Crypto Cards for Spending (2026): Rewards, Fees and Custody Compared | HodlCue
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Crypto Cards for Spending

A crypto card converts crypto or stablecoins to fiat at the point of sale, or in the case of self-custody cards pulls from your own wallet. HodlCue lists only cards that are live and operating, flags paused or defunct programs, and marks headline reward rates that collapse once caps and token staking are applied. Read each row on effective rewards after caps, total cost of ownership across FX, ATM, conversion spread and annual fee, custody model, and where the card is actually available. Custodial exchange cards and self-custody cards are compared side by side. Reward figures change often, so verify current terms before applying.

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Crypto.com Visa Card

Crypto.com Visa Card

Spenders who want a crypto rewards card

Crypto card Effective rewards: 1-2% realistic (mid-tiers); 5% ceiling needs $400k CRO staked Reward asset: CRO

The Crypto.com Visa Card lets you earn crypto cashback on purchases and access perks like airport lounge visits. It is a custodial card that requires staking CRO tokens to unlock higher reward tiers.

  • Earn crypto cashback on purchases
  • Access to airport lounges on higher tiers
  • Subscription rebates for Spotify, Netflix, and more
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ether.fi Cash Card

ether.fi Cash Card

Spenders who want a crypto rewards card

Crypto card Effective rewards: 2-3% base cashback; 5-10% realistic for active protocol users (15% ceiling needs full points/restaking stack) Reward asset: Cashback + ether.fi loyalty points / CASH program

The ether.fi Cash Card is a non-custodial crypto card that lets you spend your crypto directly from your wallet without giving up control of your funds. It offers a self-custody approach to everyday spending for users who prioritize security.

  • Non-custodial control of your crypto
  • Direct spending from your wallet
  • Enhanced security and privacy
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Fold Card

Fold Card

Spenders who want a crypto rewards card

Crypto card Effective rewards: 1.5% back in BTC on credit card; +0.5% for paying balance in BTC; up to 4% on first $2k/month spend Reward asset: Bitcoin (sats)

Fold Card is a crypto rewards card that lets you earn Bitcoin back on everyday spending. It is a custodial product designed for users who want to accumulate Bitcoin without actively trading.

  • Earn Bitcoin on everyday spending
  • Simple custodial setup, no private key management
  • Works wherever Visa is accepted
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Gnosis Pay Card

Gnosis Pay Card

Spenders who want a crypto rewards card

Crypto card Effective rewards: 1-5% (interim program 9 Nov 2025 to 30 Jun 2026, then partner-led; not permanent) Reward asset: GNO

Gnosis Pay Card is a non-custodial crypto debit card that lets you spend your crypto directly from your own wallet. It offers a self-custodial alternative to traditional crypto cards, but requires careful setup and understanding.

  • Non-custodial, you control your keys
  • Spend directly from your wallet
  • Part of the larger Gnosis ecosystem
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Holyheld Card

Holyheld Card

Spenders who want a crypto rewards card

Crypto card Effective rewards: Up to 1% cashback Reward asset: USDC

Holyheld Card is a non-custodial crypto card that lets you spend your crypto directly from your own wallet. It's designed for users who want full control over their funds without relying on a third-party custodian.

  • Non-custodial: you control your private keys
  • Direct spending from your own wallet
  • Supports multiple wallets and networks
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Kast Card

Kast Card

Spenders who want a crypto rewards card

Crypto card Custody: Custodial

Kast Card is a custodial crypto card that lets users spend digital assets at millions of merchants. Read on for what it offers, who it suits, and key factors to consider before signing up.

  • Convenient for spending crypto at millions of merchants
  • Simplifies conversion from crypto to fiat
  • Suitable for beginners new to crypto spending
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Category FAQs

How do crypto cards differ from exchange balances?
A crypto card spends by converting crypto or stablecoins at checkout. Some cards pull from an exchange account, while self-custody cards authorize spends directly from wallets you control.
What makes a crypto card reward rate misleading?
Headline cashback often drops once monthly caps, token staking, or tier requirements apply. Compare effective rewards after FX, ATM, and conversion fees instead of the marketing percentage alone.
Are crypto card rewards taxable?
In many countries, rewards may be treated as income and spending can trigger a disposal event. Tax treatment varies, so confirm local rules before relying on a card for daily purchases.
Can I use a crypto card internationally?
Most cards rely on Visa or Mastercard rails, but issuer licensing still limits where accounts can be opened. Check supported countries, KYC requirements, and FX markups before traveling.
What custody risks come with exchange-linked cards?
Exchange-linked cards keep spending balances custodial, so platform solvency and account freezes affect both trading and card access. Self-custody cards reduce that dependency but add wallet-management responsibility.
Do paused or closed card programs stay listed here?
HodlCue flags paused or defunct card programs so readers know a product is not currently accepting new users even if the brand still appears in older marketing.