Top Crypto Rewards Credit Cards in 2025

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1. The Gemini Credit Card® – Up to 3% Back in Crypto

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Rewards: 3% back in crypto on dining (up to a monthly cap), 2% on groceries, 1% on all other purchases. Plus, 4% back on gas and EV charging (up to $300 spend per month)‍. You can choose to earn your rewards in Bitcoin, Ethereum, or any of 50+ cryptocurrencies supported on Gemini. Rewards are deposited instantly into your Gemini exchange account. There’s no annual fee, and as of mid-2025 Gemini offers a sign-up bonus around $200 in crypto for qualifying new cardholders.

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Why it’s notable: Gemini’s card, issued by WebBank, is user-friendly for those new to crypto – Gemini is a regulated U.S. exchange, so holding or converting your rewards is straightforward. The ability to choose from dozens of cryptos for your rewards is a plus (most cards limit you to Bitcoin or a few options). Just watch the caps: the 3% dining and 4% gas categories have monthly limits (after which the rate drops to 1%). Overall, for a crypto believer who spends heavily on dining or gas, this card offers both flexibility and competitive rewards.

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2. Venmo Credit Card – Cash Back to Crypto Option

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Rewards: 3% cash back in your top spending category each month, 2% back in your second-highest category, and 1% on everything else‍. Categories include groceries, dining, travel, bills, etc. The twist: Venmo lets you enable a feature called “Cash Back to Crypto” that automatically uses your cashback to buy crypto (Bitcoin, Ethereum, Litecoin, or Bitcoin Cash) with no transaction fee‍. The card has no annual fee.

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Why it’s notable: The Venmo card isn’t a dedicated crypto card by design – it’s a normal cash-back card with an optional crypto conversion feature. This gives you flexibility. If you turn on the feature, every month your rewards will seamlessly convert into your chosen crypto. If crypto prices are low or you change your mind, you can turn it off and keep rewards as cash. Essentially, it’s a low-effort way to dollar-cost average into crypto using credit card rewards. The downside is you’re limited to four cryptocurrencies on Venmo’s platform, and unlike Gemini’s card, you can’t earn boosted rates in specific categories beyond the rotating 3%/2%. However, its tailored 3% cash-back on your top category can make it quite rewarding for everyday use – with the crypto angle as a bonus.

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3. Crypto.com Visa Card – Tiered Crypto Rewards (Prepaid)

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Rewards: Up to 5% back in cryptocurrency (Cronos coin, CRO), depending on tier‍. No annual fee. This card is technically a prepaid Visa debit card rather than a traditional credit line – you must top it up to spend. Crypto.com offers five tier levels which require staking a certain amount of CRO tokens (from $0 up to $500,000) to unlock higher rewards‍.

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Why it’s notable: The Crypto.com card was one of the early highly-publicized “crypto reward cards” with eye-catching perks (previously even up to 8% back at the very highest tier during crypto’s peak). It also offers perks like Spotify or Netflix rebates on certain tiers. The big caveat is the complexity and commitment: to get strong rewards, you must lock up a significant amount of CRO, exposing you to that coin’s price risk and liquidity limits. This card is best for die-hard crypto enthusiasts who are already invested in the Crypto.com ecosystem. Casual users may find the lower tiers’ rewards (1-2%) underwhelming compared to standard 2% cash-back cards.

4. SoFi Credit Card – Flexible 2% Back (Crypto Option)

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Rewards: 2% unlimited cash back on all purchases (1% when you spend, 1% upon payment) – no annual fee. What makes it relevant here is that SoFi allows you to redeem your rewards into crypto (via SoFi Active Invest) if you choose, in addition to other options like cash, paying down loans, or investing in stocks. So while it’s not a “crypto card” by branding, you can seamlessly convert your 2% cash back into Bitcoin or Ethereum within the SoFi app.

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Why it’s notable: The SoFi card is essentially a flat-rate cash-back card on par with the best general-purpose cards, but it gives you the option to funnel your rewards into crypto. This offers a nice balance – you’re not locked into crypto rewards, but the option is there. For someone who wants a simple, solid everyday credit card with occasional crypto investing on the side, SoFi’s card is a convenient choice.

