What is a realistic cashback rate on a crypto card?

1-3% at free tiers, 3-5% behind token lockups or paid plans, and anything above that on promotional or very high tiers. The cap matters more than the headline rate.

Are crypto card cashback rewards taxable?

In many jurisdictions, card cashback is treated as a rebate (not taxable income) — but rewards paid in tokens can trigger capital gains when you sell them. Local rules vary.

Why is the advertised cashback rate different from what I get?

Headline rates almost always assume the top tier, a promo period, or uncapped marketing math. Monthly caps, eligible-merchant rules and token lockups decide what you actually earn — check the cap column.

How many high-cashback crypto cards are there?

We currently track 39 crypto cards in this category, re-verified against issuer documentation on a rolling basis.

Crypto Card Best listsBest high-cashback crypto cards

Best list · 39 cards

Best high-cashback crypto cards

Cashback marketing inflates fast: 'up to 10%' usually means a top tier behind a six-figure token lockup, or a promo rate that caps at $20 a month. This list filters to cards paying 3% or more at attainable tiers — and the table shows the cap that actually applies.

Best high-cashback crypto cards

39 cards

39 cards in this category. Filters stay within the list.

Showing global availabilityShowing 12 of 39

MetaMask - Metal Card

7.6/10

1.4k reviews

by Crypto Life (Baanx)48 countries: EEA, UK, Switzerland, LATAM, Canada & Middle East

Metal-tier MetaMask card: 3% mUSD back, 0% FX and higher limits

1%–3% backFull KYCApple / Google

SupportedmUSDUSDCUSDTwETH+3

Issuance: Free
Annual fee: $199/yr
Foreign FX: 0%

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BBMastercard

Bybit - VIP Card

7.2/10

2.2k reviews

by MoorwandEEA, Switzerland, Australia, LATAM & APAC

Custodial Mastercard with up to 10% cashback, 100% subscription rebates and Auto-Savings yield

2%–10% backFull KYCApple / Google

SupportedUSDTUSDCBTCETH+1

Issuance: $5
Annual fee: $0/yr
Foreign FX: 2%

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Bybit - Standard Card

6.4/10

2.2k reviews

by MoorwandEEA, Switzerland, Australia, LATAM & APAC

Custodial Mastercard with up to 10% cashback, 100% subscription rebates and Auto-Savings yield

2%–10% backFull KYCApple / Google

SupportedUSDTUSDCBTCETH+1

Issuance: $5
Annual fee: $0/yr
Foreign FX: 2%

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OKXMastercard

OKX Card

7.9/10

486 reviews

by OKXEEA

Self-custody OKX Wallet card for EEA spenders.

2%–10% backFull KYCApple / Google

SupportedUSDCUSDTETHBTC

Issuance: Free
Annual fee: $0/yr
Foreign FX: 0%

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Plasma One

7.8/10

490 reviews

by Third National Bank150+ countries

Self-custodial global Visa card with 2%–10% cashback, 10% back on AI & flights, and free Claude Pro/ChatGPT Plus

2%–4% backFull KYCApple / Google

SupportedUSDTUSDC

Issuance: Free
Annual fee: $0/yr
Foreign FX: 1%

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ether.fi Cash - Luxe Card

7.7/10

1.9k reviews

by Third National Bank85+ countries (Global)

DeFi restaking Visa credit & spend card with 3%–4% cashback and Claude/ChatGPT MCP integration

3.5%–3% backFull KYCApple / Google

SupportedUSDCETHUSDT

Issuance: Free
Annual fee: $0/yr
Foreign FX: 1%

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COCA Card

7.7/10

710 reviews

by Wirex Partner54 countries (EEA, UK, LATAM, APAC)

MPC non-custodial Visa card with 0% FX fees, $200/mo free ATM and 50% AI & streaming rebates

1%–8% backFull KYCApple / Google

SupportedUSDCUSDTETHBTC+1

Issuance: Free
Annual fee: $0/yr
Foreign FX: 0.6%

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Crypto.com Visa - Icy White Card

7.7/10

4.8k reviews

by Foris DAX Asia100+ countries

The original crypto cashback card, from Ruby Steel to Obsidian.

4.5%–5% backFull KYCApple / Google

SupportedBTCETHUSDTUSDC+2

Issuance: Free
Annual fee: $0/yr
Foreign FX: 0%

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Crypto.com Visa - Obsidian Card

7.7/10

4.8k reviews

by Foris DAX Asia100+ countries

The original crypto cashback card, from Ruby Steel to Obsidian.

5%–6% backFull KYCApple / Google

SupportedBTCETHUSDTUSDC+2

Issuance: Free
Annual fee: $0/yr
Foreign FX: 0%

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Plutus

7.7/10

1.6k reviews

by ModulrUK & EEA

UK & EEA rewards Visa card offering 3%–9% PLU back and 50+ merchant Perks like Netflix, Aldi & Spotify

3%–9% backFull KYCApple / Google

SupportedETHUSDCUSDT

Issuance: Free
Annual fee: $0/yr
Foreign FX: 0%

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ether.fi Cash - Cash Card

7.6/10

1.9k reviews

by Third National Bank85+ countries (Global)

DeFi restaking Visa credit & spend card with 3%–4% cashback and Claude/ChatGPT MCP integration

3% backFull KYCApple / Google

SupportedUSDCETHUSDT

Issuance: Free
Annual fee: $0/yr
Foreign FX: 0%

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SYVisa

SolidYield

7.6/10

280 reviews

by RainEU, LATAM, SEA, Africa

Self-custodial stablecoin money app and Visa card earning DeFi yield plus 3%–5% USDC cashback

3%–5% backFull KYCApple / Google

SupportedUSDCUSDTETH

Issuance: Free
Annual fee: $0/yr
Foreign FX: 1.5%

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27 remaining · all metrics are independently normalised

Top 3 picks

Ranked by our verified score, then fee profile.

Best overall

OKX Card

7.9/10

Self-custody OKX Wallet card for EEA spenders.

Cashback: 2%–10% cashback
FX fee: 0%
Annual: None
KYC: Full KYC
Network: Mastercard
Issuer: OKX

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Plasma One

7.8/10

Self-custodial global Visa card with 2%–10% cashback, 10% back on AI & flights, and free Claude Pro/ChatGPT Plus

Cashback: 2%–4% cashback
FX fee: 1%
Annual: None
KYC: Full KYC
Network: Visa
Issuer: Third National Bank

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ether.fi Cash - Luxe Card

7.7/10

DeFi restaking Visa credit & spend card with 3%–4% cashback and Claude/ChatGPT MCP integration

Cashback: 3.5%–3% cashback
FX fee: 1%
Annual: None
KYC: Full KYC
Network: Visa
Issuer: Third National Bank

Get card Full review

Frequently asked questions

What is a realistic cashback rate on a crypto card?: 1-3% at free tiers, 3-5% behind token lockups or paid plans, and anything above that on promotional or very high tiers. The cap matters more than the headline rate.
Are crypto card cashback rewards taxable?: In many jurisdictions, card cashback is treated as a rebate (not taxable income) — but rewards paid in tokens can trigger capital gains when you sell them. Local rules vary.
Why is the advertised cashback rate different from what I get?: Headline rates almost always assume the top tier, a promo period, or uncapped marketing math. Monthly caps, eligible-merchant rules and token lockups decide what you actually earn — check the cap column.
How many high-cashback crypto cards are there?: We currently track 39 crypto cards in this category, re-verified against issuer documentation on a rolling basis.

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