7 Best Crypto Credit Cards of 2023

Cryptocurrency has been on the rise in recent years, and as such, many credit cards offer rewards in the form of cryptocurrency. Some of the best crypto credit cards offer high rewards for using their cards for cryptocurrency transactions and often have low fees. They’re also great for people who want to invest in cryptocurrencies and hold onto their rewards.

The world is becoming increasingly digital. This includes our spending habits, Our team monitors the cryptocurrency industry’s developments and keeps an eye on new product launches and trends. The crypto rewards credit card is a new trend that is rapidly gaining popularity.

Consumers are increasingly interested in earning rewards with crypto cards as they become more readily available. The crypto credit card works in the same way as traditional credit cards except that it sources funds and pays rewards with digital currency like Bitcoin. You still have the option to spend as you wish but with higher rewards via cryptocurrency thanks to popular card networks such as Mastercard and Visa.

We regularly review and analyze many factors in order to find the best cryptocurrency credit cards. This includes the rewards structure, as well as associated pricing and fees, crypto options, payment methods, and exchange options. Cryptocurrencies are a hot topic right now, and with good reason.

Note: If you have No Crypto Trading Account You Can Connect with Binance or Wazirx.

They are a revolutionary way to think about money and revolutionize how you do business.

It’s easier than ever to invest in cryptocurrency with so many trading platforms and crypto exchanges.

To keep track of your trades, you can use portfolio trackers. They (hopefully!) provide a greater return on your initial investment. This is where crypto credit cards come in.

These cards allow you to use your cryptos as regular currency and offer a number of benefits that traditional credit cards don’t.

This article will review and rank the top crypto credit cards, based on their benefits and drawbacks. Here are some tips to help you choose the right card for you. Let’s get into the details.

What Are The Best Crypto Credit Cards?

Cryptocurrency has been around for a few years, with many people investing in digital tokens. While some people invest in Bitcoin, Ether, and other cryptocurrencies, others prefer to use credit cards to purchase digital assets. In this article, we will explore the best crypto credit cards and recommend some options for those looking to invest in digital currencies. The following are the best crypto credit cards on the market today.

1. BlockFi Rewards Visa® Signature Card

Official Website: https://blockfi.com/

Offer	Earn 3.5% crypto rewards on all purchases in the first 90 days of card ownership, up to $100 in crypto
Recommended Credit	Excellent/Good Credit
APR	14.99% – 24.99%
Annual Fee	No Annual Fee
Intro Purchase APR	N/A
Reward Rates	Earn 1.5% back in crypto on every single purchase

Features of BlockFi Rewards Visa® Signature Card

>Earn 2% back in crypto on every purchase over $50,000 of annual spend.

>You can find out if your credit score has been affected by being approved. Before you accept the credit card offers, a soft credit pull is performed. When you accept your credit card offer, a hard credit pull is performed. This can impact your credit score.

>BlockFi Rewards Visa Signature Card gives you instant access, in addition to the other benefits, to exclusive travel, wine, food, sporting events, and shopping.

>Your BlockFi Rewards Visa Signature Card includes 24/7 access to your Visa Signature(r), Concierge* for assistance with booking travel, accommodation, tickets, event tickets, and even restaurant reservations.

>No annual fee

>No foreign transaction fees

2.  Coinbase Visa Crypto Credit Card

Official Website: [https://www.coinbase.com/card]

Coinbase was founded in 2012. It is one of the most well-known digital currency exchanges around the world. The Coinbase Card allows cardholders to spend cryptocurrency wherever Visa is accepted. We chose it because of its support for multiple currencies and ease-of-use currency conversion. It also offers top-notch security.

The Coinbase Card can support up to nine cryptocurrencies including Bitcoin, Ethereum, and Litecoin. Cardholders must have a Coinbase Account. You don’t have to maintain a fiat currency account. The card converts your favorite cryptocurrency automatically in your Coinbase wallet.

Coinbase Card offers many security and convenience features including a mobile wallet, two-factor authentication, instant card freeze, spending tracker, and much more. The cardholder can make in-store and online purchases, and withdraw cash at any Visa ATM around the globe.

