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CATEGORY · 2 CARDS

Crypto credit cards

Q: Is a crypto credit card the same as a normal credit card?

Mechanically yes — it borrows and bills monthly like any Visa or Mastercard credit product. The difference is entirely in the reward: crypto credit cards pay cashback in a token or coin instead of points or cash back to your statement.

Q: Do I need to stake a token to get the advertised rate?

On most programmes, yes. The headline percentage is usually the top staking tier; the base, no-staking rate is often a fraction of that number. Check the tier table before treating the headline as your real return.

Q: Will applying affect my credit score?

Usually yes, since approval typically runs a credit check in your region. This is one of the clearest trade-offs against prepaid, which skips a credit file entirely.

Q: Can I use a crypto credit card for hotel and car deposits?

Generally better than prepaid, since a real credit line supports the open-ended pre-authorisation holds these merchants require. Always confirm with the issuer for high-value bookings.

Borrow now, settle monthly, earn crypto on every purchase. The trade-off is a credit check and, on most programmes, a staking tier standing between you and the headline rate.

See the 2 cards Is credit right for me?

CATEGORY AT A GLANCE

2

credit cards tracked

2

with no annual fee

10%

highest advertised reward

0%

lowest FX spread

All 2 credit programmes checked weekly

PICK CREDIT IF

✓You want the strongest headline reward rates the market offers

✓You need a card that reliably handles hotel and car-rental deposits

✓You are comfortable staking a native token to unlock the top tier

✓You want to build or maintain a credit history through spending

CHOOSE SOMETHING ELSE IF

!You want to avoid a credit check or a hard credit-file inquiry

!You are not willing to lock up a token to reach the advertised rate

!You want to spend a balance you already hold, not borrow against a limit

!You want a card working within minutes, without a lending approval step

See debit and prepaid cards →

BEST FOR

Our pick per use case

BEST OVERALL

Mastercard

Gemini Credit Card

Highest advertised reward in this category at Up to 10%.

Up to 10%Details →

BEST FOR TRAVEL

Visa

Ether.fi Cash

Lowest FX fee in this category.

0%Details →

BEST NO-FUSS

Mastercard

Gemini Credit Card

No staking requirement and no annual fee.

Up to 10%Details →

ALL CREDIT CARDS

Compare the list

2 of 2 shown · sorted by reward

#
CARD
MAX REWARD
FX FEE
REGION

01

Gemini Credit Card

by Gemini Space Station

Up to 10%

0%

United States only (closed UK & EU in April 2026)

Details Apply

02

Ether.fi Cash

by Ether.Fi Cash Ltd

Up to 3%

0%

United States

Details Apply

Reward rates are the issuer's published maximum and usually require a campaign or a category. Figures re-checked weekly; verify with the issuer before applying.

HOW CREDIT WORKS

Three things worth understanding

01

You borrow now, settle later

A credit card lends you fiat at the point of sale and bills you monthly, same as any traditional credit card. Crypto only enters the picture through the reward, not the spending mechanism.

02

Rewards often need a staking tier

The headline rate on most crypto credit cards is gated behind holding or staking the issuer's native token. Drop below the tier and the rate drops with it.

03

A real credit line changes what works

Because the issuer extends credit, holds for hotels, car rentals and subscriptions behave exactly like any other credit card — this is the category's biggest practical advantage over prepaid.