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Pros and Cons of Crypto Reward Cards

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Like any financial product, crypto credit cards come with upsides and downsides. It’s important to weigh these before jumping in:

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Pros:

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• Invest as You Spend: Every purchase helps build a crypto portfolio without extra effort. Over time, you could accumulate a meaningful amount of Bitcoin or other coins just through normal spending‍. If you’re bullish on crypto’s long-term value, your rewards might grow in worth.

• Hands-Off Crypto Exposure: It’s an easy on-ramp to crypto. You don’t need to sign up on an exchange and manually buy coins – the card handles conversion automatically. And typically, there are no extra fees to acquire crypto through rewards.

• Diversification & Novelty: Crypto rewards offer a novel alternative to traditional points or miles. If you already have plenty of cash-back or travel rewards, earning crypto is a way to diversify the “currency” of your rewards. It can also simply be more exciting for crypto enthusiasts – seeing a little Bitcoin in your account might feel more satisfying than $5 cash back.

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Cons:

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• Volatility Risk: The biggest drawback is the flip side of the upside – crypto is volatile. The value of your rewards can swing wildly with the market. Earn $50 in crypto rewards today and it could drop to $25 next month if prices crashj. There’s no guarantee the coin you earn will hold its value; in a crypto downturn, your hard-earned rewards might shrink dramatically.

• Limited Options: There are far fewer crypto reward cards available than traditional rewards cards. This means you might compromise on card features. You could likely find a higher base rewards rate or better bonus categories with a standard cash-back card.

• Redemption Restrictions: Crypto rewards are, by definition, paid in a specific form. That can mean less flexibility. Want to use your rewards for a flight or statement credit? With crypto, you’d have to sell it first. Some cards only support one crypto (e.g., CRO for Crypto.com’s card) which might not be your preferred asset. Traditional cards let you redeem points in myriad ways; crypto cards effectively lock your rewards into crypto until you convert.

• Tax Complexity: Earning the rewards is not a taxable event. However, if you later sell the cryptocurrency you earned and it has gained value, you’ll owe capital gains tax on the profit. This adds a layer of record-keeping – you need to track the value of the crypto when earned vs. when sold. It’s not a deal-breaker, but it is an extra consideration that pure cash-back rewards don’t have.

• High APR if Carried Balance: This is more of a general credit card caution: if you don’t pay your balance in full, interest charges (often 15–25%+ APR) will quickly outweigh any rewards, crypto or not‍. It’s especially not worth paying interest just to obtain crypto rewards – the math will never work out in your favor if you carry a balance. Treat a crypto card like any other rewards card: great if you can use it responsibly, problematic if it leads to debt.

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Should You Get a Crypto Rewards Card?

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A crypto credit card isn’t for everyone. Here are some pointers to decide if it makes sense for you:

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Your Belief in Crypto

Are you optimistic about the long-term value of cryptocurrencies? If you truly believe a Bitcoin earned today could be worth significantly more down the road, then earning crypto rewards might be very appealing. It’s a “set it and forget it” way to accumulate crypto for the future. On the other hand, if crypto’s ups and downs would make you anxious, you might prefer the certainty of cash-back. Remember, you can always earn cash-back and manually buy crypto with it – that approach gives you more control over what and when you invest‍.

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Card Rewards vs Features

Don’t choose a card solely because it’s crypto. First ensure it’s a solid credit card overall. How do the reward rates compare to non-crypto cards? Are there annual fees, foreign transaction fees, or other benefits that matter to you? Ideally, a crypto card should stand on its own merits. For example, Gemini’s card has competitive rates similar to other no-fee cards. If a crypto card only offers 1% back but you could get 2% elsewhere, think hard about whether the crypto aspect justifies the difference.

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Plan for Your Crypto Rewards

Consider what you’ll do with the crypto you earn. Will you hold it (HODL) for the long term hoping it appreciates? Or will you periodically convert it to cash or spend it? Having a goal (e.g., “I’ll hold rewards for at least 5 years” or “I’ll use crypto rewards to experiment with investing”) can make the card more purposeful. Without a plan, you might accumulate a small amount of crypto and not maximize its potential.

