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The Gemini Credit Card™
- Regular Purchase APR 15.99% to 26.99% Variable
- Cash Advance APR 28.99% Variable
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- Earn crypto rewards on every purchase with the new Gemini Credit Card™
- Earn rewards in 60+ cryptos on every purchase with the new Gemini Credit Card™
- Watch the crypto you earn land in your Gemini account the instant you swipe, not a month later
- Get up to 3% crypto back* on every purchase with the new Gemini Credit Card™
- A Gemini Mastercard®. Issued by WebBank
- *Terms Apply
- Regular Purchase APR: 15.99% to 26.99% Variable
- Cash Advance APR: 28.99% Variable
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 32.99% Variable
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $35
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Fold Visa® Prepaid Card
- Annual Fee Up to $150
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Visa
- Get access to Fold+ member pricing on Amazon gift cards
- Each purchase activates a spin on the Spin Wheel Sweepstakes
- Enjoy boosted merchant offers
- Get up to 100% back in rewards after your purchases
- Annual Fee: Up to $150
- Foreign Transaction Fee: See Terms
- Over Limit Penalty Fee: See Terms
- Minimum Deposit Required: See Terms
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!BlockFi Rewards Visa® Signature Credit Card
- Regular Purchase APR 15.74% to 25.74% variable based on creditworthiness and the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- Earn 1.5% back in bitcoin on every purchase
- No annual fee and no foreign transaction fees
- Earn 2% back in bitcoin on every purchase over $50,000 of annual spending
- Earn 3.5% back in bitcoin during your first 3 months of card ownership
- Know if you're pre-approved without affecting your credit score
- Regular Purchase APR: 15.74% to 25.74% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $37
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Upgrade Visa® Card with Bitcoin Rewards
- Regular Purchase APR 14.99%-29.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- Earn 1.5% unlimited cash back in bitcoin when you make payments
- The simple way to earn bitcoin: make purchases on your card, make payments, earn bitcoin
- Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
- Get pre-approved in seconds with no impact to your credit score
- Pay with your phone or device by using Apple Pay™ or Google Pay™
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
- *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.
- Regular Purchase APR: 14.99%-29.99% variable based on creditworthiness and the Prime Rate
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Crypto.com Visa Card
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Visa
- Earn rewards paid in CRO token
- Earn rewards towards rebates with selected merchants
- Industry events access
- Five card tiers with increasing rewards per tier
- Priority customer service
- Foreign Transaction Fee: See Terms
- Over Limit Penalty Fee: See Terms
- Minimum Deposit Required: See Terms
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Coinbase Card
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Visa
- Spend any asset in your Coinbase portfolio and earn rewards for each purchase
- Spend crypto everywhere Visa debit cards are accepted
- No annual fee or signup fee
- Phone and email support available whenever you need it
- Foreign Transaction Fee: See Terms
- Over Limit Penalty Fee: See Terms
- Minimum Deposit Required: See Terms
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!First Citizens Cash Rewards Visa®
- Regular Purchase APR 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Annual Fee none
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good , Fair
- Processing Network Visa
- No annual fee
- Earn 1.5% cash back on every $1 you spend
- Unlimited cash back potential
- 0% introductory APR for 12 months on balance transfers made within 90 days from account opening date
- Regular Purchase APR: 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 24.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: none
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $25
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Join today!You've viewed 10 of 7 credit cards
Bitcoin and Crypto Debit and Credit Cards
Cryptocurrency credit cards are one of the hottest trends in the fintech and credit card marketplace. Crypto debit and credit cards are payment cards that allow users to earn rewards (usually in cryptocurrencies like Bitcoin) with eligible purchases. These cards may also allow users to spend their cryptocurrencies like cash, making them a great way to find real-world uses for digital and blockchain currencies like Bitcoin, Litecoin, Ethereum, Dogecoin, etc.
Which Credit Card Issuers Allow Crypto Payments?
