Best Crypto Cards for Cashback and Rewards
Compare the best crypto rewards card options by cashback rate, reward currency, fees, limits, and country availability. This ranking focuses on cards in our database with confirmed cashback or reward data.
Cashback is one of the main reasons users look for a crypto rewards card, but the headline rate is only part of the comparison. Reward currency, tier rules, monthly caps, fees, and country availability all affect what a card is actually worth in practice.
This article compares active and invite-only crypto cards in our database with confirmed cashback or rewards data. It covers base reward rate, maximum reward rate, reward currency, limits, fees, and key eligibility conditions. It also separates crypto cards from traditional credit cards: many of the products below are debit or prepaid-style cards, not credit cards.
Quick answer: the best crypto rewards card options in our data
Here are the cards with confirmed cashback or rewards data in our database:
Best crypto card cashback: quick comparison
| Card | Base cashback | Max cashback | Reward currency |
|---|---|---|---|
| Bitget Wallet Card | 10% | 20% | BGB |
| COCA | 1% | 8% | USDC |
| Wirex | 0.5% | 8% | WXT |
| Tria | 1.5% | 6% | USDC |
| Lava Card | 3% | 5% | BTC |
| EtherFi Cash | 3% | 3% | USDC |
| Coinbase Card | 2% | 4% | BTC |
| Plasma One | 2% | 4% | XPL |
| Card | Cashback limit | Availability |
|---|---|---|
| Bitget Wallet Card | $5 to $800/mo by VIP level | 144 countries |
| COCA | Tiered monthly thresholds | 67 countries |
| Wirex | Needs confirmation | 70 countries |
| Tria | No monthly cap disclosed | 170 countries |
| Lava Card | Needs confirmation | 179 countries |
| EtherFi Cash | $2k / $10k / $50k tier thresholds | 175 countries |
| Coinbase Card | Variable in app | 31 countries |
| Plasma One | $250 to $1,000/mo by tier | 165 countries |
| Card | Monthly fee | FX fee | ATM fee |
|---|---|---|---|
| Bitget Wallet Card | Not specified | 1% | 2% |
| COCA | — | 0% | 0% |
| Wirex | Free / paid tiers | 0% | 0% |
| Tria | $25/yr to $250/yr | 1% | 3% |
| Lava Card | No annual fee reported | 0% | 0% |
| EtherFi Cash | — | 1% | 2% |
| Coinbase Card | — | 0% | 0% |
| Plasma One | 0% / $120/yr / staking | 1% | Needs confirmation |
Top 5 rankings by cashback in our data
Top 5 by minimum cashback
| Rank | Card | Minimum cashback | Reward currency |
|---|---|---|---|
| 1 | Bitget Wallet Card | 10% | BGB |
| 2 | Lava Card | 3% | BTC |
| 3 | EtherFi Cash | 3% | USDC |
| 4 | Coinbase Card | 2% | BTC |
| 5 | Plasma One | 2% | XPL |
Top 5 by maximum cashback
| Rank | Card | Maximum cashback | Reward currency |
|---|---|---|---|
| 1 | Bitget Wallet Card | 20% | BGB |
| 2 | COCA | 8% | USDC |
| 3 | Wirex | 8% | WXT |
| 4 | Tria | 6% | USDC |
| 5 | Lava Card | 5% | BTC |
Top 5 by average cashback
| Rank | Card | Avg cashback | Reward currency |
|---|---|---|---|
| 1 | Bitget Wallet Card | 15.00% | BGB |
| 2 | COCA | 4.50% | USDC |
| 3 | Wirex | 4.25% | WXT |
| 4 | Lava Card | 4.00% | BTC |
| 5 | Tria | 3.75% | USDC |
What matters when comparing a crypto card rewards program
The highest published rate does not automatically make a card the best fit. These are the main comparison points:
- Reward currency: Some cards pay in stablecoins such as USDC; others pay in BTC or platform tokens.
- Eligibility conditions: Higher rates may require staking, locking tokens, or using a paid membership tier.
- Spending limits and caps: A top cashback tier may only apply to part of monthly spend.
