In this article, I’m going to cover the Top Venmo Credit Card Rivals for Crypto Cash Back, their rewards, annual fees, payment networks and key features.
You will learn how these crypto-friendly cards stack up against each other in terms of cashback rates, cryptocurrency options, reward structures, and spending benefits to help you find suitable alternatives to earn cryptocurrency rewards on everyday purchases.
Key Points & Top Venmo Credit Card Rivals for Crypto Cash Back
| Credit Card | Explanation |
|---|---|
| The Gemini Credit Card® | Earns crypto rewards on everyday purchases, including Bitcoin and 50+ cryptocurrencies. |
| Coinbase One Card | Offers up to 4% Bitcoin back, rewarding customers holding assets on Coinbase. |
| Fold Bitcoin Credit Card | Rewards everyday purchases with Bitcoin, offering additional earning opportunities through Fold. |
| Crypto.com Visa Card | Provides crypto cashback rewards through CRO, with benefits depending on membership tiers. |
| Nexo Card | Offers crypto cashback while allowing users to spend or borrow against holdings. |
| MetaMask Card | Enables crypto spending directly from self-custodial wallets, with rewards on eligible purchases. |
| Bybit Card | Converts eligible purchases into crypto rewards, offering benefits through Bybit’s rewards program. |
| Wirex Card | Offers cryptocurrency cashback through Cryptoback rewards on eligible card purchases worldwide. |
| ether.fi Cash | Combines crypto-backed spending with cashback rewards and decentralized finance earning opportunities. |
| Kraken Card | Connects everyday payments with crypto balances, offering convenient cryptocurrency spending options. |
10 Top Venmo Credit Card Rivals for Crypto Cash Back
1. The Gemini Credit Card®
The Gemini Credit Card® is a favorite for those seeking Top Venmo Credit Card Rivals for Crypto Cash Back, especially if they’re interested in earning cryptocurrency rewards and don’t want to pay an annual card fee.
Network: MasterCard Annual Fee: None. Rewards: Cardholders earn 4% back on gas, electric vehicle charging, transit, taxis, and rideshares on up to $300 in purchases per month, then 1%.
You’ll get 3% back on dining, 2% back on groceries and 1% back on other eligible purchases. The rewards are automatically credited to users’ Gemini accounts and can be taken in Bitcoin, Ethereum or any of the 50+ supported cryptocurrencies.
The Gemini Credit Card® Reward Structure
- 4% Crypto Cashback: Earn 4% back on gas, EV charging, transit, taxis, and rideshares, up to $300 monthly spending in that category.
- 3% Dining Rewards: Receive 3% crypto cashback on eligible restaurant and dining purchases.
- 2% Grocery Rewards: Earn 2% back on qualifying grocery store purchases.
- 1% General Purchases: Receive 1% crypto cashback on other eligible everyday purchases.
- Cryptocurrency Selection: Choose Bitcoin, Ethereum, or 50+ supported cryptocurrencies for receiving rewards, with instant reward deposits subject to transaction conditions.
The Gemini Credit Card® (Mastercard) Key Feature
| Key Feature | Explanation |
|---|---|
| Tiered crypto rewards | Higher rewards on gas, EV charging, dining and groceries, with a lower base rate on other spending |
| Instant rewards | Rewards go straight into your Gemini account after each purchase |
| Choice of crypto | You pick which supported crypto you want to earn |
| No annual fee | You pay no yearly fee to hold the card |
| Real credit card | It is a regular credit card, so it builds your credit history and needs a credit check |
2. Coinbase One Card
The Coinbase One Card is another solid option in the Top Venmo Credit Card Rivals for Crypto Cash Back, especially if you often hold cryptocurrency on Coinbase. Exchange: AMEX. Annual Fee $0 for the card but requires a Coinbase One membership starting at $49.99/year.
Earn 2% Rewards Bitcoin back with qualifying Coinbase assets under $10,000, 2.5% with $10,000-$50,000, 3% with $50,000-$200,000 and 4% over $200,000.
