Best Crypto Cards 2026: Picks by What You Need

There’s no single best crypto card. The right one is gated first by where you live, then by what you want it to do. Availability is the real gate (several of these cards are US-only or Europe-only), and the headline cashback numbers you see advertised almost never survive the fine print.

So this isn’t a 1-to-5 leaderboard. Four of the five cards below carry a verdict we’ve published but not yet scored, so ranking them on a single ladder would be false precision. Instead, each pick is the best card for a specific person: self-custody fans, beginners, European spenders, borrowers, Bitcoin collectors. Find the row that sounds like you.

One rule runs through all of it: an advertised “up to 5%” (or 6.5%) is not the rate you’ll actually net. Every one of these programs gates its top number behind caps, token lockups, portfolio minimums, or a reward paid in a coin whose price moves. Below, each headline gets netted down to what a normal spender keeps.

One disclosure before the picks: ether.fi is this site’s only referral partner. The deal and its firewall live on the disclosure page, and it gets no say in where it lands here or what we say about it. The other four cards have no deal with us; all five were measured the same way.

The picks at a glance

Pick the row that matches your situation, not the biggest percentage. Full reasoning for each is below.

Best for…	Our pick	Why, in one line
Self-custody + spending against ETH (US)	ether.fi Cash	The only scored card here (6.5/10): 3% in wETH from a vault that stays yours
A simple self-custodial card in Europe / UK	Gnosis Pay	Self-custodial Visa debit, 0% FX markup, free to order, 37 countries
Beginners already on Coinbase	Coinbase One Card	Easiest setup if you’re already on Coinbase; Bitcoin rewards via the One Card (paid membership, credit pull)
Existing CRO holders who already spend	Crypto.com Visa	A fair loyalty perk if you hold CRO; a poor reason to buy it
”Spend without selling” for Nexo holders (EU)	Nexo Card	Borrow against your portfolio instead of selling, inside a margin loan

Every pick is earned from each card’s verified data file, re-checked on a fixed schedule. Here’s how cards get ranked. The short version is that availability, real (netted) reward value, fees, custody and everyday usability each carry weight, and a headline number nobody can actually attain earns nothing.

$1,000/mo

ether.fi cashback cap

in the legal terms; absent from marketing

$25–$75/mo

Crypto.com EEA caps

on the low and mid prepaid tiers

$5,000

Nexo portfolio minimum

below it, cashback is zero

12 months

Crypto.com CRO lockup

to unlock a tier above 0%

Best for self-custody and spending against ETH: ether.fi Cash

If you want a card where the money stays yours until the moment you tap, and you hold staked ETH, ether.fi Cash is the standout, and the only card in this roundup we’ve actually scored (6.5/10). It’s a Visa credit card that spends from a self-custodial Safe vault: your weETH keeps earning staking yield as collateral while you borrow against it at a quoted 4% APY with no billing cycle.

The decisive numbers, as of June 2026:

• Up to 3% cashback in wETH, dropped into your vault automatically, with no token you need to hold to qualify. The rate steps down as you spend (3% → 1% → 0.5%). The help center says wETH; the legal cashback terms reserve the right to pay in other digital assets at ether.fi’s discretion.
• A $1,000/month legal cashback cap, a sentence that appears in the legal terms and on no marketing page.
• 4% APY Borrow Mode, overcollateralized (weETH at a 55% loan-to-value cap, 75% liquidation threshold).
• FX advertised at 0% on USD/EUR — but the legal schedule says 1% across all tiers, so budget for 1%.