For a Coinbase card, residents of Europe and the U.K. must pay a 4.95 EUR or PS4.95 EUR issuance fee. U.S. residents are eligible for the card at no cost. Coinbase charges several fees, including a 2.49% liquidation fee.

Features of Coinbase Visa Crypto Credit Card

• For easy tracking and spending, your Coinbase Card can be connected to your Coinbase Account.
• You can add extra security to your card with a two-step verification
• You can use your Coinbase card at any Visa merchant online or in-store.
• You can choose which crypto wallet to use for spending – Bitcoin, Ethereum, or Litecoin.
• You can keep track of your spending by using the Coinbase transaction and spending summaries.
• Note: Coinbase account required

3. Gemini Crypto Credit Card

Official Website: [https://www.gemini.com/credit-card]

Best Overall For Crypto Credit Cards.

Bonus	NO
Reward Rates	>3% back on dining (up to $6,000 in annual spend, then 1%) >1% back on all other purchases >2% back on groceries
APR	12.99% – 23.99% Variable
Annual Fee	NO
Recommended Credit	NO
Purchase APR	NO

Gemini is launching its own crypto rewards credit card. This comes as a result of it being one of the most popular cryptocurrency exchanges in America. The Gemini credit card does not have an annual fee. However, the rewards structure is slightly different.

Cardholders will be able to earn:

• 3% back on dining
• Get 2% off your groceries
• All other purchases eligible for a 1% discount

Your crypto rewards do not have to be limited to Bitcoin. You can also earn them in any of the 40+ Gemini-supported crypto assets. You can also benefit immediately from price appreciation by receiving the rewards you earn from your spending.

Customers in all 50 US states will have the option to purchase the card. It will be metal with a black or silver finish. The Gemini card is expected to launch in the summer of 2021. Those interested can sign up for the waitlist.

Features of Gemini Crypto Credit Card

• Card costs are lower when there is no annual fee.
• There are 50+ cryptocurrency coins available.
• Traveling without foreign transaction fees is a great way to save money.
• Your Gemini account will receive crypto rewards immediately.
• You can customize your credit card design and color.
• Gemini makes it simple to manage your account, transactions, and more with the Gemini app

4. Crypto.com Crypto Credit Card

Official Website: [https://crypto.com/cards]

Best For Instant Crypto Rewards

Crypto.com supports the purchase and use of more than 100 cryptocurrencies. It has approximately 10 million users worldwide as of July 2021. Users can earn up to 8% on purchases made with the metal prepaid Visa Card.

You can also top up the card with fiat currencies, in addition to crypto. Over 20 fiat currencies are accepted by the company. It can use crypto to purchase it at 40 million Points-of-Sale, retail shops, and ATMs that have Visa logos. It can be used in over 1000 lounges at more than 400 airports. It allows you to top up with crypto and then spend it in USD as any other payment method.

The amount of crypto tokens purchased and deposited into the wallet determines the card tier. KYC verifications must be completed by users.

Features of crypto.com Crypto Credit Card:

• You can spend the crypto card on Netflix and Spotify, Expedia Lounge, Expedia.com, Prime, and Airbnb.
• You can withdraw up to $1,000 from an ATM for free depending on your card.
• Earn 1% to 8.8% cash back on purchases with the card and earn CRO (crypto.com’s platform token) when you stake CRO.
• You can choose from up to five different card designs, with variable CRO stake rewards and maximum withdrawals. These card tiers have staking requirements ranging from $0 up to $400,000.
• CRO holders are free, there are no annual or monthly fees.
• A mobile app is also available.

5. Wirex Visa Crypto Credit Card

Official Website: [https://wirexapp.com/]

Best for International Transaction

Bonus	NO
Reward Rates	Crypto back™ rewards pay back up to 8% in X-Points on all spending, online and offline
Recommended Credit	No Credit History
Annual Fee	NO
Purchase APR	NO
APR	NO

Wirex Visa Card allows users to open fiat and cryptocurrency accounts, as well as convert crypto to fiat without intermediaries. The card allows users to earn cashback for every purchase or transaction made with it.