The higher reward rates apply to the first $10,000 in eligible monthly purchases. 5% back in bitcoin on eligible travel bookings. The card is US-only for now.
Coinbase One Card Reward Structure
- 2% Bitcoin Rewards: Earn 2% Bitcoin back when your qualifying Coinbase asset balance is below $10,000.
- 2.5% Bitcoin Rewards: Receive 2.5% when holding between $10,000 and $49,999.99 in qualifying Coinbase assets.
- 3% Bitcoin Rewards: Earn 3% when your qualifying Coinbase asset balance reaches $50,000–$199,999.99.
- 4% Bitcoin Rewards: Unlock 4% when holding at least $200,000 in qualifying Coinbase assets.
- Monthly Spending Limit: Higher reward rates apply to the first $10,000 of eligible monthly purchases; additional purchases earn 2% Bitcoin back.
Coinbase One Card (Visa)
| Key Feature | Explanation |
|---|---|
| Bitcoin rewards on all spending | You earn a flat, high percentage back in Bitcoin on everyday purchases |
| Alternative reward coins | You can choose other supported crypto (such as ETH or SOL) instead of Bitcoin |
| Coinbase One membership | You need an active Coinbase One subscription to use the card |
| Coinbase app integration | Spending, rewards and balances are all tracked in the Coinbase app |
| Mobile wallet support | It works with Apple Pay and Google Pay for tap-to-pay |
3. Fold Bitcoin Credit Card
The Fold Bitcoin Credit Card is one of the Top Venmo Credit Card Contenders for Crypto Cash Back that you should check out since it’s all about helping you earn Bitcoin with your normal spending.
Network Visa Annual Fee: None. Rewards: Earn unlimited 1.5% Bitcoin rewards on eligible purchases as a cardholder. Additional rewards are based on their Fold Reserve balance, with rates potentially as high as 5% on qualifying spend.
There are monthly spending limits on the boosted portion. The card also offers a straightforward path to earn Bitcoin without having to buy it separately. It is a revolving credit card not a prepaid spending card and is issued by Celtic Bank.
Fold Bitcoin Credit Card Reward Structure
- 1.5% Base Bitcoin Rewards: Earn unlimited 1.5% Bitcoin cashback on qualifying credit card purchases.
- Reserve-Based Bonuses: Increase rewards through Fold Reserve balances, with additional cashback based on qualifying balance tiers.
- Up to 5% Rewards: Reach up to 5% Bitcoin cashback with a qualifying $100,000 Reserve Balance.
- Monthly Reward Cap: Reserve-based boosted rewards apply to the first $5,000 of qualifying purchases each month.
- Bitcoin Bill-Payment Rewards: Earn Bitcoin rewards on qualifying purchases while receiving rewards denominated in Bitcoin at transaction authorization.
Fold Bitcoin Credit Card (Visa)
| Key Feature | Explanation |
|---|---|
| Bitcoin-only rewards | Rewards are paid in Bitcoin (sats), not cash |
| Fold app | You manage the card, rewards and Bitcoin purchases in one app |
| Gamified rewards | Features like the spin-the-wheel can boost your earnings |
| Membership tiers | Paid Fold tiers can unlock a higher earning rate |
| Bitcoin-focused ecosystem | Partner offers and merchants add extra sats on top of base rewards |
4. Crypto.com Visa Card
Crypto.com Visa Card – One of the Top Venmo Credit Card Competitors for Crypto Cash Back The Crypto.com Visa Card is a great option if you want cryptocurrency rewards and other perks through its Level Up membership program.
Visa network. Annual Fee Level Up membership : Higher tiers may require subscriptions payments or CRO holdings US Visa Signature credit card : $0 Rewards: Depending on the membership tier, customers will earn back between 1.5% and 6% (in Bitcoin or CRO) on eligible purchases.
Bitcoin rewards are capped monthly, with lower rates below that cap. Other platform rewards and lifestyle perks are also included with higher levels of membership. Terms and availability vary by region.
