Best Crypto Cards for Cashback

Bleap pays a straight 1% base in USDC, a stablecoin rather than a house token, and merchant boosts push the ceiling to 20%. Add 0% FX and no issuance or monthly fee, and it's the rare cashback card where the reward isn't quietly clawed back elsewhere. Funds stay in a wallet you control. The trade-off is EU-only availability.

Oobit's 5% base rate is the highest unconditional starting rate on this list, paid in USDT (USDC for EEA users), with promos reaching 10%. It's available across the US, EU and UK, which almost nothing else in the top tier manages. Watch the FX fee. Up to 3% on foreign-currency spend can eat the reward on travel.

WhiteBIT's Nova card starts at 1% and scales to 10% with the exchange's activity tiers, paid in BTC or WBT. Your pick matters, since BTC keeps the reward liquid. Free to issue, free monthly, and a modest 1% FX fee. The usual CEX caveat applies: rates track your exchange tier, so the top rate assumes real volume.

KardPay combines an 8% ceiling with 0% FX and a lighter onboarding flow than most rivals. The catch is the reward engine: hitting the top rate requires staking KDY, the platform's own token, so your effective yield moves with its price. The $28 issuance fee pays back quickly at these rates if you actually spend through it.

The virtual Ku Card is free to issue and pays 1% base, stretching to 8.5% for users staking KCS. Rewards land in KCS, so treat the top rate as a bet on the token as much as a rebate. For anyone already deep in the KuCoin ecosystem it's close to free money; for everyone else, mid-list rates with a 2% FX fee.

Bit2Me pays 0.25% to 7% depending on loyalty tier, in B2M token, with a free virtual card and no monthly fee. Its crypto-wallet spend fee of 0.95% is one of the more honest conversion rates among EU exchange cards. Strong pick if you're in its core Spanish-speaking markets; the physical card costs €20 at lower levels.