This card can be used to open multi-sig accounts.

Features of Wirex Visa Crypto Credit Card:

• Receive 2% cashback when you purchase with your card Cashbacks in WXT, the platform native token, can be converted into any crypto.
• You can withdraw up to SG$1400 per day from ATMs, and top up your debit/credit cards with as much as $2500.
• Provides notifications in-app. You can track transaction history.
• It currently supports 36 cryptocurrencies and more than 150 national currencies.
• You can save up to 33% by converting cryptocurrency to local currency at ATMs and merchant shops.
• Refer a friend to get 10 USD in WXT

There are no fees. Converting crypto to fiat requires no exchange fees. There are no maintenance fees. Delivery is from SGD 5-25. 1% of the card’s balance can be topped up with a crypto account. No additional charge to top up with external credit cards or debit cards.

ATM withdrawals are free for up to 400 SGD per month. After that, 2% will be charged. Transfer out crypto, USD 10k per transaction; up to $50,0000 daily.

6. Upgrade Bitcoin Rewards Visa

Official Website: [https://www.upgrade.com/upgrade-card/]

The Upgrade Bitcoin Rewards Visa, or bitcoin card, is a primary crypto credit card. It doesn’t offer any additional benefits over other cards, but it is an excellent alternative to other cards. While you won’t earn bitcoin, it offers the same rewards rate at 1.5% on all purchases as BlockFi. The Upgrade Bitcoin Rewards Visa can be used anywhere Visa is accepted. However, you can’t move bitcoin from the custodial Upgrade Platform to your wallet. This limits your ownership and exposes your price exposure. You can only do what you want with your bitcoin rewards: keep them in your custodial account or redeem them as a statement credit. Although it is limited, this card is one of the most accessible crypto rewards cards currently available.

Upgrade Bitcoin Rewards Card

Like other crypto rewards options like flat cashback, Upgrade’s Bitcoin Reward Card is similar to:

• 1.5% in Bitcoin rewards when your purchase is paid down (not when the purchase is made).
• Bitcoin can be redeemed within 1-2 statements after payment has been received.
• Your Bitcoin rewards can only be used to upgrade your account or sell. You can’t transfer your Bitcoin to any other wallet, and you have to wait for 90 days before you are eligible to sell.
• You will be charged a 1.5% transaction charge once you sell your Bitcoin holdings. The money you receive from the sale can only be used as a statement credit.
• There is no annual fee or foreign transaction fee.
• 8.99% to 29.99% APR — If you have a balance, the upgrade card works more like an installment loan. You’ll pay equal monthly installments over a set period.

The Upgrade card has the most restrictions when it comes to Bitcoin rewards. However, the other cards on the list offer better options for earning and investing. This card is ideal for those who want to own Bitcoin to store value and eventually sell it. However, this card won’t allow you to exchange your coins for other cryptos or keep your cash in your wallet.

Pros & Cons

• When you pay with your card, earn 1.5% in Bitcoin
• If you have a balance, fixed payments can help you save interest.
• There is no annual fee
• No foreign transaction fees
• There is no welcome offer for new customers
• Potential for high APR
• Not available in all states
• Market trends can cause rewards to fluctuate in value.

Features of Upgrade Crypto Credit Card

• Bitcoin is added to your account within 1-2 statement periods after making a payment. Market prices determine the value of Bitcoin at the time.
• You’ll be charged a transaction fee of 1.5% if you sell Bitcoins you have earned.
• Variable APR from 8.99% to 29.99%
• Credit lines available from $500 up to $25,000
• Set monthly payments and pay off balances at a fixed rate
• Inaccessible in Hawaii, Iowa, and New Hampshire.

7. Venmo Credit Card

Official Website: [venmo.com]

The Venmo Debit Cards are not like traditional debit cards which pull from linked accounts. Instead, purchases made with the Venmo Card are charged to your account balance. However, you will still need to have a linked account in order to transfer funds to that balance.

