Everyone wants to spend their crypto without off-ramping, here’s how the top cards compare.
EtherFi Cash Card
@ether_fi DeFi-native Visa card to spend or borrow against staked ETH.
Pros
• Up to 3 % cashback in
$SCR tokens
• Non-custodial
• Borrow against staked ETH
• Cashback tiers by spend (≈ 2 % base → 3 % after ~$16.7 k annual spend)
• Monthly promo campaigns
Cons
• Cashback capped at $1,000 / mo
• Regional rollout ongoing
Rating: ⭐️ 4.5 / 5
Bybit Card
@Bybit_Official Exchange-linked card spending from your Bybit funding account.
Pros
• No annual or inactivity fees
• First €/$100 ATM free (then 2 %)
• Up to 10 % cashback for VIP tiers
• Points auto-convert after 50 pts
• VIP perks include free Netflix & Spotify
Cons
• 0.9 % conversion FX (0.5–7 %)
• Cashback cap $5–$600 / mo by tier
• Effective cashback is limited by the scope given the spend requirement
Rating: ⭐️ 4.2 / 5
Gnosis Pay Card
@gnosispay Self-custodial Visa card linked to your Safe wallet.
Pros
• 1–4 % cashback in GNO
• ≈ €5 000 weekly eligible spend
• No FX markup (Visa rate)
• 5 free ATMs per month
Cons
• Large GNO holding needed for max rewards
• Physical card costs €30
• Limited to Europe, UK, CH, Brazil
Rating: ⭐️ 3.9 / 5
Bleap Card
@BleapApp Non-custodial stablecoin card for spending on
@arbitrum.
Pros
• 2 % cashback in USDC (on
@arbitrum)
• Mastercard rate (no FX markup)
• Free ATMs to $400 / mo
• Free issuance self-custody
• Savings rate option up to 10% APY
Cons
• Cashback capped at $10 / mo
• Regional ATM / FX differences
Rating: ⭐️ 3.7 / 5
MetaMask Card
@MetaMask Wallet-native debit card for spending directly from MetaMask.
Pros
• 1 % cashback (virtual) | 3 % on metal
• Zero FX ≈ $1 200 / mo free ATMs (metal)
• Self-custodial
Cons
• $199 annual fee (metal)
• Gas swap costs per transaction
Rating: ⭐️ 3.7 / 5
Crypto․com Ruby
@cryptocom crypto card with CRO rewards via staking or subscription.
Pros
• 2 % cashback in CRO (for U.S. credit version)
• Spotify rebate for 3 months
• $4.99 / mo or $500 CRO stake (12 mo)
• Global coverage (49 U.S. states intl.)
Cons
• CRO volatility affects yield
• High barrier to entry (stake or subscription)
Rating: ⭐️ 3.9 / 5
Gemini Credit Card
@Gemini Metal Mastercard with instant crypto rewards.
Pros
• 4 % gas/transit (EV) cap $300 / mo
• 3 % dining | 2 % groceries | 1 % elsewhere
• Instant rewards in chosen crypto
• No annual or FX fees
Cons
• Category caps limit yield
• U.S. only
Rating: ⭐️ 3.6 / 5
Coinbase One Card
@coinbase One card.
Pros
• Spend crypto or fiat directly
• Instant funding and payments
• Rewards for U.S. users
• Up to 4 % bitcoin back on spend
Cons
• U.S only
• Coinbase One subscription
Rating: ⭐️ 3.5 / 5
S/O to @TheBlock__ and
@Nemi_0x for doing great reviews in the past