Card	ether.fi Cash — Visa credit
Custody	Self-custodial — you hold the keys
Cashback	Up to 3% in wETH, stepping down to 1% then 0.5% as monthly USD spend rises (EUR's lowest band pays 0.1%; band sizes vary by tier) (cap: $1,000/month per the legal cashback terms (last updated 2026-02-05) - absent from marketing, and it truncates Pinnacle's advertised 3%-to-$50,000 band at roughly $33.3k of spend) Core: 3% on first $2,000/mo, 1% on $2,001-$3,000, 0.5% above (help center, ~mid-May 2026, checked 2026-06-11) Luxe: 3% on first $10,000/mo, 1% on $10,001-$20,000, 0.5% above Pinnacle: 3% on first $50,000/mo, 1% on $50,001-$80,000, 0.5% above Business/corporate cards: 1% flat, 0% on EUR EUR spending pairs 0% FX with sharply reduced 3% bands (Core first €800, Luxe €3,000, Pinnacle €16,000) and a lower floor: the lowest EUR band pays 0.1% (Core: above ~€1,500) vs the 0.5% USD floor - per ether.fi, 'these have an adjusted cashback rate to balance 0% FX rate benefit' (help-center cashback tables, checked 2026-06-11) Paid automatically to the user's Vault as wETH, no claiming, calculations reset monthly (help center); legal terms still say Scroll tokens 'or other digital assets' at ether.fi's sole discretion - see unverified No cashback on ATM withdrawals, cash advances, P2P transfers, currency exchange, tax payments, gift cards, money orders, cash equivalents, or MCCs 6011 (ATM), 6012 (investment/loan), 6211 (brokers/crypto), 6513 (real estate/rent), 6532 (card transfers/account funding), 7995 (gambling) Clawed back on refunds/chargebacks; program terminable at any time with uncredited rewards forfeitable; adverse changes need only 30 days' notice (legal terms, last updated 2026-02-05)
Availability	🇺🇸 US: supported except 20 states: AZ DE GA ID LA MD MS MO MT NV NM ND OH OR RI SD TN VT WA WI Not supported: 🇧🇾 Belarus 🇧🇩 Bangladesh 🇨🇳 China 🇨🇺 Cuba 🇪🇪 Estonia 🇫🇮 Finland 🇭🇺 Hungary 🇮🇳 India 🇮🇶 Iraq 🇮🇱 Israel 🇳🇵 Nepal 🇳🇱 Netherlands 🇰🇵 North Korea 🇵🇭 Philippines 🇷🇺 Russia 🇸🇾 Syria 🇹🇷 Turkey 🇺🇦 Ukraine 🇻🇪 Venezuela 🇻🇳 Vietnam Physical card ships to 75+ countries/territories — including: 🇺🇸 US 🇬🇧 UK 🇨🇦 Canada 🇦🇺 Australia most of the 🇪🇺 EU 🇸🇬 Singapore 🇦🇪 UAE 🇯🇵 Japan 🇰🇷 South Korea 🇧🇷 Brazil 🇲🇽 Mexico 🇦🇷 Argentina ether.fi publishes a prohibited-jurisdictions list rather than a supported-countries list; four EU members (Estonia, Finland, Hungary, Netherlands) are excluded. Card transactions will not process in North Korea, Iran, Russia, Syria, Cuba, Venezuela, Myanmar, Ukraine even for eligible accounts. Corporate cards have a separate, longer prohibited list (38 jurisdictions) that is not a superset of the personal list: it adds Bulgaria, Croatia, Indonesia, Malaysia, Monaco, South Africa (all retail-supported) but omits China, India, Israel, Hungary, Belarus - but the corporate-regions article 404'd at the 2026-06-12 re-check (figures survive only in help-center search), so treat corporate details as unconfirmed. KYC with valid proof of address in a supported jurisdiction is required before virtual card activation. UK status is conflicting - see unverified. As of 2026-04-01 regions articles; personal list re-checked 2026-06-12.
Daily spend (Core)	$30,000
Daily spend (Luxe)	$50,000
Daily spend (Pinnacle)	$100,000
Daily spend (VIP)	Not published (invite-only)
ATM withdrawal	$250 per rolling 24h, max 3 attempts (declined attempts count)
Cashback	$1,000/month (legal cap, last updated 2026-02-05)
User-set limits	Custom daily/monthly limits available
Program status	Live

Who it’s for: US residents (the card covers every state except 20) who already hold staked ETH and want spending power without selling, plus rewards that need no token lockup.

Who should skip it: You’re in one of the 20 excluded US states, or in Estonia, Finland, Hungary or the Netherlands (four EU members it locks out), or the UK (its status is unresolved). You want a bank on the other end: the issuer is a Puerto Rico money transmitter, not a bank, with no FDIC insurance. Or you don’t hold crypto, in which case a boring 2% card gives you similar cashback without the KYC, the daily work of watching your loan-to-value so a price drop doesn’t trigger a sale, or the wETH tax lots.

The full breakdown (the marketing-vs-legal conflicts, the EUR band haircut, and the issuer details) is in the ether.fi Cash review. If you’re weighing it against the other self-custodial card here, the head-to-head is ether.fi vs Gnosis Pay.

Best simple self-custodial card for Europe and the UK: Gnosis Pay

Gnosis Pay is the other genuinely self-custodial card on this list, and the easier one if you just want to spend money you already hold rather than borrow against crypto. It’s a Visa debit card that settles from EURe, GBPe or USDCe stablecoins held 1:1 in a Safe only you can authorize: no borrowing, no interest, no liquidation threshold to watch.

The decisive numbers, as of June 2026:

• 1%–4% cashback in GNO, set by how much GNO you hold in the Safe (0.1 GNO earns 1%; 100 GNO earns 4%; a Gnosis Pay OG NFT adds 1%, to a 5% max).
• Weekly eligible-spend caps of $250 / $375 / $500 / $1,250 by tier, with no rollover.
• 0% Gnosis FX markup over Visa’s rate (Visa’s wholesale spread still applies).
• Free card order, free shipping; live for residents of 37 countries across Europe and Latin America, the UK included.