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Backup Strategy

It might be wise to use a crypto rewards card as a complement to, not a replacement for, a traditional rewards card. For instance, you could put dining or tech purchases on your Gemini card to get Bitcoin, but use a 2% cash-back card for bills or other spending. This way you’re diversified – you’ll always have some guaranteed cash rewards alongside your speculative crypto rewards. Using a tool like Kudos can help juggle this multi-card strategy so you don’t have to manually remember which card to use where.

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In short, a crypto rewards credit card can be worth it for those who are financially stable, already pay cards in full, and have an interest in crypto as a long-term play. If you’re just looking for the highest immediate rewards value or simplicity, a standard cash-back card might serve you better.

FAQ: Crypto Rewards Credit Cards

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Do you have to pay taxes on crypto credit card rewards?
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No – you won’t owe taxes at the time you earn crypto rewards from a credit card, similar to how cash-back rewards aren’t taxed. The crypto is considered a rebate, not income. However, if you later sell those crypto rewards for more than their value when received, you’d owe capital gains tax on the profit. Essentially, earning the crypto isn’t taxable, but profiting from it is.

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Can the crypto I earn as rewards lose value?
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Yes. Crypto markets are volatile, so the value of your earned rewards can go down (or up) after you receive them. For example, if you earned $20 in a certain cryptocurrency and its price drops 50%, that $20 of value shrinks to $10. This risk of depreciation is a key consideration – unlike a fixed $20 cash reward, crypto’s value isn’t stable. Always keep the volatility in mind.

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Do I need to already own cryptocurrency to use a crypto rewards card?
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No. Crypto reward credit cards don’t require any crypto upfront. You make purchases in USD, just like any credit card, and earn crypto as a reward currency. You’re not spending your Bitcoin or anything – in fact, these cards are a way to start accumulating crypto from scratch through your normal spending.

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Are crypto rewards credit cards better than cash-back cards?
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Not universally – it depends on your goals. Crypto cards can potentially yield more value if the cryptocurrency you earn increases in price over time (your 1-2% reward could turn into a higher effective return). But they also carry downside risk if crypto prices fall, whereas cash-back is stable. Purely in terms of reward rates, many cash-back cards equal or outperform crypto cards (e.g., 2%+ back with no strings attached). So if you value certainty and simplicity, a cash-back card is “better.” If you’re willing to take a gamble on crypto and find the concept exciting, the crypto card could be worthwhile despite similar base rates.

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What credit cards let you earn cryptocurrency rewards?
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In 2025, there are only a few. The main ones are the Gemini Credit Card (earn Bitcoin or dozens of cryptos), the Venmo Credit Card (cash-back that can auto-convert to crypto), and Crypto.com’s Visa (prepaid, earns CRO coin). Other fintech cards like SoFi allow converting rewards to crypto. Big banks like Chase, Amex, etc., currently do not offer crypto reward cards, so it’s mostly these niche providers. As mentioned, Coinbase has a Bitcoin rewards card coming out later in 2025, which could add another option to the mix. Always check for the latest, as new programs can launch (or old ones can shut down) in the evolving crypto space.

Conclusion

Crypto rewards credit cards bring together the worlds of credit card perks and cryptocurrency investing. For U.S. consumers who are already interested in crypto, these cards offer a novel way to earn digital assets by doing nothing extra – just using your credit card for routine spending. They can be a fun and potentially rewarding tool, especially if crypto values rise over time. However, they’re best suited for those who understand and can tolerate the risks: namely, that your rewards’ value will fluctuate, and that the pool of available crypto cards (and the perks they offer) isn’t as deep as traditional cards.

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If you’re crypto-curious and financially responsible (pay off that statement each month!), a crypto rewards card could be a great addition to your wallet. You’ll accumulate a bit of Bitcoin, Ether, or other coins effortlessly, adding an upside wildcard to the cashback and points you might already be earning elsewhere. And if you decide a crypto card isn’t for you, remember – you can always stick to a high-yield cash-back card and buy crypto manually with your rewards, achieving a similar end with more control. The key is to choose a card (or mix of cards) that matches your comfort level and financial goals.

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In the end, crypto reward cards turn everyday shopping into an investing opportunity. Used wisely, they let you dip a toe into crypto with minimal hassle. Just be sure to keep your expectations realistic, diversify your reward strategies, and enjoy the ride – whether crypto moons or not!