Crypto card comparison
9 major crypto cards, compared using each issuer's official help center, pricing and terms. Every cashback rate applies only up to a monthly spend amount and drops after that. The table shows the free (entry) tier.
Checked: 2026-10-03
| Free tier | Card / annual fee | Cashback | Max cashback / month | Paid in | FX fee | KYC |
|---|---|---|---|---|---|---|
 ether.fi Cash | Free (Core) | 3% (first $2,000/mo) → 1% (to $3,000) → 0.5% | About $70 | ETHFI (claimable after a 7-day lock, $5 minimum) | About 1% + up to 0.5% on Core | Required (18+) |
 Ethena Pay | Free (Standard) | 4% (first $2,500/mo) → 1% (to $4,000) → 0% | About $115 | AVAX (credited daily) | About 1% | Required (ID and liveness check) |
 KAST | Free (Standard) | 1.5% (first $2,000/mo) | About $30 | US dollars | 0.5–1.75% (help center) | Required (light for virtual; ID + selfie for physical) |
 Tria | $0–$25 (Lite, virtual) | 1.5% (first $1,000/mo) → 0.5% | About $15 | USDT (Arbitrum, claimed quarterly) | About 1% from Visa (up to 3% in the terms) | Required (ID + selfie, 18+) |
 Plasma One | Free (Lite; a $10 deposit in some regions) | 2% (first $500/mo; secondary source) | About $10 (secondary source) | XPL | Partner fees apply (Plasma covers them on Platinum) | Required |
 MetaMask Card | Free (virtual) | 1% (no cap stated) | No cap stated | mUSD | Mastercard rate (no MetaMask markup) | Required |
 Bybit Card | Unverified | 2% (cashback capped at $5/mo) | $5 | USDT (via points) | Unverified | Required (Bybit account verification) |
 Bitget Wallet Card | Free ($0.1 to activate within 72h of KYC approval, $10 after) | 2% (up to 3% after $200–400/mo of spend) | No cap stated | Your choice of BTC, gold, US stock tokens or USDC | Effectively 0% up to $400/mo, 1.7% beyond | Required (ID + face check) |
 RedotPay | $10 virtual, $100 physical | None | $0 | — | 1.2% outside the card currency | Required |
A credit-style Visa card backed by the crypto you deposit as collateral. You move up a tier through points, staking ETHFI, depositing in Liquid, or an annual fee.
Author's noteI plan to make ether.fi Cash my main card from here on. What made me buy ETHFI in the first place was how good the product felt when I actually used it.
- Card / annual fee
- Free (Core)
- Cashback
- 3% (first $2,000/mo) → 1% (to $3,000) → 0.5%
- Max cashback / month
- About $70
- Paid in
- ETHFI (claimable after a 7-day lock, $5 minimum)
- FX fee
- About 1% + up to 0.5% on Core
- KYC
- Required (18+)
Tiers and requirements
Core
QualifyFree
Cashback3%: first $2,000/mo → 1%: to $3,000 → 0.5%
FX: about 1% + up to 0.5%
Luxe
Qualify5,000 points a month, or $15K in Liquid, 30K ETHFI staked, or $199/year
Cashback3%: first $10K/mo → 1%: to $20K → 0.5%
FX: about 1% + up to 0.25%. Free metal card
Pinnacle
Qualify25K points a month, or $100K in Liquid, 150K ETHFI staked, or $999/year
Cashback3%: first $50K/mo → 1%: to $80K → 0.5%
No FX markup. Free metal card
VIP
Qualify$500K in Liquid or 500K ETHFI staked (invite only)
Cashback4%: first $50K/mo
No FX markup
| Tier | How to qualify | Cashback (by monthly spend) | Other |
|---|---|---|---|
| Core | Free | 3%: first $2,000/mo → 1%: to $3,000 → 0.5% | FX: about 1% + up to 0.5% |
| Luxe | 5,000 points a month, or $15K in Liquid, 30K ETHFI staked, or $199/year | 3%: first $10K/mo → 1%: to $20K → 0.5% | FX: about 1% + up to 0.25%. Free metal card |
| Pinnacle | 25K points a month, or $100K in Liquid, 150K ETHFI staked, or $999/year | 3%: first $50K/mo → 1%: to $80K → 0.5% | No FX markup. Free metal card |
| VIP | $500K in Liquid or 500K ETHFI staked (invite only) | 4%: first $50K/mo | No FX markup |
- Points: 1,000 per $1,000 of card spend, 5 a day per 1,000 ETHFI staked, and more. They reset every month and do not carry over.