• Venmo was founded in 2009 as a peer-to-peer text-message payment platform. Three years later, the platform launched an integrated social network.
• It was purchased by Braintree in 2012 and then acquired by PayPal a year later. Venmo charges a standard fee of 3% for sending money. However, the company will waive that fee if the transaction is funded using a Venmo balance or a bank account.
• When users send money using a credit card, the 3% fee will not be waived.
• Venmo can be used to pay for purchases by around 2 million brick-and-mortar and online merchants.

Venmo Credit Cards Earning Rewards

The Venmo card is a reward card that earns reward points at these rates:

• Earn cash-back of 3% on your top spending categories from an eight-page list
• Earn 2 percent cash back for your next top purchase category from the following list
• Other purchases receive a cashback of 1%

The eight categories of categories that can be eligible for bonus rewards are as follows:

• Restaurants and nightlife, including dine-in and take-out, delivery bars, and drink shops
• Travel, including hotels, airline resorts, motels, and airlines as well as short-term rental services like Airbnb. It is important to note that cruises are not qualified
• Utilities and bills–including streaming services, internet service electric bills as well as magazines and newspaper subscriptions
• Beauty and health, including pharmacies and drugstores, tennis clubs, health clubs golf and swimming memberships
• Grocery, which includes supermarkets as well as wholesale clubs along with bakeries, convenience stores, and Delis
• The term “gas” includes any store that offers fuel. It is important to note that this does not exclude the purchase of gas from discounters and warehouse clubs.
• Transportation–Including rental cars, taxicabs, rideshare merchants, limousines, bus lines, passenger railways, tolls, parking meters, and parking garage fees
• Entertainment–Including movie theaters, theatrical and concert promoters, video rental and game stores, books and newsstands, amusement parks, music stores, and toy and hobby stores

What is the best way to get crypto credit card rewards?

It’s not unusual to have credit cards linked to investments — for example, the Fidelity Rewards Visa Signature Card offers 2% back on all purchases when you deposit your earnings into a Fidelity investment account.

The crypto rewards cards work in a similar way. The card can be used to make any purchase that you would normally use a credit card for, and you will earn a certain percentage back. Some cards earn a flat rate for every purchase while others give you bonus rewards in specific categories like groceries or dining.

These cards function just like any other rewards card. However, you run the risk of high-interest debt if the balance is not paid in full by the due date. These cards have the same variable interest rates as other credit cards. They typically range from 10% to as high as 20% APR. While crypto rewards can be a great way to earn long-term value, they are also susceptible to being quickly erased by high-interest balances.

The redemption process is the main difference between a cryptocurrency rewards credit card and other reward cards. You’ll get that percentage back in crypto, instead of statement credits or cash back. If you spend $1,000 on a card that earns 2% back crypto rewards in a given month, you might be eligible to redeem the rewards for $20 worth of Bitcoin. These cards can be co-branded with crypto investment platforms or crypto exchanges. Your crypto is usually deposited to your associated account.

Do You Need a Crypto Rewards Credit card?

Cryptocurrency may not be the best way to invest if you are looking to gain crypto-currency but don’t want your money to go bad. Harzog states that these cards are a low-risk way of trying out the market. These cards can be a great way to boost your portfolio if you are willing to accept the risk.

Consider the potential loss of travel or cashback rewards. Rossman states that credit card rewards should not be a major part of your monthly budget. However, you need to ensure that you are at least on a stable financial footing so that cashback rewards can be used elsewhere. Or, perhaps you are sacrificing your chance to receive a free vacation.

Credit cards come with the usual risks. A new rewards credit card won’t help if you are already in credit card debt or have trouble paying your monthly balance. You should not open these cards if you don’t have good credit habits. Pay your monthly balances on time and in full. Otherwise, you will end up paying more interest than you get in crypto rewards.

Harzog says, “You only have to decide how you want your portfolio to look.” “And I am not only thinking about your investments but also your wallet. Which credit cards are you currently carrying? How much risk can you take that you feel comfortable with?

Rossman believes that these cards are most appealing to smart users who are already customers and want to consolidate rewards from investments. Rossman speculates that companies view the cards as a long-term strategy, which can be very suitable for long-term HODLers.

