Crypto credit cards are no longer a niche thing. From everyday spending to travel rewards, these cards allow users to earn digital assets instead of points and miles.
Among the leaders, Crypto.com, coinbaseand gemini. These three platforms now offer globally accepted credit cards that are directly tied to your crypto balances.
But how do you actually compare? Crypto.com Signature Visa Credit Card Is it still the best option? Coinbase Amex powered card and gemini mastercard Did you catch up?
Let’s take a closer look at what each has to offer, starting with the card that started it all, Visa Signature from Crypto.com.
Main highlights:
- Crypto.com Crypto credit cards like Visa, Coinbase One (Amex), and Gemini Mastercard now offer cryptocurrency rewards on everyday spending with no annual fees or exchange fees.
- Crypto.com’s Signature Visa leads in potential rewards (up to 6% CRO returns), but requires staking or paid subscriptions for the top tier.
- The Coinbase One card offers 2-4% back in Bitcoin with premium Amex perks, but perks are capped and require membership.
- Gemini’s Mastercard offers instant crypto rewards (up to 4%) without staking or subscriptions, making it the easiest option for casual users.
Crypto.com Signature Visa Credit Card: CRO Benefits and Global Reach
Crypto.com offers one of the most famous crypto cards in the world. is executed with visa signature networkThis means you can use it almost anywhere that traditional Visa cards are accepted.
What sets it apart is its CRO-based rewards and tiered benefits system, which can be advantageous for users willing to lock up some of Crypto.com’s native tokens.
Key rewards and structure
of Crypto.com Signature Credit Card Rewards offer 1.5% to 6% returned to CROdepending on the level. The reward is no cap They are paid directly in CRO and can be held, traded, and converted to fiat within the Crypto.com app.
To get a high reward rate, you need one of the following:
- Staking CRO tokensor
- Join the “Level Up” Subscription Program (For those who don’t want to stake).
This flexibility is new. Previously, rewards were only available through staking. The ‘Level Up’ option now allows you to access higher cashback tiers without long-term lock-ups.
Prices and benefits
- Annual fee: $0
- Foreign transaction fees: none
- ATM withdrawal: Free up to monthly limit, depending on level
- Subscription rebates: In the higher tiers, you can get rebates on services like Netflix, Spotify, and Amazon Prime.
- Airport lounge access: Included in the mid to upper tier through LoungeKey.
The reward is unlimiteda huge advantage over many competitors. However, to unlock the full 5-6% back on the Crypto.com credit card, you will need a large CRO investment. Given the volatility of the token market, it may not appeal to all users.
Strong Points:
- High reward potential (up to 6% back to CRO)
- No annual fees or exchange fees
- Additional benefits for upper tiers (streaming rebates, airport lounges)
- Global visa acceptance
Cons:
- Top tier requires CRO staking or subscription
- Remuneration is paid only in CRO
- CRO price fluctuations affect real-world compensation value
overall impression
of Crypto.com Signature Visa remains one of the most accessible crypto credit cards in the world. While its high reward potential remains unparalleled for users who commit to CRO, reliance on a single token increases risk.
However, for long-term Crypto.com users, it’s a strong card with great travel benefits and no recurring fees.
Coinbase One Card: Bitcoin Rewards with Amex Rewards
Coinbase gained a lot of attention in 2024 when it partnered with American Express to launch the first true Amex crypto credit card, the Coinbase One Card. We wanted to combine traditional premium card benefits with Bitcoin-based benefits.
Benefits and membership
of Coinbase One Card Users earn 2% to 4% Bitcoin back on all purchases. Compensation is determined based on your ability Coinbase One Membership Tierscales according to the assets held on Coinbase.
- Base layer: 2% return in BTC
- Top layer: Up to 4% back in BTC (if your holdings are large)
There is Monthly limit $10,000 The reward level is the highest, after which the return drops to 1%.
Fees and costs
- Card annual fee: $0
- Coinbase One Membership: $4.99/month or $49.99/year (required for access)
- Foreign transaction fees: none
- network: american express
Membership also includes: No transaction fees at Coinbase, Priority supportand Scope of account protectionadding value beyond the card itself.
amex benefits
Because it is built on amex networkCoinbase cards also include:
- Car rental and purchase coverage
- Extended warranty and travel insurance
- Amex offers (merchant discounts and cashback promotions)
Strong Points:
- Earn Bitcoin Directly (No Conversion Step)
- Includes premium Amex benefits
- No annual fees or exchange fees
- Strong security and account protection
Cons:
- Coinbase One membership required
- Compensation cap is $10,000 per month
- Amex acceptance is slightly lower outside the US
overall impression
of Coinbase One Card Perfect for Bitcoin believers who value brand trust and traditional Amex perks.
While not as globally flexible as Visa or Mastercard, its clean BTC perks and membership benefits make it the most “mainstream” crypto credit card to date.
Gemini Credit Card: Instant Crypto Rewards with Category Bonuses
The Gemini credit card issued by Mastercard takes a more conventional approach when it comes to cashback. Instead of a fixed fee rate, Category-based bonusesyou can choose how you want to receive your rewards. Solana (default) or Over 50 cryptocurrencies supported It’s Gemini.