- ATM: up to $1,000 per withdrawal, 5 withdrawals and $5,000 per 24 hours.
- Euro spending earns a lower cashback rate (it has no FX fee). USD and EUR spend share one monthly counter.
- Spending limits vary by account and depend on your collateral. There is no published fixed limit.
"Start" is a referral link. The author may be rewarded when you sign up or use the card. What is written here is not tied to those rewards.
Sources: ether.fi Help - How does cashback work?, ether.fi Help - How do Membership levels work?, ether.fi Help - Membership level benefits, ether.fi Help - Transaction limits and fees
Ethena Pay
An app that pays yield on USDe balances, with a Visa card. Beta launched on Avalanche on 2026-09-01. Not available in the US or EU; Japan is not on its list of restricted countries.
- Card / annual fee
- Free (Standard)
- Cashback
- 4% (first $2,500/mo) → 1% (to $4,000) → 0%
- Max cashback / month
- About $115
- Paid in
- AVAX (credited daily)
- FX fee
- About 1%
- KYC
- Required (ID and liveness check)
Tiers and requirements
Standard
QualifyFree
Cashback4%: first $2,500/mo → 1%: to $4,000 → 0%
5% a year on balances up to $5,000
Pro
QualifyLock $2,000 of ENA or refer 10 people (press)
Cashback4.5%: first $8,000/mo → 2% → 1% → 0.5%
6% a year on balances up to $100K
VIP
QualifyLock $10K of ENA or refer 50 people (press)
Cashback5%: first $20K/mo → 2% → 1% → 0.5%
6% a year on balances up to $1M
| Tier | How to qualify | Cashback (by monthly spend) | Other |
|---|---|---|---|
| Standard | Free | 4%: first $2,500/mo → 1%: to $4,000 → 0% | 5% a year on balances up to $5,000 |
| Pro | Lock $2,000 of ENA or refer 10 people (press) | 4.5%: first $8,000/mo → 2% → 1% → 0.5% | 6% a year on balances up to $100K |
| VIP | Lock $10K of ENA or refer 50 people (press) | 5%: first $20K/mo → 2% → 1% → 0.5% | 6% a year on balances up to $1M |
- The official pricing page and FAQ do not state the Pro and VIP requirements; the ones above come from press reports (The Block, 2026-09-01).
- The extra yield (Daily Boost) is a limited-time promotion, not a guaranteed rate. Balances above the cap earn only the base USDe rate.
- ATM: $1 + 0.65% of the amount (plus the ATM operator's fee). The card and monthly fee are free.
- Pro and VIP get up to 5% and 10% at some merchants (Uber, Spotify, Claude and others; press).
Sources: Ethena Pay - Pricing, Ethena Pay - FAQ, Ethena Pay - Terms of Use, The Block - Ethena launches Ethena Pay on Avalanche
KAST
A Visa card you pay with stablecoins. Tiers are set by the annual fee; higher tiers add KAST Points on top of cashback.
- Card / annual fee
- Free (Standard)
- Cashback
- 1.5% (first $2,000/mo)
- Max cashback / month
- About $30
- Paid in
- US dollars
- FX fee
- 0.5–1.75% (help center)
- KYC
- Required (light for virtual; ID + selfie for physical)
Tiers and requirements
Standard
QualifyFree
Cashback1.5%: first $2,000/mo
Up to 2 free cards (Visa Platinum)
Premium
Qualify$1,000/year
Cashback2%: first $10K/mo
+1% KAST Points (Visa Infinite)
Private
Qualify$10,000/year
Cashback3%: first $40K/mo
+2% KAST Points, gold-plated card
| Tier | How to qualify | Cashback (by monthly spend) | Other |
|---|---|---|---|
| Standard | Free | 1.5%: first $2,000/mo | Up to 2 free cards (Visa Platinum) |
| Premium | $1,000/year | 2%: first $10K/mo | +1% KAST Points (Visa Infinite) |
| Private | $10,000/year | 3%: first $40K/mo | +2% KAST Points, gold-plated card |
- The monthly caps come from the official help center (the membership page on the website shows no cap).