Rossman states that none of these offer the eye-popping sign-up bonuses he is looking for. He finds this reassuring. They don’t want the flash-in-the-pan type of [points] player. They’re looking for someone who is already a crypto enthusiast and wants more, or someone who might be interested in trying it out.

Are Crypto Credit Cards Secure?

Credit cards come with some risks. Credit cards are a major source of identity theft as well as financial fraud.

You can be sued if you lose your card or your card number, and if you don’t lock it or cancel it, your card could be used to purchase items without your consent. Hackers can also steal your credit card and make unauthorized purchases if it is used on unsecured websites or payment terminals.

Traditional credit cards offer important protections against financial loss from card theft or card numbers being stolen.

First, many issuers allow you to lock your credit card immediately if you find it missing. This makes it ineligible as a payment method. You can unlock the card if you find it later. You can cancel the card and ask for a new number.

Second, and perhaps most importantly, almost all credit card issuers have $0 liability policies for fraud. You won’t be held responsible if someone uses your card for unauthorized charges. The issuer will reverse the charges after an investigation has been completed and it is determined that the charges were fraudulent.

Generally, crypto credit cards have $0 fraud liability policies. They have an additional vulnerability, however, because they use crypto to reward customers.

Crypto holdings that are stored in hot wallets that can be connected to the Internet are susceptible to theft. Although this is true for fiat currency in bank accounts, crypto wallets are more vulnerable to theft than those held in bank accounts. Consumers have less recourse if their holdings are stolen.

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How to transfer money from a credit card into Bitcoin account?

There are a few ways to transfer money from a credit card to a Bitcoin account. Here are a few options:

1. Use a cryptocurrency exchange: Many cryptocurrency exchanges, such as Coinbase and Bitstamp, allow you to buy Bitcoin with a credit card. To do this, you will need to create an account on the exchange, verify your identity, and link your credit card. Once this is done, you can use your credit card to buy Bitcoin and deposit it into your exchange account.
2. Use a peer-to-peer platform: Peer-to-peer platforms, such as LocalBitcoins and Paxful, allow you to buy Bitcoin from other users directly. Some of these platforms allow you to pay with a credit card, although you may need to pay an additional fee for this service.
3. Use a Bitcoin ATM: Some Bitcoin ATMs allow you to buy Bitcoin with a credit card. To use a Bitcoin ATM, you will need to locate one near you, scan your credit card, and follow the instructions on the screen.

Remember that transferring money from a credit card to a Bitcoin account may result in high fees and interest charges, depending on your credit card terms. It is important to carefully consider the costs and risks before using a credit card to buy Bitcoin.

How can I buy Bitcoin into my bitcoin wallet account without using my bank account or debit card/credit card?

There are a few ways to buy Bitcoin without using a bank account or debit/credit card:

1. Use a peer-to-peer platform: Peer-to-peer platforms, such as LocalBitcoins and Paxful, allow you to buy Bitcoin from other users directly. Some of these platforms offer a variety of payment methods, including cash, bank transfers, and gift cards.
2. Use a Bitcoin ATM: Some Bitcoin ATMs allow you to buy Bitcoin with cash. To use a Bitcoin ATM, you must locate one near you and follow the instructions on the screen.
3. Use a cryptocurrency exchange: Some cryptocurrency exchanges, such as Binance, allow you to buy Bitcoin with a bank transfer or other methods, such as a prepaid debit card or a third-party payment service like PayPal.

It is important to carefully research and compares any exchange or platform’s fees, limits, and reputation before using it to buy Bitcoin. Using a hardware or software wallet to store your Bitcoin securely is also a good idea.

How can I send money to someone who has Bitcoin with credit card?

To send money to someone with Bitcoin, you will need to use a cryptocurrency exchange or peer-to-peer platform that allows you to buy Bitcoin with a credit card. Here’s how to do it:

1. Create an account on a cryptocurrency exchange or peer-to-peer platform that allows you to buy Bitcoin with a credit card.
2. Verify your identity and link your credit card to your account.
3. Buy Bitcoin using your credit card and deposit it into your exchange or platform account.
4. Send the Bitcoin to the recipient’s Bitcoin wallet address.

