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The Best Crypto Credit Cards for 2022: A Guide to Choosing the Right One

Written By
G. Dautovic
Updated
September 14,2022
Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

Cryptocurrencies are becoming more and more popular, and it's no surprise that people are looking for ways to spend them. One way to do this is by using a crypto credit card.

These cards allow you to spend your cryptocurrencies in the real world, just like regular credit cards do. But with so many crypto credit cards available, it can be difficult to know which one is right for you. 

In this article, we will explain how to choose the best crypto card and provide a list of our top picks. We will also clarify our review methodology so you can make an informed decision and choose the right card for your needs.

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BlockFi Rewards Visa® Signature Card Logo

BlockFi Rewards Visa® Signature Card

5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

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Annual Fee: $0
APR: 17.24%-27.24%
Welcome Bonus: None
Recommended Credit Score: Good to Excellent
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS

The BlockFi Rewards Visa® Signature Card is one of the best cryptocurrency credit card options for people who want to earn rewards on their everyday spending. With no annual fee and a generous rewards program, the BlockFi card is a great way to make the most of your crypto. 

Upgrade Bitcoin Rewards Card Logo

Upgrade Bitcoin Rewards Card

4.5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

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Annual Fee: $0
APR: 14.99% -29.99%
Welcome Bonus: $200
Recommended Credit Score: Good to Excellent
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS

Upgrade is a company that launched in 2017. Since then, Upgrade has been offering multiple products and services to help people stay on top of their finances. These include lines of credit, affordable short-term loans, and cards with great rewards. The Upgrade Bitcoin Rewards Card is one of the company's latest products, and it's a great way to get started with Bitcoin. 

Crypto.com Visa Card Logo

Crypto.com Visa Card

4.5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

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Annual Fee: $0
APR: N/A (as it is a prepaid card)
Welcome Bonus: None
Recommended Credit Score: N/A
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS

The Crypto.com Visa Card is one of the most popular cryptocurrency cards available today. It’s a prepaid card that allows users to spend their cryptocurrency balances anywhere Visa is accepted, which is virtually everywhere. In addition, the card offers a number of features and benefits that make it an attractive option for those looking to use their cryptocurrency in their everyday spending.

Gemini Credit Card Logo

Gemini Credit Card

4.5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

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Annual Fee: $0
APR: 15.24%-26.24%
Welcome Bonus: None
Recommended Credit Score: Good to Excellent
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS

The Gemini Credit Card is a great option for people who are looking for a low-interest crypto credit card. It also has no annual fee, which is quite an advantage. As a cardholder, you'll also get access to a number of perks, including cash back on purchases and free travel insurance.

Coinbase Visa Logo

Coinbase Visa

4 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

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Annual Fee: $0
APR: N/A (it is a prepaid card)
Welcome Bonus: None
Recommended Credit Score: Good to Excellent
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS

One of the most popular cryptocurrency exchanges, Coinbase provides a digital wallet for users to store their coins. The company also offers the Coinbase Visa card, which allows users to spend their cryptocurrencies anywhere Visa is accepted. We decided to take a closer look at the card to see how it works and whether it’s a good option for crypto users.

Wirex Visa Card Logo

Wirex Visa Card

4 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

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Annual Fee: $0
APR: N/A
Welcome Bonus: None
Recommended Credit Score: None
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS

The Wirex Visa card is a great way to begin using your cryptocurrency daily. The card can be used at all the venues that accept Visa, making it a convenient and flexible way to spend your digital coins. Moreover, the card is connected to your Wirex account, so you can easily manage your finances and track your spending.

Venmo Credit Card Logo

Venmo Credit Card

4.5 stars Our Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

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Annual Fee: $0
APR: 11.99%-20.99% plus prime rate
Welcome Bonus: None
Recommended Credit Score: Good to Excellent
KEY FACTS
CREDIT CARD DETAILS
PROS & CONS

If you're looking for the best credit card for cryptocurrency, you might want to consider the Venmo Credit Card. It offers a variety of benefits, including rewards points, cash back, and no annual fees. It also seamlessly syncs with the Venmo app, making it a great choice for those who are already using the popular payment service and wish to manage all their finances in one place.

Evaluation Criteria

Our Methodology for Evaluating Crypto Credit Cards

Nowadays, there are numerous crypto cards available on the market. With so many options to choose from, how can you be sure you're getting the best card that fits your needs perfectly?

Don't worry, we did the legwork on your behalf and compiled a list of the best crypto credit cards. Below are some of the key features we took into consideration when reviewing crypto credit cards.

Annual Fee

The first thing you'll want to consider when choosing a crypto credit card is the annual fee. Some companies charge an annual fee just for having their card, while others only charge this fee if you actually use the card to make purchases.

What you should also consider is whether the card has any foreign transaction fees. If you plan on using your card to make purchases abroad, you'll want to ensure that the card doesn't have any foreign transaction fees.

Interest Rates

When it comes to credit cards, the interest rate is one of the most important factors to take into consideration. After all, you don't want to end up paying more in interest than you have to.

In line with that, the best cryptocurrency credit cards usually have rather competitive interest rates. In fact, some even offer 0% APR for a certain period of time. This can be a great way to save money on interest if you plan on carrying a balance on your card.