- The yield on balances (Reserve) is shown as 8% Standard, 10% Premium and 12% Private, but it is a promotion until 2027-07-01 and then drops to 4–8%.
- The fee schedule page blocked automated access, so ATM fees and similar are unverified.
Sources: KAST - Membership, KAST Help - How Do Cashback Rewards Work on KAST?, KAST - Legal
A Visa card linked to a self-custodial wallet. The tier is set by the card type (virtual, plastic, metal).
- Card / annual fee
- $0–$25 (Lite, virtual)
- Cashback
- 1.5% (first $1,000/mo) → 0.5%
- Max cashback / month
- About $15
- Paid in
- USDT (Arbitrum, claimed quarterly)
- FX fee
- About 1% from Visa (up to 3% in the terms)
- KYC
- Required (ID + selfie, 18+)
Tiers and requirements
Lite (virtual)
Qualify$0 (membership page) / $25 (card terms)
Cashback1.5%: first $1,000/mo → 0.5%
Pro (plastic)
Qualify$109
Cashback4.5%: first $2,000/mo → 1%
Lounges, baggage cover
Max (metal)
Qualify$250
Cashback6%: first $2,000/mo → 1%
Pro perks plus a metal card
| Tier | How to qualify | Cashback (by monthly spend) | Other |
|---|---|---|---|
| Lite (virtual) | $0 (membership page) / $25 (card terms) | 1.5%: first $1,000/mo → 0.5% | — |
| Pro (plastic) | $109 | 4.5%: first $2,000/mo → 1% | Lounges, baggage cover |
| Max (metal) | $250 | 6%: first $2,000/mo → 1% | Pro perks plus a metal card |
- Since Season 3 in June 2026, cashback has a monthly cap. Before that there was no cap and staking TRIA raised the rate.
- Cashback is paid in USDT every quarter, with up to 90 days before it is final.
- Card prices differ: the membership page lists Lite at $0, while the card terms list issuance/annual fees of $25 virtual, $109 plastic and $250 metal. Which is current is unverified.
- ATM: up to $2 + 3%. Spending limits depend on your collateral (wallet balance).
"Start" is a referral link. The author may be rewarded when you sign up or use the card. What is written here is not tied to those rewards.
Sources: Tria Help - Cashback, Tria Docs - Card Terms International, Tria - Membership
Plasma One
The app and Visa card of Plasma (XPL), a stablecoin-focused chain. A Bitfinex/Tether-linked project; cashback is paid in XPL. Issued by Rain.
- Card / annual fee
- Free (Lite; a $10 deposit in some regions)
- Cashback
- 2% (first $500/mo; secondary source)
- Max cashback / month
- About $10 (secondary source)
- Paid in
- XPL
- FX fee
- Partner fees apply (Plasma covers them on Platinum)
- KYC
- Required
Tiers and requirements
Lite
QualifyFree
CashbackUp to 2%
One virtual card
Core
Qualify$199/year, or lock 20K XPL for 12 months
Cashback3%: first $1,000/mo → 2% → 1% → 0.25% (secondary source)
Up to 5% on AI spend
Platinum
QualifyLock 100K XPL for 12 months (launch-period terms; reportedly 150K XPL afterwards)
Cashback4%: first $3,000/mo → 3% → 2% → 1% (secondary source)
Up to 10% on AI and flights, FX fees covered by Plasma, metal card
| Tier | How to qualify | Cashback (by monthly spend) | Other |
|---|---|---|---|
| Lite | Free | Up to 2% | One virtual card |
| Core | $199/year, or lock 20K XPL for 12 months | 3%: first $1,000/mo → 2% → 1% → 0.25% (secondary source) | Up to 5% on AI spend |
| Platinum | Lock 100K XPL for 12 months (launch-period terms; reportedly 150K XPL afterwards) | 4%: first $3,000/mo → 3% → 2% → 1% (secondary source) | Up to 10% on AI and flights, FX fees covered by Plasma, metal card |
- XPL is about $0.095 (2026-10-04, CoinGecko). A 20K XPL lock is worth about $1,900 and 100K XPL about $9,500, and it cannot be moved for 12 months even if the price falls.
