Best crypto cards
The best crypto credit cards
A crypto credit card lets you spend by borrowing against your holdings instead of selling them. That can defer a taxable sale in some countries and keep your upside — at the cost of interest and liquidation risk if prices fall.
Our ranking
- 9.13% back in USDC while your ETH keeps earning. A non-custodial credit card with no annual fee. Cashback: 3% to tier cap. FX: 0% USD/EUR · 1% other.
- 7.6Borrow against your crypto instead of selling it. The value is the credit line, not the cashback. Cashback: 0.5–2% in credit mode. FX: 0% to limits.
How crypto credit cards work
Instead of selling crypto at the till, the card lends you stablecoins against your holdings. You keep your BTC or ETH and its upside, and repay the loan later. In some countries that avoids triggering a taxable sale at the moment of purchase — check your local rules.
The risks to understand first
Borrowing costs interest, usually a variable rate tied to on-chain lending markets. If the value of your collateral falls far enough, part of it can be sold automatically to repay the loan — liquidation. Keep your borrowing well below the limit, and treat the credit line as a convenience, not free money.
ether.fi Cash vs Nexo in one line
ether.fi keeps your collateral in your own vault and pays real cashback; Nexo is a custodial lender whose cashback needs NEXO tokens. Read the full ether.fi vs Nexo comparison.
How we ranked them
Scores combine net rewards after fees, custody and licensing, and the fine print in each issuer’s legal terms. Read the full methodology, or use the calculator to rank these cards for your own spending and country.