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Best Crypto Credit Cards for December 2024

Review Updated
Lyle Daly
Author: Lyle Daly
Lyle Daly
Lyle Daly
Writer

Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. His work with Motley Fool Money and The Motley Fool has appeared syndicated in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.

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Emma Newbery
Fact Checked: Emma Newbery
Emma Newbery
Emma Newbery

Emma lives in Bogota, Colombia, where she owns the English-language newspaper The Bogota Post. She began her editorial career at a financial website in the U.K. over 20 years ago and has been contributing to Motley Fool Money since the summer of 2019.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page.

For crypto enthusiasts, crypto credit cards allow you to earn Bitcoin and other digital currencies on your regular spending. If you're new to cryptocurrency, this type of rewards credit card could help you get started. And if you're already investing, you can use one to add to your crypto wallet.

To help you find the best crypto credit card, our experts have put together a list of the top options.

  • Our team of experts reviewed over 260 credit cards
  • We evaluate all credit cards across the same 4 key criteria: value, welcome experience, fees, and perks
  • Our credit card ratings are never influenced by our advertising partners
  • If we wouldn't recommend an offer to a close family member, we won't recommend it to you

Best crypto credit cards

Ratings Methodology

Venmo Credit Card

Great for: Crypto purchases with your rewards

Read Review
Venmo Credit Card
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% to 29.24%, Variable

Rewards Circle with letter I in it. Earn 3% back on your top spend category, 2% on the next category, and 1% on other purchases

1% - 3% back

Annual Fee

$0

Welcome Offer

N/A

  • Offers an unlimited 2% and 3% rewards in the top two eligible spending categories, has no annual fee, and syncs with the Venmo app for added convenience. Read Full Review

    • No annual fee
    • Custom cash back
    • Earn up to 3% cash back
    • No earnings cap
    • Custom card with QR code
    • No welcome bonus
    • No annual fee
    • Automatically earn up to 3% cash back
    • Earn 2% on the next category
    • Earn 1% on the rest of your purchases
    • Convert rewards to crypto
    • The Venmo Credit Card lets you earn custom cashback rewards and syncs seamlessly with the Venmo app
    • Keep tabs on card activity in the app, right with all your Venmo spending – every purchase, payment, split, and reward

Gemini Credit Card™

Great for: Up to 3% back in crypto rewards

Gemini Credit Card™
Rating image, 3.00 out of 5 stars.
3.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 3.00 out of 5 stars.
3.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

12.99% - 23.99%, variable

Rewards Circle with letter I in it. Earn up to 3% back on dining ($6,000 annual spending cap), 2% on groceries, and 1% on other purchases. Crypto rewards will automatically be deposited into the cardholders’ Gemini account

1% - 3% crypto rewards

Annual Fee

$0

Welcome Offer

N/A

  • Offers a simple way to earn crypto on your purchases, but it won't replace any of the top rewards cards. The rewards rates are low, and crypto rewards are notoriously hard to put to practical use. However, there's no annual card fee or surcharge to turn rewards into crypto, so it may be useful for those who want to dabble in crypto without extra fees.

    • Earns crypto rewards
    • No annual fee
    • No foreign transaction fees
    • No welcome offer
    • Crypto has limitations
    • Waitlist to apply
    • Earn up to 3% back on dining ($6,000 annual spending cap), 2% on groceries, and 1% on other purchases. Crypto rewards will automatically be deposited into the cardholders’ Gemini account
    • Earn crypto rewards out at the time of purchase
    • No annual fee
    • Get a custom-colored card in black, silver, or rose.

Crypto.com Card

Great for: Prepaid card with crypto rewards

Crypto.com Card
Rating image, 3.00 out of 5 stars.
3.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 3.00 out of 5 stars.
3.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

N/A since it's a prepaid card

Rewards Circle with letter I in it. Depends on card tiers: Midnight Blue, 0% back Ruby Steel, 1% back Royal Indigo and Jade Green, 2% back Frosted Rose Gold and Icy White, 3% back Obsidian, 5% back

1% - 5% back

Annual Fee

$0

Welcome Offer

N/A

  • This prepaid debit card has some lucrative perks that are useful for crypto enthusiasts and even those who aren't. But consider that significant funds need to be staked to qualify for the best benefits.

    • Crypto rewards
    • Allows you to spend your crypto
    • No monthly or annual fee
    • Reimbursement with select merchants
    • Airport lounge access
    • Most benefits require staking
    • No sign-up bonus
    • Restrictions on rewards
    • Volatility of crypto

  • At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

    Our highest-rated credit cards have:

    • A rewards rate above 2% (or 2x points or miles) with average spending, or competitive 0% intro APR balance transfer and purchase offers
    • Attainable welcome bonuses that make up for any annual fees
    • Low annual fees or a balance transfer fee of 3%
    • Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades

    We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.

TIP

The right crypto investing mindset

Investing in crypto can be extremely risky. We think investors should approach these assets like any other technological investment — with a long-term mindset and the expectation of ups and downs. The Fool realizes there may be opportunities for investors. We do actively recommend select cryptocurrencies to our community. But we encourage everyone to be well versed prior to investing to understand the potential risks and rewards.

How to choose the best crypto credit card

Choosing the best crypto credit card can be much different than shopping for any other type of credit card. Here are the things to look at to find the right one.

Card issuer

For the most part, crypto credit cards are issued in partnership with platforms that let you buy and sell cryptocurrency. They're also usually only available to that platform's users. For example, if you want the Gemini Credit Card™, a Gemini account will be created if your card application is approved. This is something you wouldn't need to consider with most of the best credit cards.