Additional Fees

Additional fees that the card may charge should also be kept in mind. For example, some cards charge a balance transfer fee, while others charge a cash advance fee.

It's important to be aware of these fees before you apply for a card so that you're not surprised by them later on. We've checked and outlined all the fees for each of our top picks so that you can easily compare them and find the card that's right for you.

Welcome Bonus

Most cryptocurrency credit cards offer a welcome bonus, which is usually a percentage of the amount you spend in the first few months. This can be a great way to earn rewards, but take the time to read the fine print before signing up to ensure you understand the terms and conditions.

As welcome bonus offers can vary widely, it’s crucial to compare several cards to find the best deal. Some cards may also require you to spend a certain amount of money in order to qualify for the bonus, so make sure you're aware of any spending requirements before signing up.

Quick Breakdown:

The Best Crypto Credit Card Options:

  • BlockFi Rewards Visa® Signature Card - Best for daily rewards

  • Upgrade Bitcoin Rewards Card - Best welcome bonus

  • Crypto.com Visa Card - Best for cashback rewards

  • Gemini Credit Card - Best for US residents

  • Coinbase Visa - Best for international customers

  • Wirex Visa Card - Best reward rate

  • Venmo Credit Card - Best design

How To Find the Right Crypto Credit Card for Yourself

There are a few things to weigh up when choosing the best crypto credit card. Namely, you should think about what type of card you want, what features are important to you, and how much you're willing to spend. 

Below are some of the factors you should keep in mind when choosing a crypto credit card.

Availability

When it comes to choosing a crypto credit card, availability is key. After all, what good is a credit card if you can't actually use it? Unfortunately, many crypto credit cards are only available in select countries.

This can be a major problem for international travelers who may find themselves stranded without a way to access their funds.

Availability is also important as it pertains to merchants. Some crypto credit cards can only be used at a limited number of businesses, which can make it difficult to actually use your card.

That's why it's essential to choose a crypto credit card that is widely available and accepted by most merchants. With a bit of research, you can find the perfect card for your needs.

Security

With the constant increase in online fraud, it's more important than ever to choose a credit card that has robust security features. Specifically, crypto credit cards are a great option for online purchases.

Not only do they offer the same level of protection as traditional credit cards, but they also provide an additional layer of security. 

With a crypto credit card, your information is encrypted, making it virtually impossible for fraudsters to steal your data. In addition, most crypto credit cards come with built-in fraud monitoring tools that can flag suspicious activity.

As a result, you can rest assured that your information is safe when you use a crypto credit card.

Rewards

When choosing a credit card, rewards are an important consideration. For many people, the ability to earn points or cash back on purchases is a key factor in determining which card to use.

If you're looking for a card that offers the best combination of rewards and benefits, crypto-based cards may be the best option for you. 

Crypto credit cards offer rewards in the form of cryptocurrency, which can be used to purchase goods and services or traded on exchanges. In addition, they often offer lower interest rates and fewer fees than traditional credit cards. As a result, you can save money while still earning rewards on your purchases.

App

In the process of selecting a crypto credit card, the app is just as important as the card itself. After all, the app is what you'll use to manage your account, track your spending, and make payments. 

While most crypto credit cards come with a basic app, top crypto credit cards offer more robust features that can make your life easier.

For example, some apps allow you to set up alerts so that you always know when a payment is due. Others let you track your spending in real time, so you can see exactly where your money is going.

Bottom Line

Crypto credit cards are becoming more and more popular as the world becomes more digitized and the cryptocurrency industry continues to grow. If you're looking for a credit card with the best combination of security, rewards, and advanced features, a crypto credit card may be the perfect option for you. 

All the cards on our list offer great features and benefits, so you can't go wrong with any of them. Now it's up to you to weigh all the pros and cons and find a cryptocurrency credit card that fits your needs.

FAQ

How does the crypto credit card work?

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A crypto credit card works just like a traditional credit card. You can use it to make purchases online and in person. However, instead of using fiat currency, you'll use cryptocurrency. When you make a purchase, the merchant will convert your cryptocurrency into fiat currency. 

The same goes for withdrawing cash from an ATM. The funds will be taken from your cryptocurrency balance and converted into fiat currency.

Can I use the Crypto.com card at an ATM?

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The Crypto.com Visa Card is one of the most reputable crypto credit cards, and you can use it at more than 40 million points of sale and online retail shops worldwide. You can also withdraw your funds at any ATM that has a Visa or Visa Plus logo. 

How do I cash out large amounts of crypto?

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There are several ways to cash out large amounts of crypto. One option is to use a crypto credit card to withdraw cash from an ATM or make purchases online and in person. The funds will be taken from your cryptocurrency balance and converted into fiat currency.

Another option is to use a cryptocurrency exchange. With a cryptocurrency exchange, you can sell your crypto for fiat currency. You can then withdraw the funds to your bank account or use them to make purchases online and in person.

Why do I need a crypto card?

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A crypto card can be a helpful tool for managing your cryptocurrency portfolio. With a crypto card, you can easily convert your crypto into fiat currency, which is handy when you want to make a purchase.

In addition, a crypto credit card is valuable when it comes to keeping track of your spending. Every time you make a purchase, the funds are taken from your cryptocurrency balance, which can help you stay mindful of your spending.