Card	Gnosis Card — Visa debit
Custody	Self-custodial — you hold the keys
Cashback	1%-4% paid in GNO tokens, tiered by GNO held in the Safe (+1% Gnosis Pay OG NFT bonus, to a 5% max) (cap: Tiered weekly eligible-spend cap by GNO held: $250 (>=0.1 GNO) / $375 (>=1) / $500 (>=10) / $1,250 (>=100); no rollover, resets 00:00 UTC Sunday) Base tiers by GNO held in the Safe: >=0.1 GNO = 1%, >=1 GNO = 2%, >=10 GNO = 3%, >=100 GNO = 4% (help.gnosispay.com Intermediary Cashback Programme, read via browser 2026-06-13; gnosispay.com/rewards) Holders of the Gnosis Pay OG NFT earn an additional +1% (must also hold >=0.1 GNO), for a maximum advertised 5% (gnosispay.com/rewards; help.gnosispay.com Intermediary Cashback Programme, read via browser 2026-06-13) Weekly eligible-spend caps scale with the tier: >=0.1 GNO = $250, >=1 GNO = $375, >=10 GNO = $500, >=100 GNO = $1,250; unused cap does not roll over (help.gnosispay.com Intermediary Cashback Programme, read via browser 2026-06-13) Holdings are measured as the lowest GNO balance during the weekly snapshot window (Sunday-Saturday); the spend cap resets to zero at 00:00 UTC Sunday and GNO cashback is airdropped to the Safe the following Thursday, ~7 days after the qualifying payment (help.gnosispay.com Intermediary Cashback Programme, read via browser 2026-06-13) The currently active program is the interim Intermediary Cashback Programme, funded by Gnosis Ltd, running Nov 9, 2025 through June 30, 2026; Gnosis Pay says partner-led incentive programmes will follow afterward (help.gnosispay.com Intermediary Cashback Programme, read via browser 2026-06-13) Cashback is denominated in GNO, a volatile token, valued at the USD/GNO rate at distribution time - the real fiat value of the 'up to 5%' rises and falls with GNO price between earning and selling (prnewswire.com, Sep 5, 2024) Excluded from cashback: ATM withdrawals, money transfers, FX, wallet/bank top-ups (e.g. Revolut, Wise, PayPal), taxes/fines/government charges, utilities, insurance, donations, investments, Curve transactions, and refund-cycling or self-funding patterns (help.gnosispay.com Intermediary Cashback Programme, read via browser 2026-06-13)
Availability	Europe & Latin America: residents of 37 supported countries (help.gnosispay.com 'Eligible Countries for Gnosis Pay', updated ~late May 2026): 🇦🇷 Argentina 🇦🇹 Austria 🇧🇪 Belgium Bolivia 🇧🇷 Brazil 🇧🇬 Bulgaria Colombia 🇭🇷 Croatia 🇨🇾 Cyprus 🇨🇿 Czechia 🇩🇰 Denmark 🇪🇪 Estonia 🇫🇮 Finland 🇫🇷 France (excl. French overseas territories) 🇩🇪 Germany 🇬🇷 Greece 🇭🇺 Hungary Iceland 🇮🇪 Ireland 🇮🇹 Italy 🇱🇻 Latvia Liechtenstein 🇱🇹 Lithuania 🇱🇺 Luxembourg 🇲🇹 Malta 🇲🇽 Mexico 🇳🇱 Netherlands 🇳🇴 Norway 🇵🇱 Poland 🇵🇹 Portugal 🇷🇴 Romania 🇸🇰 Slovakia 🇸🇮 Slovenia 🇪🇸 Spain 🇸🇪 Sweden 🇨🇭 Switzerland 🇬🇧 United Kingdom Availability is residency-gated; the supported-countries list is from the official help center 'Eligible Countries for Gnosis Pay' (updated ~late May 2026, read via browser 2026-06-13). Card usage is prohibited in sanctioned countries/regions: Afghanistan, Belarus, Central African Republic, Crimea, Cuba, DR Congo, Haiti, Iran, Iraq, Lebanon, Libya, Mali, Myanmar, Nicaragua, North Korea, Russia, Somalia, South Sudan, Syria, Venezuela, Yemen, Zimbabwe. 'Coming soon' per the same page includes the United States, UAE, Canada, Japan and Australia, among others. The Monerium-provided IBAN feature has a separate eligible-nationalities list: a resident of a supported country may still be excluded from the IBAN if their nationality is not on that list. Checked 2026-06-13.
Card spend per transaction	5,000 EURe/GBPe/USDCe
Card spend per day	8,000 EURe/GBPe/USDCe (rolling 24h)
ATM per transaction	250 EURe/GBPe/USDCe
ATM per day	500 EURe/GBPe/USDCe
ATM free allowance	EUR/GBP 200 or 5 withdrawals per month (whichever first), then 2%
Program status	Live

Who it’s for: People in Europe, the UK or Latin America who want a no-fuss self-custodial debit card — especially in Estonia, Finland, Hungary or the Netherlands, the four EU members ether.fi excludes. It’s also the pick if you want an IBAN and euro rails.

Who should skip it: You’re in the US (listed “coming soon,” no date). You don’t want cashback paid in a volatile reward token you have to hold GNO to maximize. Or you can’t stomach the recent track record: a June 2026 Zodiac Delay Module exploit (about $265,000, press-reported) that Gnosis patched within days, after which users got new Safe addresses, and anything sent to an old address afterward is lost permanently. The current rewards program is also funded only through June 30, 2026, with no scored verdict committed yet.

Full detail is in the Gnosis Pay review. The two self-custodial cards face off in ether.fi vs Gnosis Pay.