Not every credit card payment network or issuer allows crypto transactions on their networks. American Express made changes to its cash advance language in 2020 to include digital currency purchases. While both Visa and Mastercard are making strides towards allowing their customers to use their digital currencies and other digital assets as a form of payment on their payment networks, not every card issuer allows their cards to be used for crypto purchases.
Chase is one example of a major lender that allows cryptocurrency purchases with its credit cards. Chase announced the change to its cash advance rules beginning in April, allowing Chase credit cardholders to purchase Bitcoin, Dogecoin, Ethereum, and other cryptocurrencies – with the additional costs associated with cash advances.
Related Article: Can You Buy Cryptocurrency with a Credit Card?
What Are the Best Crypto Credit and Debit Cards?
Cryptocurrency rewards are one of the hottest trends in credit and debit cards. Cryptocurrencies, like Bitcoin, Litecoin, Ethereum, and countless others offer an excellent way to invest in digital assets.
How Do Crypto and Bitcoin Rewards Work?
One of the most attractive aspects of crypto debit and credit cards is earning rewards in Bitcoin or other cryptocurrencies with every eligible purchase. There are plenty of crypto debit cards, including offers from Crypto.com (the Crypto.com Visa Card), the Fold Card, Coinbase Card, and the BlockCard, amongst others.
The number of crypto credit cards is smaller in comparison, but that looks set to grow in the coming months. The BlockFi Card was the first Bitcoin credit card to be announced, though others are in the works, including the Gemini Mastercard and the Salt Card.
The Best Fintech & Crypto Credit Cards of 2022
Neobank and fintech cards are everywhere nowadays, but which are the best? Here are BestCards’ top fintech credit cards for 2022.
Crypto Prepaid and Debit Card Rewards Structure
Most crypto cards offer tiered rewards programs that provide greater return and rewards with bigger CRO stakes (crypto balances) in the user’s digital wallet on the platform. The Crypto.com Visa Card (a hefty metal card) offers five tiers: Obsidian, Frosted Rose Gold/Icy White, Royal Indigo/ Jade Green, Ruby Steel, and Midnight Blue, for instance. Obsidian is the highest tier, requiring a CRO stake of $400,000 and a CRO rewards rate of 8% back on eligible purchases in Bitcoin.
Crypto Credit Card Rewards Structure
Crypto credit cards operate slightly differently than crypto rewards debit cards. Many Bitcoin and crypto credit cards plan to provide real-time cash back rewards on every purchase, with no CRO stake tiers.
The Gemini Mastercard, for example, plans to offer 3% back on dining, 2% on groceries, 1% on other purchases, with rewards applicable as any cryptocurrency available on the Gemini platform (including Bitcoin).
BlockFi is another upcoming crypto card, offering a similar rewards structure:
- 5% Bitcoin rewards on all purchases.
- $250 in Bitcoin after making $3,000 in purchases with the card within the first three months of opening an account.
- $30 in Bitcoin for every client referral.
- 5% Bitcoin rewards on all purchases from month four through six of card membership. This perk applies to up to $100 in Bitcoin.
- An additional 2% APY on the cardholder’s average daily Stablecoin balance, up to $200.
- 25% Bitcoin rewards on eligible BlockFi trades, up to a maximum of $500 in Bitcoin per month.
Both the BlockFi and Gemini credit cards benefit from real-time rewards, an excellent way for consumers to take advantage of the best rewards rates possible. Cryptocurrency valuations fluctuate significantly, meaning cardholders will want to receive their Bitcoin rewards immediately instead of waiting – which brings the risk of devaluation.
Related Content
Upgrade Launches Bitcoin Rewards Card
Upgrade, Inc. has launched the Upgrade Bitcoin Rewards Visa – the first generally available crypto credit card in the U.S.
Mastercard Tests USDC for Cryptocurrency Payments
Mastercard is testing the suitability of the USDC token for processing cryptocurrency payments. Here is all you need to know.
SALT Announces SALT Crypto Credit Card
The SALT Card will be the world’s first secured crypto credit card. The card offers the chance to build credit with crypto. Learn more: