Best crypto cards
Crypto cards that pay cashback in stablecoins
A 5% reward paid in a token that falls 40% is really a 3% reward. These cards pay cashback in USDC or dollar-pegged stablecoins, so what you earn is what you keep.
Our ranking
- 8.6A MiCA-licensed exchange card paying 2% in USDG with no FX fee, capped at €50 a month unless you trade enough for a VIP tier. Cashback: 2% (cap €50/mo) · 4–10% VIP. FX: 0% · ≤0.1% conversion.
- 8.3MiCA-licensed, self-custodial Mastercard with 0% FX and cashback in USDC. The natural Gnosis Pay replacement. Cashback: 1% (to €3k/mo) · 3% · 20%. FX: 0%.
- 8.1Spend straight from the wallet you already use. 1% back in the mUSD stablecoin on the free card. Cashback: 1% · 3% Metal (paused). FX: 1% abroad · 0.5% non-euro local (free).
- 7.0Rebuilt in 2026 as a self-custodial stablecoin app with no FX markup. Every reward, even the free 0.5%, needs WPAY to redeem. Cashback: 0.5–8%, redeemable only with WPAY. FX: 0% markup.
Why the reward currency matters
Exchange-token cashback looks generous because the token is volatile: a card paying 4% in its own token pays much less once the token falls, and often requires you to stake more of it to keep your tier. Stablecoin cashback removes that risk — 1% in USDC is worth 1%.
The trade-off is that stablecoin cards rarely advertise double-digit rates. Compare them on net value after fees, not on the headline number; our calculator does exactly that.
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.