Best for beginners already on Coinbase: Coinbase One Card

If “best crypto card” really means “easiest setup if I already keep money on Coinbase,” the Coinbase One Card is the gentle on-ramp. It’s custodial (Coinbase holds the funds, so there’s no Safe to manage and no seed phrase to lose), and it earns Bitcoin from inside an app you already use. It is not the simplest product, though: it’s an Amex-network credit card that needs a paid Coinbase One membership and a hard credit pull. The simplicity is in already being on Coinbase, not in the card itself.

The decisive numbers, as of June 2026:

• One Card (Amex credit): 2%–4% back in Bitcoin, tiered by Assets on Coinbase. Most cardholders earn the 2.0% floor.
• The 4% is doubly gated: it needs $200,000+ on Coinbase and applies only to the first $10,000 of monthly purchases.
• $0 annual fee, but a paid Coinbase One membership is required to open, keep and earn. Coinbase’s own /one page lists the card under an annual plan, so budget for at least $49.99/yr (Basic annual) or a higher tier; the $4.99/mo monthly Basic plan does not appear to qualify.
• Cash advances are penalized: 32.24% APR plus a fee ($10 or 5%, whichever is greater), and they earn no Bitcoin, one of several non-earning categories.

Card	Coinbase Card — Visa debit
Custody	Custodial — the issuer holds the funds
Cashback	Coinbase One Card: 2%–4% paid in Bitcoin, tiered by Assets on Coinbase (AOC). Original Coinbase Card (Visa debit): variable crypto-back in a user-selectable asset — check the in-app rate (see notes; current per-asset rate unverified). (cap: Coinbase One Card elevated tiers (2.5%/3.0%/4.0%) apply only to the first $10,000 of eligible purchases per calendar month — a single combined cap across the boosted tiers; spend above $10,000/month earns 2.0%.) Coinbase One Card → Bitcoin-back tiers by Assets on Coinbase (AOC), paid on the first $10,000 of purchases per calendar month with 2.0% above that: AOC under $10,000 = 2.0% (the floor most cardholders earn); $10,000–$49,999.99 = 2.5%; $50,000–$199,999.99 = 3.0%; $200,000 or more = 4.0%. coinbase.com/legal/creditcard/rewards (last updated 2025-08-15). Coinbase One Card → membership requirement → an active, paid Coinbase One membership is required to open and keep the card and to earn Bitcoin back; if the membership lapses or is cancelled, the card account may be closed. coinbase.com/creditcard. Coinbase One Card → reward asset → rewards are paid in Bitcoin, credited to your Coinbase Digital Asset Wallet, and the terms state the BTC value may be lower (or higher) than the Bitcoin price at purchase time — the advertised % is not a guaranteed dollar value. coinbase.com/legal/creditcard/rewards. Coinbase One Card → AOC calculation → AOC is your retail portfolio balance (USD Wallet plus Digital Asset Wallet value), measured daily; for the first 60 days it uses the real-time balance when a purchase is initiated, and after 60 days it uses the average daily end-of-day AOC over the prior 30 days, so a brief top-up before a big purchase will not bump your rate. coinbase.com/legal/creditcard/rewards. Coinbase One Card → reward timing → Bitcoin rewards post when the eligible purchase posts but can take up to 30 calendar days. coinbase.com/legal/creditcard/rewards. Coinbase One Card → excluded (non-earning) transactions → cash withdrawals, cash advances, gambling, pawn shops, debt collection, financial services, Coinbase membership purchases, and suspected manufactured-spend/fraud. coinbase.com/legal/creditcard/rewards. Coinbase One Card → no fixed welcome bonus is published; the live product page promotes a monthly sweepstakes ('chance to win up to $100K in Bitcoin every month', one entry per $100 spent, capped at 25 entries/month). A May 2026 sign-up offer of $50 in BTC after $100 spend was reported by Doctor of Credit; the offer terms page (coinbase.com/legal/us/CB1cardsignup) currently 404s, so no standing welcome bonus is confirmed (see unverified). coinbase.com/creditcard; doctorofcredit.com. Original Coinbase Card (Visa debit) → rewards are described on the live /card page as 'crypto back on every purchase' at a 'variable' rate to check in-app, paid in a user-selectable/switchable crypto asset (posted to the Coinbase account, not as a fiat statement credit). No current per-asset rate could be confirmed from a Coinbase primary page; do not state a single flat debit rate (see unverified and notes for the reward history). coinbase.com/card.
Availability	🇺🇸 United States: the Coinbase One Card (Amex credit), nationwide but excluding the territories 🇺🇸 United States: original Coinbase Card (Visa debit), all states except Hawaii Europe and the EEA: separate Coinbase Card (Visa debit) across 31 listed countries — see note 🇬🇧 United Kingdom: covered by the same European Coinbase Card (Visa debit) programme Two product families by region — do not blend them. US Coinbase One Card: a true credit card on the American Express network, issued by First Electronic Bank and operated in partnership with Cardless, Inc. (an Amex Ventures portfolio company) — i.e. NOT issued by American Express directly, so dispute and cardholder-protection handling may differ from a card issued by Amex. The original US Coinbase Card is a Visa debit card; the legacy 2020-revised docs name MetaBank, N.A. (Member FDIC) under license from Visa U.S.A. Inc., and MetaBank rebranded to Pathward, N.A. in 2022. The live coinbase.com/card legal footer now states verbatim: 'The Coinbase Card is issued by Pathward, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc.' — so Pathward, N.A. (Member FDIC) is the confirmed current US debit issuer. The European/UK Coinbase Card (Visa debit) is a separate product issued by Paysafe Financial Services Limited (an FCA-authorised e-money institution, FRN 900015, and a Visa Principal Member) — NOT Pathward, which is the US issuer only (a US FDIC bank does not issue an EEA/UK e-money card). The Paysafe issuance was announced in 2019; re-confirm Paysafe is still the EEA/UK issuer post-MiCA (see unverified). The European programme covers 31 countries — 30 EEA states plus the United Kingdom: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, plus the United Kingdom (the EU/UK FAQ describes crypto rewards as 'an optional Coinbase offer' with no stated cashback rate, auto-converts crypto to USD 'less conversion fees', and bakes a spread into buy/sell prices with no percentage stated). The debit card is also blocked in sanctioned/restricted jurisdictions (e.g. Afghanistan, Belarus, China, Cuba, Russia, Turkey per a 2026 secondary review). Whether the original US Visa debit card is still issued to new applicants (vs only maintained for existing holders) was not confirmable from a primary page (see unverified). Checked 2026-06-13.
Coinbase One Card (Amex credit) — elevated-rate monthly cap	First $10,000 of eligible purchases per calendar month; spend above earns 2.0%
Coinbase Card (Visa debit) — card spend	~$2,500 per 24h (commonly cited; not confirmed on a Coinbase primary page)
Coinbase Card (Visa debit) — ATM withdrawal	~$1,000/day (commonly cited; not confirmed on a Coinbase primary page)
Program status	Live