Remember that using a credit card to buy Bitcoin may result in high fees and interest charges, depending on your credit card terms. It is important to carefully consider the costs and risks before using a credit card to buy Bitcoin. It is also a good idea to use a reputable exchange or platform to ensure the security of your transactions.

Do travel agents require Bitcoin But say you can’t use a credit card?

It is rare for travel agents to require payment in Bitcoin or to prohibit the use of credit cards. Travel agents typically accept various payment methods, including cash, checks, debit cards, and credit cards.

However, some travel agents or individuals may offer travel-related services and request payment in Bitcoin. If you are considering using a travel agent who requires payment in Bitcoin, it is important to be aware of the risks and potential issues that may arise.

One risk of using Bitcoin as a payment method is that it is not widely accepted, and it may not be easy to convert Bitcoin back into a fiat currency like US dollars or euros. In addition, the value of Bitcoin can fluctuate significantly, which means that the value of your payment could change over time.

It is also important to be aware that any government or financial institution does not regulate Bitcoin, and the FDIC does not insure it. This means there is a higher risk of fraud or loss when using Bitcoin than traditional payment methods.

Considering using Bitcoin to pay for travel-related services, it is a good idea to research and carefully weigh the risks and benefits before deciding.

How do I change my credit card to another card in the crypto.com Defi wallet?

To change the credit card that is linked to your Crypto.com Defi Wallet, you will need to follow these steps:

1. Log in to your Crypto.com account and navigate to the “Card” tab in the main menu.
2. Scroll down to the “Linked Card” section and click on the “Change Card” button.
3. Enter the details of the new credit card you want to link to your account, including the card number, expiration date, and security code.
4. Click on the “Save Card” button to save the changes.

Remember that you may need to verify your identity and complete other security checks before linking a new credit card to your account. You can contact the customer support team for assistance if you have any issues or questions about changing the credit card on your Crypto.com Defi Wallet.

Why does my credit card work with Ledger and gets declined in crypto.com?

There are a few possible reasons why your credit card might work with Ledger but be declined on Crypto.com:

1. Different acceptance policies: Different merchants and services have different policies for accepting credit cards; some may be more strict than others. Crypto.com may have more stringent requirements for accepting credit cards, or it may have experienced issues with fraud or chargebacks that have led it to tighten its acceptance policies.
2. Credit card issuer restrictions: Your credit card issuer may have placed restrictions on your account that prevent you from using it to buy cryptocurrency. Credit card issuers may be concerned about the risk of fraud or chargebacks associated with cryptocurrency transactions and may place limits on these types of purchases.
3. Credit card information: There may be an issue with the credit card information you are providing to Crypto.com. Ensure you enter the correct card number, expiration date, and security code.
4. Other issues: There could be other issues causing your credit card to be declined on Crypto.com. For example, you may have reached your credit limit or need help with your account.

If your credit card is being declined on Crypto.com, it is a good idea to contact the service and see if they can provide more information about the issue. You should also check with your credit card issuer to see if there are any restrictions on your account or any other issues that could be causing the decline.

How can I purchase Bitcoin with my chime credit card?

To purchase Bitcoin with your Chime credit card, you will need to use a cryptocurrency exchange or peer-to-peer platform that allows you to buy Bitcoin with a credit card. Here’s how to do it:

1. Create an account on a cryptocurrency exchange or peer-to-peer platform that allows you to buy Bitcoin with a credit card.
2. Verify your identity and link your Chime credit card to your account.
3. Buy Bitcoin using your Chime credit card and deposit it into your exchange or platform account.

Remember that using a credit card to buy Bitcoin may result in high fees and interest charges, depending on your credit card terms. It is important to carefully consider the costs and risks before using a credit card to buy Bitcoin. It is also a good idea to use a reputable exchange or platform to ensure the security of your transactions.

You can contact the customer support team for assistance if you have any issues or questions about using your Chime credit card to buy Bitcoin.

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