Crypto.com Visa Card Reward Structure
- Basic Tier Rewards: The US Visa Signature Credit Card offers 1.5% Bitcoin or CRO rewards on qualifying purchases.
- Plus Tier Rewards: Earn 3.5% back in CRO or Bitcoin, subject to the applicable monthly spending limits.
- Pro Tier Rewards: Receive higher cashback rates through the Pro membership programme.
- Private Tier Rewards: Higher membership levels offer increased crypto cashback, with rates determined by the selected plan.
- Reward Currency Choice: Eligible US Visa Signature Credit Card users can choose Bitcoin or CRO rewards, with monthly limits applying to Bitcoin rewards.
Crypto.com Visa Card
| Key Feature | Explanation |
|---|---|
| Staking-based tiers | Staking CRO unlocks higher card tiers, from entry level up to premium |
| Cashback | Cashback percentage rises with your tier |
| Subscription rebates | Higher tiers refund part of services like Spotify and Netflix |
| Travel perks | Top tiers can include airport lounge access and similar benefits |
| Spend from your wallet | You spend crypto or fiat from your Crypto.com balance, converted at checkout |
5. Nexo Card
The Nexo Card is a versatile choice among the Top Venmo Credit Card Alternatives for Crypto Cash Back, especially for those who hold cryptocurrency and want flexibility in spending it. Network: Mastercard Annual Fee: $0. No monthly or inactivity fees.
Depending on the region, card issuance and delivery fees may apply. Rewards: Up to 2% cashback in crypto for eligible users, based on loyalty tier and terms of card.
The card supports Debit Mode and Credit Mode, enabling customers to spend available digital currencies or borrow against eligible crypto holdings without needing to sell them. That combination makes Nexo attractive to users who want both crypto-backed liquidity and the convenience of everyday payments.
Nexo Card Reward Structure
- Platinum Tier: Earn 2% cashback in NEXO tokens or 0.5% in Bitcoin on qualifying Credit Mode purchases.
- Gold Tier: Receive 1% in NEXO tokens or 0.3% in Bitcoin.
- Silver Tier: Earn 0.7% in NEXO tokens or 0.2% in Bitcoin.
- Base Tier: Receive 0.5% in NEXO tokens or 0.1% in Bitcoin.
- Portfolio-Based Eligibility: Cashback requires more than $5,000 in digital assets, with reward rates determined by loyalty tier and portfolio composition.
Nexo Card (Mastercard)
| Key Feature | Explanation |
|---|---|
| Dual mode | You can switch between debit and credit mode |
| Spend without selling | Credit mode lets you borrow against your crypto instead of selling it |
| Crypto cashback | You earn cashback in crypto, and holding NEXO can boost the rate |
| No annual fee | You pay no yearly card fee |
| Wide acceptance | It works anywhere Mastercard is accepted, including via mobile wallets |
6. MetaMask Card
Interesting addition to the Top Venmo Credit Card Rivals for Crypto Cash Back, especially if you like keeping digital currency in a self-custodial wallet is the MetaMask Card. Network: Mastercard. Annual Fee: $0 for Virtual card, $199 for Metal card.
Rewards The Virtual card earns 1% cashback in mUSD. The Metal card earns 3% cashback on the first $10,000 of spending, then 1%. Users can spend supported cryptocurrencies and stablecoins via their MetaMask wallet. Other perks include mobile wallet compatibility, select DeFi benefits, and foreign transaction fee benefits with the Metal version. Available regionally.
MetaMask Card Reward Structure
- Virtual Card Rewards: Earn 1% cashback in mUSD on eligible purchases using the Virtual card.
- Metal Card Rewards: Receive 3% mUSD cashback on the first $10,000 of annual spending.
- Additional Spending Rewards: After reaching the Metal card’s $10,000 annual spending threshold, earn 1% cashback.
- Stablecoin Rewards: Cashback is distributed in mUSD rather than Bitcoin or other volatile cryptocurrencies.
- Reward Redemption: Claim accumulated mUSD cashback through your MetaMask Money Account or card dashboard.