Who it’s for: US beginners who already hold real money on Coinbase, want Bitcoin rewards rather than a project token, and value an app they already know over keeping their own keys.

Who should skip it: You expected 4%, but most people earn 2%, because the top rate is whale-gated and capped at the first $10,000/month. You dislike that the “$0 annual fee” hides a required paid membership. You don’t want a hard credit pull or an Amex-network credit line just to earn crypto rewards. Or your Coinbase account is the single point of failure you’d rather avoid: a frozen account instantly disables the card. There’s no scored verdict committed yet.

The full read is in the Coinbase Card review. For the exchange-card showdown, see Coinbase vs Crypto.com.

Best loyalty perk for existing CRO holders: Crypto.com Visa

The Crypto.com Visa is a fair perk if you already hold CRO, and a poor reason to buy it. The cashback is real for committed CRO holders, but the program has been cut repeatedly since 2022, and the entry tier now pays nothing unless you pay in.

The decisive numbers, as of June 2026:

• EEA prepaid cashback 0%–5% by tier, paid in CRO. The 5% (Obsidian) is the prepaid ceiling; the widely-repeated “8% Prime tier” does not exist.
• 0% unless you commit: since September 2025, a user who neither locks CRO nor pays for a Level Up subscription earns 0%. Unlocking a tier means a 12-month CRO lockup.
• EEA caps gut the low and mid tiers: $25/month (Ruby) and $75/month (Jade–Indigo); only the top tiers are uncapped.
• A separate US Visa Signature credit card is uncapped (up to 6.5% intro / 5% ongoing in CRO), a different product from the prepaid card most of the world gets.