- The official rewards terms say the monthly spend bands are "in the Help Center", but no figures were found there; the bands above come from review sites.
- The rewards terms are dated 2026-09-26. ATM withdrawals, P2P transfers, crypto purchases and similar earn nothing.
- Card volume in September 2026 was about $25.7M (Paymentscan, press).
Sources: Plasma - Personal (Plasma One), Plasma One Rewards Terms, Plasma Help - How the Plasma One tier system works, SpendNode - Plasma One Core Card Review
MetaMask Card
A Mastercard that pays straight from your MetaMask wallet. Cashback is paid in mUSD, MetaMask's stablecoin.
- Card / annual fee
- Free (virtual)
- Cashback
- 1% (no cap stated)
- Max cashback / month
- No cap stated
- Paid in
- mUSD
- FX fee
- Mastercard rate (no MetaMask markup)
- KYC
- Required
Tiers and requirements
Virtual
QualifyFree
Cashback1%
$15,000 a day, ATM $1,000 a day
Metal
Qualify$199/year
Cashback3%: first $10,000 a year → 1%
$30,000 a day, ATM $5,000 a day
| Tier | How to qualify | Cashback (by monthly spend) | Other |
|---|---|---|---|
| Virtual | Free | 1% | $15,000 a day, ATM $1,000 a day |
| Metal | $199/year | 3%: first $10,000 a year → 1% | $30,000 a day, ATM $5,000 a day |
- Metal's 3% applies to the first $10,000 a year — a yearly cap, unlike the monthly caps on other cards.
- Japan is not among the 40+ supported countries listed on the official site.
- A small per-transaction fee is mentioned, but the amount could not be confirmed on the official page.
Sources: MetaMask - Card
Bybit Card
A Mastercard that spends from your Bybit exchange balance. The tier is set by monthly spend or your Bybit VIP level; the rates are high but the monthly caps are small.
- Card / annual fee
- Unverified
- Cashback
- 2% (cashback capped at $5/mo)
- Max cashback / month
- $5
- Paid in
- USDT (via points)
- FX fee
- Unverified
- KYC
- Required (Bybit account verification)
Tiers and requirements
Base
QualifyStarting tier
Cashback2% (cashback up to $5/mo)
Beta
Qualify$500/mo spend, or VIP 1–2
Cashback2% (up to $50/mo)
Alpha
Qualify$3,500/mo spend, or VIP 3
Cashback4% (up to $150/mo)
Apex
Qualify$9,500/mo spend, or VIP 4 / PRO 1
Cashback6% (up to $250/mo)
Omega
Qualify$12,500/mo spend, or VIP 5 / PRO 2
Cashback8% (up to $400/mo)
Infinite
Qualify$25,000/mo spend, or Supreme VIP / PRO 3–5
Cashback10% (up to $600/mo)
| Tier | How to qualify | Cashback (by monthly spend) | Other |
|---|---|---|---|
| Base | Starting tier | 2% (cashback up to $5/mo) | — |
| Beta | $500/mo spend, or VIP 1–2 | 2% (up to $50/mo) | — |
| Alpha | $3,500/mo spend, or VIP 3 | 4% (up to $150/mo) | — |
| Apex | $9,500/mo spend, or VIP 4 / PRO 1 | 6% (up to $250/mo) | — |
| Omega | $12,500/mo spend, or VIP 5 / PRO 2 | 8% (up to $400/mo) | — |
| Infinite | $25,000/mo spend, or Supreme VIP / PRO 3–5 | 10% (up to $600/mo) | — |
- The cap is on the cashback amount. On the free Base tier you hit $5 after $250 of spend, and nothing more is paid that month.
