5 best crypto credit cards in 2022

IntroductionTHIS BLOG INCLUDE:1 Introduction2 5 best crypto credit cards are as follows2.1 Crypto.com Visa Card2.1.0.1 Midnight Blue2.1.0.2 Ruby Steel2.1.0.3 Royal Indigo & Jade Green2.1.0.4 Frosted Rose Gold & Icy White2.1.0.5 Obsidian2.2 Nexo Card2.3 Gemini Credit …


Best crypto credit cards: The world of cryptocurrencies has grown significantly during the last ten years. The use of digital currencies as an alternative payment mechanism has steadily increased. They have even made it into the realm of credit cards, where many now provide incentives in the form of different cryptocurrencies. Best crypto Credit cards for cryptocurrencies operate similarly to regular reward cards. Every card has a different reward structure and selection of digital currencies.

It’s vital to keep in mind the increased risk and volatility that come with earning cryptocurrency instead of making US dollars or an issuer-branded currency, even though some of the rewards rates and other perks may seem alluring initially. Additionally, lawmakers and enforcement bodies are giving institutions that offer crypto products extra-close attention since regulations and tax laws continue to change in this industry.

5 best crypto credit cards are as follows

  1. Crypto.com Visa Card
  2. Nexo Card
  3. Gemini Credit Card
  4. SoFi Credit Card
  5. Coinbase Card

Crypto.com Visa Card

Defi Rate’s opinion

According to Crypto.com, their Visa card is a prepaid card, which means you must fund it before using it. Several options are available, each with distinct rewards and bonuses, and this card works like a debit card.

The Midnight Blue card is the most straightforward choice; it has no further criteria and offers 1% cash back in CRO, the utility token of Crypto.com. You can advance to a higher tier and receive more excellent coin prizes by staking a minimum quantity of CRO.

Current staking requirements and rewards

Midnight Blue

No staking requirement

Crypto rewards of 1%

Ruby Steel

USD 400 CRO staking requirement

Crypto rewards of 2%

Royal Indigo & Jade Green

USD 4,000 CRO staking requirement

Crypto rewards of 3%

Frosted Rose Gold & Icy White

USD 40,000 CRO staking requirement

Crypto rewards of 5%


USD 400,000 CRO staking requirement

Crypto rewards of 8%

When not staking, all Crypto.com card alternatives now yield a reduced payout. However, on all tiers bar the top, impending changes will eliminate the incentives for non-staked accounts.

Staking is a method of helping safeguard transactions on the blockchain and is generally regarded as safe; thus, even if these cards have a staking requirement, it’s not particularly risky. But before committing, there are a few things to think about. As a result, bankruptcy or other occurrences could endanger your staked assets.

Except for New York, all 50 states offer the Crypto.com card.

Nexo Card

Defi Rate’s opinion

The Nexo Card can be worth considering if you’re looking for a card that won’t need you to sell your crypto assets. The Nexo Card doesn’t compel you to utilize or trade your digital assets when you swipe your card, though, which is one of its most noticeable advantages. Instead, because the card is linked to Nexo’s Instant Crypto Credit Lines, all purchases are instantly debited from your available credit line, keeping your portfolio unaffected.

Additionally, when you swipe the card, you’ll receive some sizable bitcoin prizes. Regardless of your loyalty tier, the card offers a special crypto rewards rate of 2% NEXO or 0.5% BTC, which you’ll collect on all purchases or ATM withdrawals. By loyalty tier, the regular rewards rate varies and includes:

Platinum: 2% in NEXO Tokens or 0.5% in BT

Gold: 1% in NEXO Tokens or 0.3% in BT

Silver: 0.7% in NEXO Tokens or 0.2% in BTC

Base: 0.5% in NEXO Tokens or 0.1% in BTC

The Nexo Card has significantly lower APRs than many of its rival cards. Rates begin at 0% APR and never exceed 13.9% APR. Plus, technologies that let cardholders convert to 0% APR purchases in their card accounts give them more control over how much interest they pay.

Maintain a Portfolio Balance of at least $50 for a virtual card.

Maintain a Portfolio Balance of at least $500 and a Gold or Platinum Loyalty tier for an actual card.

