Best Crypto Cards in the US

Kraken Card earns a place for supporting more than 600 crypto and cash currencies, with a configurable spending order that can keep selected assets out of checkout. The virtual Mastercard has no issuance, monthly, annual, Kraken transaction, or foreign-exchange fee, and pays up to 2% in BTC or EUR. It requires a Kraken account and uses custodial balances, while a variable spread applies when assets are converted at purchase.

Gemini Credit Card is the credit option in this list, with up to 4% crypto rewards on gas, EV charging, and transit spending up to $300 each month. Dining earns 3%, groceries 2%, and other qualifying purchases 1%. The WebBank-issued Mastercard has no annual or foreign transaction fee and needs no staking for rewards. The primary trade-offs are credit approval and interest on carried balances.

MetaMask Card connects spending to a self-custodial wallet across Linea, Base, Solana, and Monad. The free Virtual tier pays 1% in mUSD, while Metal costs $199 per year and pays 3% on the first $10,000 of annual spending, then 1%. Apple Pay and Google Pay are supported, with daily spending limits of $15,000 for Virtual and $30,000 for Metal. On-chain gas applies to each top-up and spend.

Tangem Pay is a virtual Visa card funded with USDC or USDT on Polygon, Base, BNB Smart Chain, or Arbitrum. Its Basic plan has no monthly fee and pays 1% USDC cashback, while Plus pays 2%. The card can connect to Apple Pay or Google Pay, and balances can be withdrawn to Tangem Wallet. KYC is required, eligibility varies by state, and Basic ATM withdrawals cost 4%.

Coinbase Card offers virtual and physical Visa debit formats for spending crypto or US dollars, with no annual fee or Coinbase transaction fee for spending. US customers can select from a rotating list of crypto rewards without staking, and the card works in every state except Hawaii. The account is custodial, and Coinbase applies a spread when converting crypto to dollars.

Uphold Debit Card supports spending from more than 300 digital assets, plus dollars, Gold, and Silver balances. Essential costs $0 annually, while the top tier costs $99.99 annually and pays up to 4% in XRP on crypto- or metals-funded purchases. Apple Pay and Google Pay are supported. The main trade-offs are custodial wallet exposure, exclusions for Louisiana, New York, and US territories, and a $2.95 ATM fee on Essential.

Crypto.com Visa Card offers prepaid Visa spending with CRO rewards ranging from 0% to 4.5%, alongside travel rewards and selected subscription rebates. The free Midnight Blue tier has no subscription fee, while higher rates can require paid plans or 12-month CRO lockups reaching €450,000. Crypto cannot be loaded directly, since the app converts it before topping up the card. The custodial programme also reported about $30 million in unauthorized withdrawals in January 2022.

MPay is included for users seeking a virtual Visa funded with USDT or USDC from a connected Web3 wallet. USDT deposits work on BEP20, ERC20, and TRC20, while USDC works on BEP20, ERC20, and Base. The card targets online payments and generally avoids traditional KYC during onboarding. Its limitations are a virtual-only live product, temporarily paused new applications, limited issuer details, and the risk of losing funds sent on the wrong network.