- A tier reached through spend applies from the next day until the end of the following month.
- Payments funded from a fiat balance earn no points or cashback.
- FX and issuance fees could not be confirmed on the official pages.
Bitget Wallet Card
A Visa card that spends USDT and USDC from Bitget Wallet. FX and conversion fees on the first $400 each month are refunded. Japan is among the officially supported regions.
- Card / annual fee
- Free ($0.1 to activate within 72h of KYC approval, $10 after)
- Cashback
- 2% (up to 3% after $200–400/mo of spend)
- Max cashback / month
- No cap stated
- Paid in
- Your choice of BTC, gold, US stock tokens or USDC
- FX fee
- Effectively 0% up to $400/mo, 1.7% beyond
- KYC
- Required (ID + face check)
Tiers and requirements
Standard
QualifyFree
Cashback2%
No fees on the first $400/mo
Boosted
QualifyNew users, or $200–400+ of monthly spend
CashbackUp to 3%
| Tier | How to qualify | Cashback (by monthly spend) | Other |
|---|---|---|---|
| Standard | Free | 2% | No fees on the first $400/mo |
| Boosted | New users, or $200–400+ of monthly spend | Up to 3% | — |
- Beyond the $400 monthly no-fee allowance, non-USD payments carry a 1.7% FX fee. For spending in yen, that allowance is effectively the cap.
- ATM: the higher of 1% or $5, plus 1.7% FX and more.
- Spending limits depend on card level, up to $3M a month at the top level.
Sources: Bitget Wallet - Card, Bitget Wallet blog - Spend Freely with 0 Fees, Bitget Wallet Help - Fees
RedotPay
A Hong Kong-based stablecoin payment card. The card itself pays no cashback; the paid RedotPay Pro membership adds rewards on Apple Pay and Google Pay.
- Card / annual fee
- $10 virtual, $100 physical
- Cashback
- None
- Max cashback / month
- $0
- Paid in
- —
- FX fee
- 1.2% outside the card currency
- KYC
- Required
Tiers and requirements
Standard
Qualify$10 virtual / $100 physical
CashbackNone
Pro (monthly)
Qualify$12.90/month
Cashback3% on Apple Pay / Google Pay (up to $18/mo)
Free virtual card
Pro (yearly)
Qualify$129/year
Cashback3% on Apple Pay / Google Pay (up to $18/mo)
Free physical card, no ATM fees up to $1,000/mo
| Tier | How to qualify | Cashback (by monthly spend) | Other |
|---|---|---|---|
| Standard | $10 virtual / $100 physical | None | — |
| Pro (monthly) | $12.90/month | 3% on Apple Pay / Google Pay (up to $18/mo) | Free virtual card |
| Pro (yearly) | $129/year | 3% on Apple Pay / Google Pay (up to $18/mo) | Free physical card, no ATM fees up to $1,000/mo |
- Pro rewards are credited as USDs, usable only inside RedotPay, and expire after 30 days.
- ATM: 2% (3% on USD-card withdrawals above $10K a month) plus the ATM operator's fee.
Sources: RedotPay Help - Getting Started with RedotPay Pro, RedotPay Help - Are There Any Fees for Getting a Card?, RedotPay Help - ATM withdrawals and fees
Researched but not listed
- Gnosis Pay: the interim cashback program based on GNO holdings ended in August–September 2026, and there is no general cashback now (press). The new MiniPay Card is still taking sign-ups.
- Crypto.com: the official card page only showed a US credit card, so conditions for use outside the US could not be confirmed.
How to read this page
- "Max cashback / month" is what the free tier pays if you spend right up to where the rate drops (e.g. ether.fi Core: $2,000 × 3% + $1,000 × 1%). Spending more adds little.
- Paying in a currency other than the card currency (for the author, yen) adds an FX fee. Cashback minus the FX fee is roughly what you actually get back.
- Cashback is paid in each issuer's token (ETHFI, AVAX), US dollars or USDT; token payouts move with the price.
- Terms change without notice. Promotional rates are left out in favour of standard rates. Check the issuer's official page before you apply.
- Check availability where you live and your own tax obligations.