Bitcoin reward cards
Cards that pay cashback in Bitcoin, credited in sats on every purchase. The rate is fixed; what the reward is worth later moves with BTC's price.
Our pick per use case
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Reward rates are the issuer's published maximum and usually require a campaign or a category. “Our score” orders scored cards by our independent score; cards not yet scored stay in alphabetical order. Each card page shows when its data was last verified — confirm with the issuer before applying.
Bitcoin cards by the numbers
We list 11 cards here: 6 prepaid, 3 debit, 1 credit, 1 hybrid. 7 run on Visa and 5 on Mastercard.
10 of the 11 charge no annual fee, and 9 pay rewards without a staking requirement.
The lowest published FX fee is 0%, from 1inch Card, Gemini Credit Card and Krak and 1 more.
The highest advertised reward is 10% on WhiteBIT Nóva; the median headline rate across the list is 2%, and headline rates usually need a top tier, staking or a category to reach.
None is self-custody, and 10 support Apple Pay.
11 of these cards have had their terms checked against the issuer's own page, most recently on October 9, 2026.
PICK BITCOIN IF
- You want long-term Bitcoin exposure and are comfortable with price risk
- You already hold BTC and want spending rewards to add to that position
- You're fine with rewards taking time to reach a meaningful balance
- You'd rather earn in the asset you already believe in long-term
CHOOSE SOMETHING ELSE IF
- You want a predictable, stable reward value
- You'd rather receive rewards in a stablecoin or cash equivalent
- You plan to spend rewards immediately and don't want price exposure
- You're not comfortable managing a Bitcoin balance, however small
Three things worth understanding
A cashback rate paid in Bitcoin is credited in satoshis on each purchase, then aggregated — you're very rarely earning a meaningful fraction of a full BTC per transaction, especially on everyday spend.
A reward paid in BTC carries the same price exposure as holding BTC directly. The percentage rate is fixed at the point of the transaction; what that reward is worth later depends entirely on price.
Some issuers pay directly into a custodial balance you can withdraw on demand; others route it through a linked exchange account or a staking-style vault with its own terms. Check where the reward settles before assuming instant access.