Best Crypto Cards for Earning Yield
A yield card pays you on the balance sitting on it between purchases, money that earns nothing on a normal debit card. The category is full of sleight of hand: issuers quote a borrowing APR as if it were an earn rate (our dataset has 'yield' claims that are actually 17–65% loan interest), advertise headline rates that apply only to the first tranche of a balance, or gate the rate behind token staking and paid subscriptions. This list only counts rates the issuer pays you.
Every pick comes from Curat's curated 352-card dataset, where each fee, rate, and cap is stored with per-field source attribution. The numbers below trace back to an issuer page, not a press release.
- #1 Best headline rate on stablecoinsKC
KontigoKONTIGO CARD
- Yield
- 8% on USDC holdings
- Issuance
- Free
- Custody
- Self-custody (MPC wallet)
- Coverage
- 100+ countries
Curat's takeKontigo pays 8% on USDC holdings, the highest earn rate on this list that doesn't require an expensive card tier, with free issuance and self-custody via an MPC wallet. The disclosure gap is the trade-off: the full fee schedule isn't published, and neither is the exact Bitcoin cashback percentage, so treat the 8% as the one number you can plan around.
- #2 Best insured deposit rateXC
XX CARD
- Deposit APY
- 6%
- Cashback
- 3%
- Insurance
- FDIC up to $250,000
- FX fee
- 0%
Curat's takeThe X Card's 6% APY on deposits needs no direct deposit to qualify, and balances are FDIC-insured up to $250,000 via Cross River Bank. That is a protection level nothing else here matches. It also pays 3% cashback with zero foreign transaction fees. Know what you're buying: at launch it's a fiat-only product with no crypto rewards, and it's US-only in 40+ states (New York not yet among them).
- #3 Best yield-plus-cashback comboCC
CocaCOCA CARD (STANDARD)
- Balance APY
- 5% on first $50,000, then 2%
- Cashback
- 3% on first $1,000/month
- Staking
- 300 $COCA (~$470)
- FX fee
- 0%
Curat's takeCOCA Standard stacks 5% APY on the card balance (first $50,000, then 2%) with 3% stablecoin cashback on the first $1,000 of monthly spend. It is a double dip most rivals split across separate tiers. Entry costs 300 $COCA staked (roughly $470) plus $5 if you want the physical card, and cashback falls to 1% once you pass the monthly spend threshold.
- #4 Best no-strings USDT ratePC
PionexPIONEX CARD (VISA)
- Balance APR
- 5% on USDT, continuous accrual
- Cashback
- 1% USDT, no monthly cap
- Card fees
- No issuance or annual fee
- FX fee
- 1%
Curat's takePionex pays 5% APR on the card's USDT balance, accruing continuously, with no staking or token holding required and no issuance or annual fee. These are the cleanest terms in this tier. On non-USD spending the 1% cashback fully offsets the 1% FX fee. Watch the fine print elsewhere: USD local-spend cashback drops from 1% to 0.1% effective March 2026, and the physical card remains invitation-only.
- #5 Best rate inside a mainstream fintechRC
RevolutREVOLUT CARD (PREMIUM)
- Savings APY
- Up to 4.50% (variable)
- Plan cost
- $94.99/year
- Free ATM
- $800/month
- FX allowance
- $10,000/month fee-free
Curat's takeRevolut Premium tops out at 4.50% variable APY on savings, wrapped in the most complete app on this list, with $800/month of free ATM withdrawals, $10,000/month of fee-free currency exchange, and travel insurance. The rate isn't free: the plan runs $94.99/year, rewards come as RevPoints rather than cash, and ATM withdrawals past the allowance cost 2%.
- #6 Best zero-fee card with a balance rateKC
KrakKRAK CARD
- Rate on balance
- 3.6%
- Cashback
- Up to 2% (balance-tiered)
- Card fees
- No issuance, FX, or ATM fees
- Assets
- 600+ cryptocurrencies and fiat
Curat's takeKraken's Krak card charges nothing for issuance, monthly, annual, FX, or ATM fees while paying 3.6% on balances and up to 2% cashback, which new customers get at the Max tier as a welcome gift. Below a £/€200 balance the cashback tier resets to 0%, a variable spread applies when spending across assets, and availability stops at the UK and EEA.
Frequently asked questions
Informational only. Not financial advice. Card terms change; verify with the provider before applying. Curat may earn a commission from apply links, which never affects how lists are ranked.