Card	Crypto.com Visa — Visa prepaid
Custody	Custodial — the issuer holds the funds
Cashback	0%-5% paid in CRO on the prepaid Visa (EEA), tiered by CRO lockup or Level Up subscription; the separate US Visa Signature credit card pays up to 6.5% intro / 5% ongoing in CRO. Rewards float with CRO price. (cap: EEA prepaid: monthly cashback capped at $25 (Ruby) / $75 (Jade-Indigo), uncapped at Icy/Rose and Obsidian - i.e. additional spend earns nothing past ~$1,250 (Ruby) or ~$2,500 (Jade) per month. The US credit card is uncapped at every tier.) Reward token: all cashback and rebates are paid in CRO (Cronos), not fiat or stablecoin, credited to the in-app Crypto Wallet. The real fiat value rides CRO's price between earning and selling. crypto.com 'revamped Level Up' (company-news); CRO/Cronos rebrand left the ticker and mechanics unchanged (cryptopotato.com). Since the 2025-09-02 Level Up revamp a tier is unlocked by EITHER a paid subscription OR a CRO lockup ('stake or subscribe') - a 12-month lock across tiers - replacing the old stake-only model. A user who neither subscribes nor locks CRO earns 0% (Basic/Midnight). crypto.com/en/company-news/revamped-levelup. EEA PREPAID Visa - Midnight Blue (Basic): no stake / free - 0% cashback - no cap. crypto.com/eea/cards. EEA PREPAID Visa - Ruby Steel (Plus): EUR 450 CRO stake (12-mo lock) OR EUR 3.99/mo / 39.90/yr - 2% cashback - $25/mo cashback cap (~$1,250 eligible spend). crypto.com/eea/cards; help.crypto.com art. 5977463. EEA PREPAID Visa - Jade Green / Royal Indigo (Pro): EUR 4,500 CRO stake OR EUR 24.99/mo / 249.90/yr - 3% cashback - $75/mo cashback cap (~$2,500 eligible spend). crypto.com/eea/cards; help.crypto.com art. 5977463. EEA PREPAID Visa - Icy White / Rose Gold (Private): EUR 45,000 CRO stake - 4% cashback - uncapped. crypto.com/eea/cards. EEA PREPAID Visa - Obsidian (Private): EUR 450,000 CRO stake - 5% cashback - uncapped. The EEA cards page explicitly confirms there is NO 'Prime' tier above Obsidian (a claimed 8% 'Prime' tier is unverified - see unverified). crypto.com/eea/cards. UK PREPAID Visa (GBP-denominated, same five tiers): Midnight free = 0%; Ruby Steel GBP 400 CRO stake or 3.99/mo / 39.90/yr = 2%; Royal Indigo GBP 4,000 or 24.99/mo / 249.90/yr = 3%; Rose Gold GBP 40,000 = 4%; Obsidian GBP 400,000 = 5%. Stake amounts are denominated in the local fiat-equivalent of CRO. crypto.com/cards; crypto.com/levelup. US Visa Signature CREDIT card (separate product, uncapped, paid in CRO; the first 12 months from account-open or tier-upgrade is an elevated INTRO rate, then a lower ongoing rate, and the boost requires a 12-month CRO lockup): Midnight 1.5% flat (no lockup, not eligible for the first-year boost); Ruby 2.5% intro / 2% ongoing; Jade-Indigo 3.5% / 3% (Jade reported at $5,000 CRO stake); Rose-Icy 5% / 4%; Obsidian 6.5% / 5% (reported $500,000 CRO stake). The 6.5% headline may be category-limited rather than all-purchases per a reader report - see unverified. x.com/cryptocom status 1932407609715233201; crypto.com/en/company-news/creditcardus; doctorofcredit.com (Jun 2025). Streaming/lifestyle rebates (current, paid in CRO with monthly caps): Spotify and Netflix up to $13.99/mo; Truth+ up to $9.95/mo (Truth+ introduced 2025-11-13). Older Expedia/Airbnb/X/Amazon Prime rebates were discontinued effective 2025-11-02. Re-verify exact amounts before publishing - see unverified. help.crypto.com 'Prepaid Card Rewards & Benefits' (art. 2742447). Excluded / capped: EEA Ruby and Jade/Indigo cashback is dollar-capped monthly (see cap); only Private-tier (Icy/Rose, Obsidian) prepaid and the entire US credit card are uncapped. crypto.com/eea/cards; help.crypto.com art. 2742447. Welcome/starter bonus on the US CREDIT card (one-time, paid in CRO, offer period 2025-09-02 to 2025-12-31, after meeting spend within 90 days of account open): Midnight $100 CRO ($1,500 spend); Ruby $200 ($2,000); Indigo/Jade $300 / reported $500 ($5,000); Icy/Rose $1,000 ($10,000); Obsidian $2,500 ($20,000). The $500 Jade figure is from doctorofcredit.com; the $300 figure is from crypto.com/us/events/card-starter-reward - see unverified. crypto.com/us/events/card-starter-reward; doctorofcredit.com (Jun 2025).
Availability	Worldwide: Crypto.com app and card services reach 100+ markets (New York is excluded); which card you get, and which company issues it, depends on your region (see the note below). help.crypto.com 'Which are the available markets' (art. 1341655). 🇺🇸 United States: a Visa Signature credit card with uncapped CRO rewards, plus a separate USD-denominated prepaid Visa. Europe and the EEA: a reloadable Visa prepaid card paying 0%-5%, with monthly cashback caps on the lower tiers. 🇬🇧 United Kingdom: a GBP-denominated reloadable Visa prepaid card on the same five tiers. Two genuinely different products by region - do NOT blend them. US: Visa Signature CREDIT card issued by Comenity Capital Bank under a Bread Financial program (uncapped CRO rewards 1.5%-6.5%); a separate US prepaid Visa is issued by Community Federal Savings Bank (Member FDIC). EEA: prepaid Visa issued by Foris MT Limited (Malta). UK: prepaid Visa provided by ForisGFS UK Limited (FCA-authorised EMI); 0%-5% with $25/$75 monthly cashback caps on the lower tiers. The often-cited '80+ restricted territories' count and a specific sanctions list (Russia, Iran, North Korea, Venezuela) are NOT enumerated on Crypto.com's available-markets article, which names only New York - treat them as plausible standard sanctions, not source-confirmed. Whether the legacy metal-name prepaid card is still newly issued (vs retained for legacy holders) in some regions is unconfirmed - see unverified. The UK FCA register entry (FORIS DAX UK LIMITED) notes the Financial Ombudsman Service and FSCS will NOT cover complaints/claims against the firm. help.crypto.com art. 1341655. Checked 2026-06-13.
EEA prepaid top-up / spend	EUR 25,000/day, EUR 25,000/month, EUR 250,000/year
US prepaid spend (Midnight)	$10,000/day, $15,000/month
US prepaid spend (Ruby / Indigo-Jade / Icy-Rose / Obsidian)	$25,000/day, $25,000/month
EEA free monthly ATM (Midnight)	EUR 200, then 2%
EEA free monthly ATM (Ruby)	EUR 400, then 2%
EEA free monthly ATM (Jade/Indigo)	EUR 800, then 2%
EEA free monthly ATM (Icy/Rose)	EUR 800, then 2%
EEA free monthly ATM (Obsidian)	EUR 1,000, then 2%
US free monthly ATM (Midnight)	$200, then 2%
US free monthly ATM (Ruby)	$400, then 2%
US free monthly ATM (Indigo/Jade)	$800, then 2%
US free monthly ATM (Icy/Rose/Obsidian)	$1,000, then 2%
EEA Ruby cashback cap	$25/month (~$1,250 eligible spend)
EEA Jade/Indigo cashback cap	$75/month (~$2,500 eligible spend)
Minimum top-up (EEA)	EUR 20
CRO lockup period (all tiers)	12 months
Program status	Live