Breakdown of compensation
- 4% return Gas, EV charging, and transit fees (up to $300 per month, then 1%)
- 3% return While eating
- 2% return About groceries
- 1% return For all other purchases
The reward is instantdeposited into your Gemini account in real time. You can auto-stake them or exchange them for another cryptocurrency. This simplicity makes Gemini’s card one of the best crypto credit cards on the market.
Prices and benefits
- Annual fee: $0
- Foreign transaction fees: none
- network: mastercard world elite
- Sign up bonus: $200 in cryptocurrency after spending $3,000 in 90 days
- Additional features: 24/7 customer support, merchant-specific promotions, and auto-invest features for rewards.
Strong Points:
- Category-based high rewards
- Rewards are paid instantly in cryptocurrencies
- No staking or membership requirements
- No annual fees or exchange fees
Cons:
- Category cap (4% limited to $300 per month spending)
- 1% is the average base rate for general purchases
- Variability of rewards depending on selected cryptocurrency
overall impression
Gemini cards are simple, fast, and flexible. Perfect for users who want cryptocurrency rewards without staking or subscriptions.
Although its cap limits large spending, the ability to instantly generate and reinvest profits makes it a unique attraction for active crypto users.
direct comparison
Crypto.com Signature Card VS. Coinbase One Card
If you want Bitcoin directly, Coinbase One Card Amex perks pay you 2-4% in BTC, but the highest rate is capped at $10,000 in monthly spend.
of Crypto.com Signature Visa You can earn 5-6% back on CRO without any caps, but higher levels require staking or subscriptions.
That means uncapped CRO rewards and global Visa acceptance, along with BTC rewards plus Amex perks and paid membership.
Crypto.com Signature Card VS. Gemini Credit Card
Gemini’s Mastercard is simpler. Instant crypto rewards, strong category bonuses (up to 4% on gas/EV/transportation, 3% on meals, 2% on groceries), and no staking or memberships.
of Crypto.com Signature Visa May offer higher levels of flat compensation (1.5-6% in CRO) and travel benefits.
So choose Gemini for an easy category boost without commitment, or Crypto.com for higher flat fees if you’re comfortable with CRO exposure.
Which card is good for you?
Each of these cards takes a different approach to cryptocurrency rewards, and the best choice will depend on your habits and risk appetite.
If you already own a CRO
of Crypto.com Signature Visa It’s unbeatable in terms of pure reward potential. Earning up to 6% back without limits is rare, but staking CRO ties your rewards to market performance. Ideal for users who are already long-term CRO holders or want premium travel benefits.
If you want Bitcoin directly
of Coinbase One Card A victory for Bitcoin purists. It’s simple. You can use it anywhere Amex is accepted and earn BTC. Membership adds valuable perks like zero trading fees, but you’ll need to pay enough each month to cover the $4.99 fee.
When you need flexibility without being fussy
of gemini credit card Provides the easiest experience. There are no staking or subscriptions, and you get instant crypto rewards of tens of coins. Perfect for casual crypto users who want to passively earn a small amount of money on their daily purchases.
Who should use crypto credit cards?
Crypto credit cards aren’t for everyone, but they may be best for certain types of users. If you’re already active in cryptocurrencies or want to earn digital assets passively, these cards can turn everyday expenses into portfolio growth. And it takes no extra effort.
For long-term cryptocurrency holders
If you already own tokens like CRO, Bitcoin, or Solana, crypto cards can help you further strengthen what you believe in. Earn more assets with every trade.
For example, Crypto.com users staking CRO can earn up to 6% on the same token, increasing their exposure over time.
For frequent travelers and users around the world
These cards work with the Visa, Mastercard, or Amex networks, so they can be used almost anywhere.
of Crypto.com Signature Visa and gemini mastercard It is especially useful for international travelers as it costs a fee No foreign transaction fees It also includes travel-friendly perks like lounge access and category bonuses for fuel and food.
For people who spend money on a daily basis
If you prefer simplicity, gemini credit card It offers instant crypto rewards with no staking or membership requirements. It’s a low-maintenance way to earn small amounts of cryptocurrency every day without managing token lockups or subscriptions.
Who should avoid them?
Cryptocurrency credit cards may not be suitable for users who dislike market fluctuations. Since rewards are paid in cryptocurrencies, the value of cashback can fluctuate based on the price of the token. Additionally, programs that require staking (such as Crypto.com) pose additional risks. Staked funds are subject to market fluctuations and lock-up conditions.
Crypto credit cards make sense for users who want to passively accumulate cryptocurrencies, those who want to travel abroad, or those who already hold digital assets. However, if you’re looking for stability and predictability, a traditional cashback card may be a better choice.
conclusion
of Crypto.com Signature Visa Credit Card, Coinbase One Cardand gemini credit card These represent three different philosophies of crypto banking. It’s staking-based rewards, direct Bitcoin cashback, and instant and flexible crypto payments.
- Crypto.com Potential benefits lead, but more effort is needed.
- coinbase It combines cryptocurrency with the prestige and powerful protections of Amex.
- gemini Keep it lightweight, simple, and transparent for users around the world.
If you are looking for best long term rewardsuse Crypto.com.
if you want Bitcoin Base Stability and SecurityWe recommend Coinbase One.
if you wish simplicity and freedombrought to you by Gemini.
Whichever you choose, these cards prove that cryptocurrencies are becoming a part of everyday finance. It’s no longer just for hardcore traders and avid investors.