MetaMask Card (Mastercard)
| Key Feature | Explanation |
|---|---|
| Self-custodial | Your funds stay in your own wallet until you spend them |
| Stablecoin spending | You pay with supported tokens such as USDC or USDT |
| Onchain-linked | It uses an onchain network (such as Linea) to settle payments |
| Cashback offers | Promotional rewards may be available depending on region |
| Limited regions | It is rolling out country by country, so check availability |
7. Bybit Card
Another contender in the Top Venmo Credit Card Rivals for Crypto Cash Back is the Bybit Card, which allows for crypto-funded purchases and offers rewards through its exchange ecosystem. Network: Mastercard or Visa, based on the card program in the region. Annual Fee: Usually $0, but you may be charged for a physical card or other regional charges.
Rewards: Users get Bybit Rewards Earn points on eligible crypto funded transactions, with cashback potentially up to 10% for the highest qualifying membership levels. Basic users receive lower rewards and have monthly cashback caps. Any purchases made with fiat money after October 2026 will not be eligible for these rewards. Points can be cashed out for cashback, bonuses and other incentives.
Bybit Card Reward Structure
- Base Tier Rewards: Earn 2% cashback through Bybit Rewards Points, subject to monthly reward limits.
- Alpha Tier Rewards: Qualifying users can unlock 4% cashback through higher membership or spending requirements.
- Apex Tier Rewards: Receive 6% cashback with the required VIP status or monthly spending.
- Omega Tier Rewards: Earn 8% cashback through higher qualifying membership or spending thresholds.
- Infinite Tier Rewards: Unlock up to 10% cashback, with rewards capped according to the applicable monthly points allowance.
Bybit Card (Mastercard)
| Key Feature | Explanation |
|---|---|
| Spend from your Bybit account | Crypto is converted to fiat automatically at checkout |
| Cashback rewards | Cashback is paid on purchases, with higher promotional rates for a limited time |
| Virtual and physical cards | You can start with a virtual card and also order a physical one |
| Multi-currency support | It supports many fiat currencies for global spending |
| Not for US residents | It is unavailable in the US and some other regions |
8. Wirex Card
Wirex Card – A solid choice from the Top Venmo Credit Card Alternatives for Crypto Cash Back, this card offers a fusion of conventional payment ease with crypto spending and rewards. Depending on where you are and which card is issued, Visa or Mastercard network. Annual Fee: Wirex One is currently advertized as a membership with no subscription fee, although there may be regional issuance and delivery charges for cards.
Rewards: Eligible purchases will earn between 0.5% and 8% back based on your membership level and qualifying terms. Wirex One’s Cryptoback program deposits rewards in USD and provides WXT rewards. Card can be used for online shopping, in-store purchases, and supported ATM withdrawals.
Wirex Card Reward Structure
- Standard Entry Rewards: Earn 0.5% Cryptoback on qualifying purchases.
- Enhanced Rewards: Higher Standard, Premium, and Elite membership levels provide increased cashback percentages.
- Premium Rewards: Eligible Premium members can earn between 1% and 3% Cryptoback.
- Elite Rewards: Higher Elite membership levels offer 4%, 6%, or 8% Cryptoback.
- WXT Reward Distribution: Cashback is credited in WXT tokens, with monthly and per-transaction reward limits based on membership.
Wirex Card (Visa)
| Key Feature | Explanation |
|---|---|
| Cryptoback rewards | You earn crypto rewards on purchases, paid in its WXT token |
| Multi-currency wallet | You can hold and spend many crypto and fiat currencies |
| Plans | Different plan levels offer different benefits and limits |
| Card options | Virtual and physical cards are both available |
| Good for travel | International spending and FX are a key selling point |
9. ether.fi Cash
ether.fi Cash is one of the Top Venmo Credit Card Competitors for Crypto Cash Back, especially attractive to those looking to blend everyday spending with decentralized finance. Visa network. Annual Fee: N/A (No annual card fee; Membership benefits and physical card issuance charges vary by tier) Rewards: Get ETHFI cashback on qualifying purchases.
