (such as free streaming services).
We recommend assessing your top spending categories across dining, vacation, groceries, shopping and fuel. Whichever top category you typically use, you’ll want to grab a card with the best percent back in those categories.
Figure out your top spending categories
You’ll also want to know which crypto you want to earn back as the reward. We recommend Bitcoin or Ethereum, but you may want to grow your bags in something else, so check with each card program to see what crypto you can earn your rewards in to see if they offer it. Usually, you can change this on a monthly basis, in case you do change your mind later.
After you know your top spending categories and what crypto you want to earn back, it’s time to find the best credit card with the highest % reward in that category.
For example, if you spend a lot on eating out each month, you may want to apply for the Voyager Credit Card, which currently pays 2% crypto back for dining and restaurants. That way, when it comes time to pay, you know to go to your Voyager Card.
Keeping it simple (or I don’t care about categories)
If you’re not into the hassle of knowing which card to use at particular businesses, finding the best crypto rewards card in the “all” category would be your best bet. That way, you just have a single go-to card that you use for all your purchases. All or any categories mean just that; all the purchases you make (and pay off) are rewarded back at the same rate, although some might have upper monthly or annual limits you’ll need to stay inside of.
You’ve found the one
So, there you have it, a quick overview of how to pick out the best crypto rewards credit card program for your style of spending. Holding a well-aligned crypto credit card is a powerful way to earn crypto and grow your bags over time and really is a unique DCA (dollar-cost averaging) technique that improves your time in market and accumulation.
Have any tips or resources? Please let us know, as we’re expanding this section with more programs, cards and how-to guides.