- Fees: Monthly fees, annual fees, FX fees, and ATM fees can reduce the value of rewards.
- Availability: Some cards are broadly available; others have limited country coverage or US-only reward rules.
- Virtual and physical support: Every shortlisted card in this article supports both virtual and physical formats.
Card-by-card breakdown
Bitget Wallet Card
Bitget Wallet Card has the highest minimum, maximum, and average cashback figures in our data: 10% base cashback, 20% max cashback, and rewards paid in BGB. The main limit is the cashback cap by VIP level: $5/month for Non-VIP, $100 for VIP 1–2, $350 for VIP 3–4, and $800 for VIP 5–7.
It supports both virtual and physical cards and is listed as globally available in our database, with 144 supported countries. Fees listed in our data are 1% FX and 2% ATM, with no monthly fee specified. A key condition is that BGB cashback is currently exclusive to Bitget Card (APAC) cardholders.
COCA
COCA pays cashback in USDC, which makes it one of the clearer stablecoin cashback options in this list. Base cashback is 1% and maximum cashback is 8%, with an average of 4.50% in our data.
Its cashback schedule is tier-based:
- Starter: 1% unlimited
- Standard: 3% on first $1,000/month, then 1%
- Standard+: 4% on first $1,750/month, then 1%
- Premium: 5% on first $2,500/month, then 1%
- Premium+: 6% on first $5,000/month, then 1%
- Elite: 8% on first $10,000/month, then 1%
COCA supports both virtual and physical cards. Our database shows 67 supported countries and not global availability. Listed FX and ATM fees are 0% and 0%. Monthly fee data is not disclosed in the summary field.
Wirex
Wirex offers 0.5% base cashback and up to 8% max cashback, with rewards paid in WXT. The program uses Entry, Premium, and Elite tiers, and higher Cryptoback requires locking WXT for 180 days on eligible tiers.
Wirex supports both virtual and physical cards and is listed in 70 supported countries in our database. Fees listed are 0% FX and 0% ATM. Pricing depends on the plan: Standard is free, Premium is €102 annually, and Elite is €306 annually. A separate cashback-cap field is not disclosed in our data.
Tria
Tria pays cashback in USDC and combines a relatively broad availability profile with a higher published max rate than many peers. Base cashback is 1.5%, max cashback is 6%, and the average in our data is 3.75%.
Our database says:
- base cashback requires no staking
- optional TRIA token staking can unlock additional cashback
- no monthly cashback cap is disclosed
- ATM withdrawals do not earn cashback on the Virtual tier
Tria supports both virtual and physical cards and is marked as globally available, with 170 supported countries. Fees listed are Virtual $25/year, Signature $109/year, Premium $250/year, plus 1% FX and 3% ATM.
Lava Card
Lava Card pays rewards in BTC. It has 3% base cashback, 5% maximum cashback, and a 4.00% average in our data.
The key reward conditions are straightforward:
- 5% back with Lava merchant partners
- 3% back in BTC for US users on regular spend
- 1% back in BTC for non-US users on regular spend
Lava Card supports both virtual and physical cards and is listed as globally available with 179 supported countries. Our database shows 0% FX, 0% ATM, and no annual fees reported. A separate cashback-limit field is not disclosed.
EtherFi Cash
EtherFi Cash offers a simpler cashback structure than most cards here: 3% base cashback, 3% max cashback, and rewards paid in USDC in our database.
The cap depends on membership tier:
- Core: 3% on first $2,000
- Luxe: 3% on first $10,000
- Pinnacle: 3% on first $50,000
Our data also notes that the rate steps down 3% → 1% → 0.5% based on monthly spend, and that ATM withdrawals do not earn cashback. EtherFi Cash supports both virtual and physical cards and is marked as globally available with 175 supported countries. Listed fees are 1% FX and 2% ATM. Monthly fee data is not specified in the summary.
Coinbase Card
Coinbase Card pays rewards in BTC in our database, with 2% base cashback and 4% max cashback. The reward structure is tiered:
- Tier 1: 2.0%
- Tier 2: 2.5%
- Tier 3: 3.0%
- Tier 4: 4.0%
A key restriction is that crypto rewards are available only to US card users, and users are told to check the app for the most updated rate. Coinbase Card supports both virtual and physical cards. Our database lists 31 supported countries, but not global availability. Listed FX and ATM fees are 0% and 0%.
