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Crypto card ranker

Five questions, one shortlist. Region eligibility is weighted first, because a card you cannot get is not a card. Cashback is then discounted by reward risk — a rate paid in the issuer's own token is a subsidy that can be repriced overnight.

Your five questions

Five questions. The ranking weights region eligibility first, then custody preference, then the reward you would actually keep.

Where do you live?
How do you want your money held?
Roughly how much do you spend on the card each month?
Where does most of that spend go?
How do you want rewards paid?

Answer all five to see your ranking.

How the ranking works

  • · Region eligibility dominates: a card unavailable in your region is heavily penalised.
  • · Cashback is risk-adjusted: native-token rewards are discounted 60%, mixed rewards 30%.
  • · Custody preference (self-custodial, custodial, credit line) is matched exactly.
  • · Documented issuer incidents subtract from the score.

See the full table on the crypto cards comparison (15 cards tracked).

Crypto cards, answered

+ Are crypto cards actually crypto?

Almost none of them settle on-chain at the till. The merchant is paid in fiat over Visa or Mastercard; your stablecoins are sold or drawn down behind the scenes. What differs between cards is where the balance sits before that conversion and who is exposed if the issuer fails.

+ Is a self-custodial card safer?

It removes issuer-insolvency risk and adds smart-contract risk, and it does not remove processor risk: the 2026 Gnosis Pay exploit and the processor failures that paused other cards both hit users who held their own keys. Safer is the wrong frame — the risks are different, not smaller.

+ Why do we discount high cashback rates?

A rate paid in the issuer's own token is a variable subsidy, not income. An 8% rate in a token that halves is a 4% rate, and every issuer in this table that pays in its own token has repriced rewards at least once. Rates paid in stablecoins are the only ones we treat as durable.

+ What is the most common way people lose money on these cards?

Conversion fees on funding the card with the wrong asset, and FX spreads abroad. A 2.49% liquidation fee on non-stablecoin funding erases most cashback rates in this table before you have bought anything.

Informational only, not financial advice. Terms, fees and availability change frequently — always verify on the provider's own site before committing funds. Some outbound links may be partner links; they never affect ranking or scoring.