If you already have an account with any cryptocurrency apps and exchanges, start by checking whether they offer their own credit cards. This is the most convenient option, since you're already a client. However, if you're willing to open accounts with other platforms, it's also a good idea to compare all your card options.

Types of cryptocurrency available

Each crypto credit card has different types of cryptocurrencies you can earn as rewards. Most cards give you at least a few options, but the number varies quite a bit.

If you're flexible about which cryptocurrency you receive, then you can pick any crypto credit card. But if you want to earn a specific cryptocurrency, look for a credit card that offers it.

Rewards rate

The rewards rate is how much a crypto credit card earns on purchases. Some crypto cards earn one flat rate across all purchase categories. Other cards offer higher rates in bonus categories and a lower rate on purchases outside of those bonus categories.

What's most important is to pick a crypto credit card with a good rewards rate. Flat-rate cards tend to work well for just about anyone, but if you have high spending in certain categories, you could benefit more from a bonus category card.

Fees

These can make a big difference in which crypto credit card is the best value. Here are the most common types of fees to look for as you compare credit cards:

  • Annual fee: A yearly fee charged for the card. The majority of crypto cards are no annual fee credit cards, so you can find plenty of options you can get for free. This is a big plus, because when your credit cards aren't costing you money every year, you're less likely to run into a situation where you have too many credit cards.
  • Foreign transaction fee: A fee charged on transactions made in foreign currencies or that are processed through foreign banks. It's good to have a credit card with no foreign transaction fee, and if you're a frequent international traveler, it's practically a must.
  • Cryptocurrency sales fee: Some cards charge a fee when you sell your crypto rewards. While this doesn't necessarily mean you need to rule out those cards, one without this type of fee could be a better deal.

Compare the best credit cards for cryptocurrency

The Picks
Card Rating Great For
Graphic of Venmo Credit Card
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Crypto purchases with your rewards
Gemini Credit Card™
Graphic of Gemini Credit Card™
Rating image, 3.00 out of 5 stars.
3.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Up to 3% back in crypto rewards
Crypto.com Card
Graphic of Crypto.com Card
Rating image, 3.00 out of 5 stars.
3.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Prepaid card with crypto rewards

What is a crypto credit card?

A crypto credit card is one that offers cryptocurrency rewards on your spending. It works similarly to a cash back credit card in that it earns a set rate, such as 1.5%, on purchases you make. The difference is that crypto credit cards can then convert that cash into cryptocurrency for the cardholder.

Here's a basic example of how this would work with a crypto rewards credit card that earns 1.5% back on purchases:

  • You spend $1,000 in purchases during a billing period.
  • That spending would be worth $15 of rewards.
  • The card issuer would use that to buy $15 of a cryptocurrency.

Most crypto credit cards let you choose from different cryptocurrencies, although certain cards only offer one cryptocurrency or a small number of them.

It's worth noting that not all crypto credit cards only offer rewards in cryptocurrency. Some also give you other options, such as cash back. They're still considered crypto credit cards as long as cryptocurrency is one of your reward options.

Pros and cons of crypto credit cards

Here are the main pros and cons of crypto credit cards:

Pros Cons
Earn cryptocurrency through your normal spending Selection of crypto credit cards is limited, so you have fewer card options
Crypto rewards could increase significantly in value Cryptocurrency is volatile and could also plummet in value
Most crypto credit cards don't charge an annual fee Timing of the crypto purchase depends on the card issuer

Crypto credit cards vs. crypto debit cards

Crypto credit cards and crypto debit cards are both popular, and it's easy to get them confused. But just like traditional credit and debit cards, they're two different payment methods.

When you use a crypto credit card, you're borrowing money from the credit card issuer. The card issuer pays for your purchases upfront, and you repay it later. There can be interest charges, but if you pay your card's full balance by the due date, you'll avoid interest on your purchases.

When you use a crypto debit card, you're spending your own funds. A cryptocurrency debit card is normally connected to your account on the card issuer's crypto platform. Transactions are deducted from your cryptocurrency balance. There are also prepaid crypto debit cards that you can load with funds, either in crypto or fiat currency (traditional currency, like the U.S. dollar). Our pick, the Crypto.com Card is a prepaid debit card essentially.

FAQs

  • Crypto credit cards earn rewards on your purchases in cryptocurrency. This type of rewards card earns a percentage back, such as 1.5%, on the cash value of your purchase. That amount is then converted to a cryptocurrency. If you have a card that earns 1.5% back in Bitcoin rewards, then $1,000 in purchases would earn you $15 worth of Bitcoin.

  • Crypto credit card rewards are taxable if you sell them after they've increased in value. Although credit card rewards generally aren't taxable, crypto rewards are different because they can fluctuate in value. You don't need to pay taxes when you receive crypto rewards, but you do if you realize a gain on them -- meaning you sell or use them in any way after their price has gone up.

  • You need a credit score of 670 or higher to qualify for most crypto credit cards. These cards are usually only available to consumers with a credit score in the good credit to excellent credit range. There are, however, some exceptions that you can qualify for even if you have a lower credit score.

  • Cryptocurrency is still a relatively new and unregulated market and there are risks involved -- even with carrying a crypto credit card. If your crypto platform or card issuer fails, you might lose the rewards you've earned. Another risk is that cryptocurrency prices are extremely volatile, so the value of your rewards could fluctuate dramatically.