Best Crypto Credit Cards for 2023

With cryptocurrency credit cards, aficionados may earn Bitcoin and other digital currencies in their everyday spending. This kind of rewards credit card is a risk-free way to start using cryptocurrencies if you’re new to them. You can use one to add to your cryptocurrency wallet if you already invested. Our specialists have compiled a list of the greatest options to assist you in finding the best crypto credit card.

Best crypto credit cards

a generous welcome bonus: Visa® Signature BlockFi Rewards Credit Card
For customers with fair credit, available: Bitcoin Rewards Card Upgrade
With your rewards, buy cryptocurrency: Credit Card for Venmo Card, a prepaid card with cryptocurrency rewards
How to pick the top cryptocurrency credit card
Shopping for any other form of a credit card can be very different from selecting the finest crypto credit card. These are the elements to consider in order to choose the best one.

Card issuer

Most platforms that enable you to buy and trade cryptocurrencies also issue crypto credit cards. Additionally, they are frequently exclusively accessible to users of that platform. For instance, in order to apply for the BlockFi Rewards Visa® Signature Credit Card, you must first have an account with BlockFi. With the majority of the greatest credit cards, you wouldn’t have to worry about this restriction.

Start by determining whether any bitcoin apps or exchanges where you currently have an account provide their own credit cards. Given that you are already a client, this is the most practical choice. Comparing all of your card possibilities is also a smart idea if you’re willing to register accounts with different sites.

Types of cryptocurrency available

You can earn a variety of coins on each cryptocurrency credit card. The quantity of options varies greatly, but the majority of cards give you at least a handful.

You can choose any cryptocurrency credit card if you’re open-minded regarding the cryptocurrency you receive. However, if you’re interested in earning a particular cryptocurrency, look for a credit card that supports it. 

Rewards rate:

The amount a crypto credit card earns on purchases is known as the rewards rate. Some cryptocurrency cards offer a flat rate for all types of purchases. Other cards have rates that are lower on purchases made outside of bonus areas and higher in bonus categories.

The most crucial thing is to choose a cryptocurrency credit card with a high rewards rate. For the most part, flat-rate cards are useful for everyone, although bonus category cards might be more advantageous if you frequently spend a lot in a certain area.


These factors can significantly affect which cryptocurrency credit card offers the best value. When comparing credit cards, keep the following typical cost categories in mind:

Annual fee: The card is subject to an annual cost. There are several alternatives you may receive for nothing because the majority of cryptocurrency cards have no yearly charge. This is a significant positive because you’re less likely to end up with too many credit cards when your credit cards aren’t costing you money each year.

Foreign transaction fee: A cost incurred when a transaction is conducted in a foreign currency or through a foreign bank. If you frequently go abroad, having a credit card with no foreign transaction fee is practically essential.
Some credit cards impose a fee when you sell your cryptocurrency rewards. Even if you don’t necessarily need to rule those cards out, one without this kind of cost would be a better option.

What is a crypto credit card?

A cryptocurrency credit card is one that rewards you with cryptocurrencies for your purchases. In that it earns a predetermined rate, such as 1.5 percent, on your purchases, it functions similarly to a cash-back credit card. The distinction is that bitcoin credit cards allow the cardholder to buy cryptocurrency using that money.

Here is a simple illustration of how this would operate with a credit card for cryptocurrency rewards that offer 1.5 percent cash back on purchases:

During a billing period, you spend $1,000 on purchases.
$15 in benefits would be earned for that expenditure.

With that, the cardholder would purchase $15 worth of cryptocurrency.
Most cryptocurrency credit cards let you select from a variety of cryptocurrencies, however, some cards only provide one or a few.

Not all bitcoin credit cards simply provide rewards in cryptocurrencies, it’s important to note. Some also give you additional choices, including cash back. As long as cryptocurrency is one of your reward alternatives, they are still regarded as crypto credit cards.
Crypto credit cards’ benefits and drawbacks
Following are the key benefits and drawbacks of crypto credit cards:


Earn bitcoin without taking any risks by making regular purchases. You have fewer card possibilities because there is a small selection of crypto credit cards.
The value of cryptocurrency prizes may drastically rise. The value of cryptocurrencies is prone to volatility.
Most cryptocurrency credit cards have no yearly fees. The card issuer determines when to make the cryptocurrency purchase.
In comparison to cryptocurrency debit cards
It’s simple to mix up crypto credit cards and crypto debit cards because they’re both widely utilized. However, they are two distinct payment mechanisms, exactly like conventional credit and debit cards.

You are borrowing money from the credit card company when you use a crypto credit card. Your purchases are made with the card issuer’s money up front, and you pay it back afterward. There may be interest fees, but if you pay off the entire balance on your card by the due date, you won’t pay any.

You are spending your own money when you use a crypto debit card. Your account on the cryptocurrency platform of the card issuer is typically linked to a cryptocurrency debit card. Your cryptocurrency balance is reduced through transactions. Additionally, there are prepaid crypto debit cards that you may load with money in either cryptocurrency or fiat money (traditional currency, like the U.S. dollar). The Card, which is our top option, is simply a prepaid debit card.

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