Plasma One
Plasma One is the only invite-only card in this ranking. It offers 2% base cashback and 4% max cashback, with rewards paid in XPL, the Plasma native token.
The tier structure in our data is:
- Lite: 2% cashback, max $250/month
- Core: 3% base cashback + 5% AI cashback
- Platinum: 4% cashback + 10% AI cashback, max $1,000/month
Plasma One supports both virtual and physical cards and is marked as globally available with 165 supported countries. Fees listed are 1% FX and no ATM fee confirmed in the summary field. Pricing is 0% for Plasma Lite, $120/year for Plasma Core or staking 20,000 XPL, and 150,000 XPL staking for Plasma Platinum. Excluded categories include ATM withdrawals, P2P transfers, FX transactions, tax payments, gift cards, money orders, gambling, crypto transactions, wire transfers, balance transfers, and cash advances.
Stablecoin rewards vs BTC or token rewards
For users comparing crypto cards with cashback, reward currency is a major difference.
| Card | Reward type | Reward currency | Notes |
|---|---|---|---|
| COCA | Stablecoin | USDC | Tiered |
| Tria | Stablecoin | USDC | Staking optional |
| EtherFi Cash | Stablecoin | USDC | Spend thresholds |
| Lava Card | Crypto | BTC | Region-based rate |
| Coinbase Card | Crypto | BTC | US rewards only |
| Bitget Wallet Card | Native token | BGB | APAC condition |
| Wirex | Native token | WXT | Lockup condition |
| Plasma One | Native token | XPL | Invite only |
Fees and limits that can reduce reward value
Reward rate should always be checked together with fees and caps.
| Card | Key fee note | Limit note | Main condition |
|---|---|---|---|
| Bitget Wallet Card | 1% FX, 2% ATM | $5 to $800/mo | VIP-based |
| COCA | 0% FX, 0% ATM | Tier thresholds | Membership tier |
| Wirex | Paid upper tiers | Needs confirmation | WXT lock |
| Tria | Annual fees + 3% ATM | No monthly cap disclosed | Optional staking |
| Lava Card | No annual fee reported | Needs confirmation | Merchant partner uplift |
| EtherFi Cash | 1% FX, 2% ATM | $2k to $50k tier thresholds | Membership required |
| Coinbase Card | 0% FX, 0% ATM | Variable in app | US rewards only |
| Plasma One | 1% FX | $250 to $1,000/mo | Invite only / tiered |
Availability by country
This article is global in scope, but availability still varies a lot by card.
| Card | Supported countries | Global availability |
|---|---|---|
| Bitget Wallet Card | 144 | Yes |
| COCA | 67 | No |
| Wirex | 70 | No |
| Tria | 170 | Yes |
| Lava Card | 179 | Yes |
| EtherFi Cash | 175 | Yes |
| Coinbase Card | 31 | No |
| Plasma One | 165 | Yes |
All shortlisted cards support both virtual and physical card formats in our data.
Which crypto card rewards setup stands out by use case
This is not a best-for-everyone ranking. Different cards stand out for different reasons:
- Highest published cashback in our data: Bitget Wallet Card
- Highest max stablecoin cashback: COCA
- Higher max USDC cashback with no monthly cap disclosed: Tria
- Flat 3% USDC cashback structure: EtherFi Cash
- BTC rewards with strong country coverage: Lava Card
- US-focused BTC rewards: Coinbase Card
- Invite-only option with token-based rewards: Plasma One
Final take
The best crypto card cashback offer depends on more than the biggest headline rate. In our data, the key differences are the reward asset, fee structure, monthly thresholds, and country coverage.
For users who want stablecoin-denominated rewards, COCA, Tria, and EtherFi Cash stand out. For BTC rewards, Lava Card and Coinbase Card are the main options in this list. For users comparing purely on published reward percentages, Bitget Wallet Card leads the ranking in our database.
Because card programs, fees, and country support can change, users should always confirm the latest terms before signing up.
