The Best Crypto Cashback Credit Cards

If you're looking to cash in on the cryptocurrency craze, a crypto cashback credit card could be the perfect route to get started. Cryptocurrency cashback cards pay cardholders in digital currency every time they use the card. That means you can earn cryptocurrency to build your portfolio with every swipe, dip, tap, or click to checkout.

Not all cashback credit cards are created equal, so we've gathered the best of the best to help you find the best cryptocurrency cashback rewards card. Check out our list and find the perfect crypto credit card for your unique spending needs.

What is a crypto cashback credit card?

A crypto cashback credit card is a cashback rewards credit card that pays cardholders in cryptocurrency instead of cash, points, or miles. Crypto cashback cards work just like traditional cashback cards in one important way: you earn a certain percentage back on every purchase you make with the card.

The big difference is that those rewards are paid out in Bitcoin, Ethereum, or other digital currencies with a crypto cashback card instead of boring old United States dollars. Depending on the card you choose, you could be limited to earning rewards in Bitcoin, or you could have the opportunity to choose from many additional cryptocurrencies.

How cryptocurrency cashback credit cards work

Contrary to the belief of some, you don’t necessarily need a dedicated cryptocurrency rewards card to earn digital currencies. A growing number of traditional cash back cards offer the option to redeem for Bitcoin and other currencies.

You will earn a specific rewards rate for purchases in different categories in most cases. Common bonus categories for personal crypto credit cards include travel, restaurants, groceries, and gas. Business rewards cards often feature categories like digital advertising, office supply stores, and telecom purchases.

If you're shopping for a new credit card and want cryptocurrency rewards, consider these important features:

  • Rewards rate: Some cards offer a boring 1% back, or less, on most purchases. The best cards offer higher rewards rates on standard purchases and higher bonus rates where you spend most. The card for business pays businesses up to 3% back on bonus purchases with no limits to what you can earn.

  • Rewards limits: Some cards offer the ability to earn a bonus rewards rate up to a specific annual limit, then rewards are paid at a lower rate. It’s best to find a card that never puts a cap on what you can earn.

  • Redemption options: For cryptocurrency cashback cards, it’s best to have options beyond Bitcoin. Today's top digital currencies include Bitcoin, Ethereum, Solana, Terra, XRP, Cardano, Dogecoin, Avalanche, Polkadot, Polygon, Stellar Lumens, and many more. It’s also nice to have the ability to redeem for traditional cash back, statement credits, travel rewards, gift cards, and other redemptions.

  • Annual fee: Some cards charge well over $500 per year just to have the card. The best cards may require a yearly fee, but they don’t have to. Some top cards come with no annual fees, saving you money from the start.

  • Other costs and fees: Other standard charges include fees for cash advances, balance transfers, foreign transactions, late payments, and returned payments. If you plan to carry a balance from month to month, the interest rate also impacts you. However, you never have to pay interest when you pay off the card in full every month by the due date.

Of course, these are not the only features to consider. For business owners, it’s important to look at cash management features, employee cards, and other details to help your business get the most from its payments.

The best credit cards for crypto cashback rewards

For individuals, the BlockFi rewards card, Gemini credit card, and Coinbase card have all emerged as contenders. The Upholds Bitcoin Rewards card is also interesting but limits what you can do with your crypto after earning.

If you own or manage a business, the card might be right up your alley. This card pays up to 3% cashback for online advertising purchases with flexible limits and powerful features made just for businesses like yours. Click here to learn more about the card and how it can help your business.

What to do with your cryptocurrency credit card rewards

Your rewards experience isn’t over when you get paid out in Bitcoin or other rewards. As you build a cryptocurrency portfolio, it’s essential to consider how you manage your digital assets and track them for tax purposes.

In addition to keeping them in your main digital wallet, you may be able to deposit or stake your assets to earn interest or rewards on your balance, similar to a bank savings account. You can also withdraw to outside wallets, use the currency for purchases, or swap for other types of digital assets.

Remember to track every transaction for tax purposes too. While your credit card rewards are most likely not taxed, any capital gains or losses on cryptocurrencies must be tracked for taxes. To make this process easier, you can use specialized tax software for cryptocurrencies, such as Koinly or CoinTracker.

Your business credit card should pay you

When you use it right, your credit card shouldn’t be a cost center. It shouldn’t restrict your spending or show up as a hassle to deal with on your to-do list. When you use the card, you have flexible limits and features for busy business owners and managers like you. With the ability to redeem for cash back, cryptocurrency, and other rewards, the card could be perfect for your business.

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