Who it’s for: Existing CRO holders who already spend on the card, are comfortable locking CRO for 12 months, and spend enough to clear the EEA caps (or hold a top, uncapped tier).

Who should skip it: You’d be buying CRO just for the card. Its rewards float with a token that sat about 93% below its November 2021 peak in mid-2026, and a 12-month lockup is real opportunity cost. You spend modestly in the EEA (the $25–$75 caps quietly cut your effective rate). Or you assumed the entry tier was free, when it pays 0% without a subscription or lockup. No scored verdict committed yet.

Everything (the rate-cut history and the prepaid-vs-credit split) is in the Crypto.com review. Compare it directly in Coinbase vs Crypto.com or Gnosis Pay vs Crypto.com.

Best “spend without selling” for European Nexo holders: Nexo Card

The Nexo Card does one thing well: it lets existing Nexo holders in Europe spend against their portfolio instead of selling it. Its Credit Mode is a credit line secured by your crypto, so you keep your position (and any upside) while you spend. If that’s your goal and you’re already a Nexo user, it earns a look.

The decisive numbers, as of June 2026:

• Cashback 0.5%–2% by loyalty tier (in NEXO) or 0.1%–0.5% in BTC. The “up to 2%” needs the Platinum tier (NEXO worth at least 10% of your portfolio) and taking the payout in NEXO.
• A $5,000 portfolio paywall: below it, cashback is zero. Rewards are earned only on Credit Mode purchases (Debit Mode earns nothing).
• Credit Mode is a margin loan: APR runs from about 2.9% (Platinum) to about 18.9% (Base), with forced liquidation around 83.3% LTV.
• FX 0.2% (EEA/UK/CH) or 2% elsewhere on weekdays, plus a 0.5% weekend surcharge, so the FX fee roughly triples on weekends.