Core members earn 3% on the first $2,000 of monthly spending, then lower rates thereafter. Higher tiers have bigger spending thresholds and VIP members can earn 4% on qualifying purchases within their monthly reward band. The card allows you to spend crypto and stablecoins and comes with Visa Signature benefits like select travel privileges.
ether.fi Cash Reward Structure
- Core Tier Rewards: Earn 3% cashback on the first $2,000 of monthly eligible spending.
- Luxe Tier Rewards: Receive 3% cashback on the first $10,000 of monthly eligible purchases.
- Pinnacle Tier Rewards: Earn 3% cashback on the first $50,000 of monthly eligible spending.
- VIP Tier Rewards: Receive 4% cashback on the first $50,000 of eligible monthly purchases.
- ETHFI Reward Distribution: Cashback is credited in ETHFI after a seven-day lock period, subject to claiming and transaction eligibility.
ether.fi Cash (Visa)
| Key Feature | Explanation |
|---|---|
| Self-custodial | You control your funds through your own wallet |
| Spend against collateral | You can borrow against ETH-based assets instead of selling them |
| Stablecoin spending | You can also spend stablecoins directly |
| Cashback | Cashback is paid in tokens, with rates that vary by program |
| DeFi-native | It is built on DeFi infrastructure for users already active onchain |
10. Kraken Card
Rounding out the list of Top Venmo Credit Card Competitors for Crypto Cash Back, is Kraken Card, which provides crypto spending and rewards via the Kraken ecosystem. Network: Mastercard. Annual Fee: $0, with no advertized monthly account fees, foreign exchange fees or standard card transaction fees.
Rewards: Cashback up to 2% on eligible purchases, paid in Bitcoin or local currency. The percentages of the reward depend on the average value of assets held in eligible Kraken and Krak accounts.
Users can spend supported cryptocurrencies or fiat currencies, which are automatically converted when making purchases. The card is free to order and maintain but only available based on the user’s country and eligibility.
Kraken Card Reward Structure
- Starter Tier: Earn 0% cashback when your average 30-day qualifying asset balance is below €200 or £200.
- Lite Tier: Receive 0.5% cashback with an average qualifying balance of at least €200 or £200.
- Pro Tier: Earn 1% cashback when maintaining an average balance of €1,000 or £1,000.
- Elite Tier: Receive 1.5% cashback with an average qualifying balance of €10,000 or £10,000.
- Max Tier: Unlock 2% cashback by maintaining an average qualifying balance of €50,000 or £50,000, with rewards available in Bitcoin or local currency.
Kraken Card
| Key Feature | Explanation |
|---|---|
| Spend from your Kraken balance | Crypto or fiat balances can be used for everyday purchases |
| Rewards | Cashback or rewards may apply, depending on region |
| Kraken app control | You can freeze the card, set limits and view transactions in the app |
| Regulated exchange backing | It comes from an established exchange with security and compliance practices |
| Region-limited | Availability and features differ by country |
Conclusion
To summarize, Picking from the Top Venmo Credit Card Rivals for Crypto Cash Back comes down to your spending habits, favorite cryptocurrencies, and reward expectations. Gemini, Coinbase One, Fold, and Crypto.com cards all offer different cashbacks and benefits.
Compare annual fees, reward rates, spending limits and eligibility requirements before applying to find the right crypto rewards card for your everyday spending.
FAQ
What are the top Venmo Credit Card rivals for crypto cash back?
Gemini, Coinbase One, Fold, Crypto.com, Nexo, MetaMask, and Kraken are popular alternatives offering cryptocurrency rewards.
Which crypto card offers the highest cashback?
Bybit offers up to 10% cashback for eligible users meeting its highest membership requirements.
Which card offers Bitcoin cashback?
Coinbase One, Fold, Gemini, and Kraken provide Bitcoin reward options under qualifying conditions.
Are crypto cashback cards free?
Some charge no annual fee, while others require paid memberships, subscriptions, or qualifying asset holdings.