Gemini Credit Card

Gemini has a variable rewards scheme that gives the most money back on dining out and shopping, and you typically receive your benefits immediately. A month in the world of cryptocurrency can be very eventful. Therefore it makes sense to offer prizes with a quick turnaround.

The breakdown of Gemini’s crypto awards is as follows:

For the first $6,000 in spending, you can get 3% back on dining-related purchases. You will start receiving 1% back on purchases made with this card after achieving $6,000 in this spending category.

2% back on groceries: Using this card, you can get 2% back more on your supermarket purchases. That can eventually amount to much more when paid in cryptocurrency.

1% back on all other purchases: Some cards have a 1% reward cap, but with Gemini, that is the lowest level. As a result, when you use it, you won’t be using any of the cryptocurrency or money in your account. Your credit balance will be affected by the purchases you make.

In all 50 states, the Gemini cryptocurrency credit card is accessible. There can, however, be a delay before new applications are approved.

SoFi Credit Card

Defi Rate’s opinion

In contrast to certain cards, SoFi pays out points that may be exchanged for cryptocurrency. Since you can control every aspect of your SoFi goods through a single app, the SoFi credit card may appeal to you if you’re a member of the SoFi community.

You can choose from well-known coins like Bitcoin, Ethereum, and Dogecoin. Still, you can also choose from a more extensive range of intriguing blockchain assets, including Cardano, Polkadot, and Solana. SoFi is straightforward when it comes to rewards. With this card, practically anything qualifies for 2% back, with prizes given in points. Redeeming your points comes in a variety of forms, including:



Fractional investment shares

Payment on loan products

If you set up direct deposit, SoFi is now running a campaign that entitles you to 3% yearly rewards. You will continue to earn 2% on qualifying purchases after the offer period has ended.

SoFi Invest, accessible in all 50 states, is where SoFi crypto awards are redeemed. Members of SoFi in New York are subject to some trading limitations.

Coinbase Card

This problem is resolved with the Coinbase debit card, which enables you to spend more than 160 cryptocurrencies just like you would cash. Nearly the same method, since using your cryptocurrency can result in a taxable event. When using your card, Coinbase advises utilizing USD or a stablecoin like USDT to USDC to prevent a chain of events that could result in tax liabilities.

The Coinbase debit card gives you a simple method to access the money you’ve parked at the exchange by enabling you to spend your cryptocurrency using your card. On Coinbase, the opportunities to earn cryptocurrency are time-limited, so your earnings may fluctuate after a deal expires. For instance, the current promotion enables cardholders to receive 2% in Bitcoin back. However, when the agreement expires, that sum can change to 1%.

The Graph and Stellar Lumens incentives, which are at the top end, are 4%, but these deals also expire and will be replaced by new ones soon.

Current offer choices



The Graph

Stellar Lumens


It can be challenging to locate cash-back credit cards that give up to 4% back – without a catch. However, the Coinbase debit card makes it simple to access more enormous crypto-reward profits.

All states besides Hawaii offer the Coinbase debit card.


I have not gained the right to purchase these credit cards, so the information above was carefully researched. The best Crypto credit cards are those listed above because they don’t charge annual fees and let you earn points or cash back. Don’t hesitate any longer and obtain the Best Crypto Credit Cards because cryptocurrency is the new future.


Secure cryptographic credit cards?

Since cryptocurrencies are commonly regarded as high-risk and unpredictable investments, there is no way to predict how much your rewards balance will move over time. Cryptocurrency holding accounts are not FDIC-insured like bank accounts, and some face ongoing legal issues. Since the law governing cryptocurrencies is still developing and not yet established, there is a risk in the unknowable.

Exists a credit card that generates cryptocurrency?

With no annual charge, the Gemini Credit Card offers crypto fans up to 3% cash back on regular purchases. Rewards accrue automatically and can be redeemed in Bitcoin, Ethereum, or any of the other 50+ cryptocurrencies that are available on Gemini.

Is it worthwhile to use a credit card to purchase crypto?

You’re taking a significant risk if you use a credit card to rack up debt to acquire cryptocurrencies. You’ll be making an unstable investment while paying expensive interest. Utilization of credit. Large cryptocurrency transactions deplete your available credit, which is terrible for your credit scores.

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