Card	Nexo Card — Mastercard credit
Custody	Custodial — the issuer holds the funds
Cashback	Credit Mode only, by loyalty tier: Base 0.5% NEXO / 0.1% BTC; Silver 0.7% / 0.2%; Gold 1% / 0.3%; Platinum 2% / 0.5%. The 'up to 2%' headline needs Platinum AND the NEXO-token payout; the BTC payout caps at 0.5%. (cap: Monthly cashback cap per tier (consistent across sources): Base $50, Platinum $200. Silver and Gold caps conflict on Nexo's own page (Silver ~$100; Gold cited as both $50 and $150) - see unverified. Minimum payout $0.01.) Eligibility gate: no cashback at all unless your portfolio is worth at least $5,000 (the Loyalty Program threshold). nexo.how 'What crypto rewards will I get with my Nexo Card?' (dated 2025-07-07). Base tier (no NEXO held): 0.5% in NEXO or 0.1% in BTC, capped at $50/mo. nexo.how rewards KB. Silver tier (NEXO worth at least 1% of the total Portfolio Balance, i.e. NEXO as a percentage of the whole portfolio including the NEXO itself): 0.7% in NEXO or 0.2% in BTC; monthly cap conflicts (see unverified). nexo.how rewards KB; nexo.how loyalty KB. Gold tier (NEXO worth at least 5% of the total Portfolio Balance): 1% in NEXO or 0.3% in BTC; monthly cap conflicts (see unverified). nexo.how rewards KB; nexo.how loyalty KB. Platinum tier (NEXO worth at least 10% of the total Portfolio Balance): 2% in NEXO or 0.5% in BTC, capped at $200/mo. nexo.how rewards KB; nexo.how loyalty KB. Reward token: cashback pays in NEXO or BTC, both volatile - the real fiat value rides the token price between earning and selling. The NEXO option pays roughly 3-5x the BTC option depending on tier (Base 5x, Silver 3.5x, Gold ~3.3x, Platinum 4x), so the headline rate is only achievable by taking rewards in the volatile NEXO token. nexo.how rewards KB. Tier mechanic: loyalty tier is NEXO value / total portfolio value x 100 (the denominator is the whole portfolio, including the NEXO itself) - so reaching Gold/Platinum (and the higher rates) requires buying and holding NEXO at 5%+ / 10%+ of the total portfolio. Nexo's worked example: holding NEXO worth 10% of the portfolio is Platinum; if it slips to 9% you drop to Gold. nexo.how loyalty KB; opencryptocards.com. Mode gate: cashback is earned on Credit Mode purchases (standard program). Debit Mode spend earns no cashback - the spendable balance keeps earning interest instead. Whether Debit Mode also earns is disputed by one aggregator (see unverified). nexo.how rewards KB. Seasonal 'up to 6%' promo: a festive 'Shopping Mode' temporarily TRIPLES the Credit-Mode rate (to 6% NEXO / 1.5% BTC at Platinum), usually with LOWER caps - it is not the permanent standard rate (2%/0.5%). nexo.com/blog/switch-to-shopping-mode-and-get-crypto-cashback; coincodex.com.
Availability	Europe and the EEA: residents of selected countries can order the card. 🇬🇧 United Kingdom: residents can order the card. 🇨🇭 Switzerland: residents can order the card. 🇺🇸 United States: not available for the card (even after Nexo's 2025-2026 return to the American market). Residency-gated to selected European countries (EEA, UK, plus Switzerland; roughly ~32 countries; Andorra cited by some sources but not all) - the full country list could not be enumerated from a single primary page this pass (see unverified). The card issuer / program manager is DiPocket (DiPocket UAB), an EEA e-money institution; Mastercard provides the payment network. The Nexo Card is NOT available to US citizens or residents: Nexo the company ceased US operations in December 2022 and announced a return to the US market in 2025-2026 (formal Bakkt-backed relaunch confirmed 2026-02-16, offering buy-crypto, yield, crypto-backed credit and an exchange via regulated partners), but the CARD itself remains EEA/UK/CH-only - do not conflate the two. Recourse caveat: as a custodial crypto platform Nexo is not a bank; balances are not deposit-insured. Checked 2026-06-13.
Card spend per transaction	EUR 10,000 / GBP 9,000
Card spend per day	EUR 10,000 / GBP 9,000
Card spend per month	EUR 60,000 / GBP 54,000
ATM per transaction	EUR 600 / GBP 540
ATM per day	EUR 2,000 / GBP 1,800
ATM per month	EUR 10,000 / GBP 9,000
Free monthly ATM (Base)	EUR 200 / GBP 180, then 2%
Free monthly ATM (Silver)	EUR 400 / GBP 360, then 2%
Free monthly ATM (Gold)	EUR 1,000 / GBP 900, then 2%
Free monthly ATM (Platinum)	EUR 2,000 / GBP 1,800, then 2%
Program status	Live

Who it’s for: Existing Nexo holders in the EEA, UK or Switzerland who want to borrow against their crypto to spend, understand the liquidation risk, and clear the $5,000 portfolio minimum.

Who should skip it: You’re in the US, where the card isn’t available, even after Nexo’s 2025–26 US return. You wanted cashback without holding a volatile token (the 2% is double-gated on holding NEXO). You don’t want your spending wrapped inside a margin loan with liquidation risk. Or you need a physical card now: physical-card ordering has been paused since January 2025, so new users get a virtual card only. No scored verdict committed yet.

Where the 'spend without selling' cards line up Nexo Credit Mode vs ether.fi Borrow Mode: both let you borrow against crypto, with different APRs and liquidation points. +

Both Nexo and ether.fi let you spend against your crypto instead of selling, and both are overcollateralized margin loans where a price drop can force a sale of your collateral. Nexo’s Credit Mode APR runs from about 2.9% (Platinum) to about 18.9% (Base), liquidating around 83.3% LTV; ether.fi’s Borrow Mode quotes a flat 4% APY and liquidates past a 75% threshold on weETH. The cleanest direct comparison is ether.fi vs Nexo.

The full picture is in the Nexo Card review. It’s matched up against its closest rivals in ether.fi vs Nexo and Crypto.com vs Nexo.

How to choose, in three questions

If the picks above blur together, narrow it with three questions in this order:

1. Can you actually get it where you live? This eliminates most of the list before rewards matter. US residents: ether.fi, Coinbase, or Crypto.com (not New York, not Nexo). Europe/UK: Gnosis Pay, Nexo, or Crypto.com. Estonia, Finland, Hungary, the Netherlands: Gnosis over ether.fi.
2. Custodial or self-custodial? Want the issuer to hold your funds and handle recovery? Coinbase, Crypto.com, Nexo. Want to keep your own keys? ether.fi or Gnosis Pay. If this is the question you’re stuck on, it’s custodial vs self-custodial, explained in full.
3. What’s the card actually for? Rewards with no lockup → ether.fi or Coinbase. Spending against crypto without selling → ether.fi or Nexo. A simple debit card for balances you hold → Gnosis Pay. A loyalty perk you’re already invested in → Crypto.com.

The number on the ad is the last thing to weigh, not the first — because as of June 2026, none of these cards lets a normal spender keep the headline rate.

One safety note before any signup link: phishing sites impersonate every one of these brands, fake reward pages included. Get to any card from a link you trust, or type the address yourself.