The 4 Best Credit Cards That Earn Crypto Rewards [2025]

Since the beginning of credit card rewards, consumers have mostly had 2 primary options, usually either earning cash-back or travel rewards. Now, a new type of rewards card is hitting the market that could shake up the credit card landscape in a big way — enter crypto rewards cards.

While the crypto industry as a whole is still in its infancy, many companies are now jumping at the opportunity to offer crypto rewards through their current products, while other crypto-native companies are building out full-fledged crypto rewards credit card products.

So whether you’re already a crypto-enthusiast, or are simply looking for a way to diversify your credit card rewards strategy, utilizing a crypto rewards card could be a great fit for you. In this guide, we will take a look at some of these new crypto rewards cards and what they have to offer to customers.

The 4 Best Credit Cards That Earn Crypto Rewards — Overview

How Do Crypto Rewards Credit Cards Work?

In many ways, crypto rewards cards function exactly the same as any other rewards credit card. Depending on the credit issuer, you’ll have similar underwriting standards that determine your approval and credit line, based on factors like your income and credit score. Crypto rewards cards also share similar payment processing networks like Visa or Mastercard, so they will be accepted by any merchant that accepts these cards.

For the most part, the biggest difference between crypto rewards cards compared to others is that you earn rewards in a set cryptocurrency, like Bitcoin, instead of cash-back or airline miles. This effectively allows you to invest passively in crypto as you make your day-to-day purchases.

Best Crypto Rewards Credit Cards

Brex Card

Brex Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Brex Card

Welcome Offer

Earn 30,000 points after spending $3,500, or 50,000 points after spending $9,000 in the first 30 days.

30,000 points or 50,000 points

Annual Fee

$0

APR

N/A

Card Highlights

• 30,000 points after spending $3,500, or 50,000 points after spending $9,000 in the first 30 days.
• Brex offers a corporate credit card designed to help companies boost their spending power and grow faster.
• Earn rewards and cash back on everything you spend, like 7x on rideshare and 2x on recurring software, and access exclusive events and over $400K in software discounts.
• Build business credit from day one with a card that’s automatically paid monthly.
• No credit check, no personal guarantee, no account fees, and no interest.
• Save time and money with auto-generated receipts and built-in controls for real-time tracking and reporting.
• Issue unlimited virtual and physical cards to your team, and set custom limits with auto-enforced rules on each card.
• Close the books in record time with Brex integrations: NetSuite, QuickBooks, Workday, WhatsApp, and more | Brex
• Additional Highlights: 24/7 customer support, fraud monitoring and protection, Brex Travel– Issue reimbursements and book global travel on Brex.
• Brex Mastercard^® issued by Emigrant Bank, Member FDIC. Brex Cash provided by Brex Treasury LLC, member FINRA and SIPC. Brex Treasury is not a bank; Brex Cash is not a bank account. Testimonials may not represent experiences of all clients. Terms apply, visit brex.com.

Financial Snapshot

• APR: N/A
• Foreign Transaction Fees: 

Unlike all other cards featured in this guide, the Brex Card is the only small business card currently offering crypto rewards as an option to its customers.

If you’re not already familiar with the Brex Card, it is quite interesting in that it does not require applicants to personally guarantee the debt on the card, and instead of credit score, a business’s creditworthiness is evaluated by factors like its cash balance and spending habits.

Brex customers are able to redeem their rewards as a statement credit, or as crypto rewards through TravelBank at a rate of 0.7 cents per point. As of now, crypto rewards are exclusively limited to Bitcoin or Ethereum.

As far as rewards go, cardholders earn points at the following rates:

• 7x points per $1 on rideshares and taxis
• 4x points per $1 on travel booked through the Brex portal
• 3x points per $1 on restaurants
• 2x points per $1 on recurring software purchases
• 1x point per $1 on all other purchase

Statement credits and crypto rewards aren’t your only options for redemptions, though. Brex Card cardholders can also redeem points on travel purchases through Brex’s travel portal at a rate of 1 cent per point, or through one of the program’s 7 airline transfer partners at a 3:2 rate.

Lastly, the Brex Card charges no annual fee or foreign transaction fees. Plus, cardholders do not need to worry about interest charges, as Brex requires any outstanding balance to be paid in full every 30 days.

Gemini Credit Card

Gemini, one of the largest cryptocurrency exchanges in the U.S. is also launching its very own crypto rewards credit card. The Gemini card also charges no annual fee, but the rewards structure is a bit different.

Cardholders will earn:

• 3% back on dining
• 2% back on groceries
• 1% back on all other purchases

Further, your crypto rewards are not just limited to Bitcoin, but rather can be earned in any of one of the 40+ Gemini-supported crypto assets. The rewards earned from your spending are also received in real-time, allowing you to immediately benefit from any price appreciation.

The card will be available to customers in all 50 states, and will be metal with either a black, silver, or rose gold finish. The Gemini card has an expected launch date of summer 2021, and those interested in the card are currently able to sign up for the waitlist.

Nexo Card

Nexo is a platform that allows you to deposit your digital assets so that you can earn a yield on, or take a loan against, those assets without selling them. Nexo offers its own credit card that allows users to earn 2% back on all of their purchases earned in any of the 15+ Nexo-supported digital assets.

The Nexo card charges no annual fee and comes with some solid features like the ability to freeze and unfreeze your Nexo card with a single tap and create free virtual cards for safe online purchases.

SoFi Unlimited 2% Credit Card

SoFi Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn 2% unlimited cash-back when you redeem it to save, invest, or pay down an eligible SoFi loan --- all without an annual fee.

Apply Now(at SoFi's secure site)

SoFi Credit Card

Earn 2% unlimited cash-back when you redeem it to save, invest, or pay down an eligible SoFi loan --- all without an annual fee.

Annual Fee

$0

APR

20.24% to 29.99% Variable

Why We Like This Card

The information regarding the SoFi card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

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SoFi has quickly become one of the most popular fintech companies. It offers a combination of investing, saving, and loan refinancing on 1 platform.

The company offers a credit card that rewards you with 2% back on all purchases, helping you get even more out of your SoFi account.

Pros & Cons

Pros

• 2% cash-back on all purchases
• 3% cash-back when you purchase travel through SoFi Travel
• $0 annual fee

Cons

• Only useful if you already use the SoFi platform
• Does not offer bonus categories for those looking to optimize their spending on certain purchases

Read Full Review

Card Highlights

• Earn unlimited 2% cash back rewards on all purchases and redeem as statement credit—or toward saving, investing, and paying down eligible SoFi debt*
• Earn 3% cash back rewards on trips booked through SoFi Travel*
• No annual fee†
• No foreign transaction fees
• Cell phone protection (insurance coverage up to $1,000)**
• Mastercard ID Theft Protection™**
• $5 Lyft credit when you take 3 rides per month**
• * See offer details: www.sofi.com/card/rewards
• † See terms and conditions: www.sofi.com/card/terms
• ** Cell Phone Insurance Protection, Mastercard ID Theft Protection(TM), Lyft and Other Partner Rewards have additional terms and conditions, which can all be accessed through the World Elite Mastercard^® Benefits portal. Please see the guide to benefits for details or call 1-800-MASTERCARD.

Financial Snapshot

• APR: 20.24% to 29.99% Variable
• Foreign Transaction Fees: $0

The SoFi credit card is designed to help cardholders save, invest, and pay down debt through one of SoFi’s many account offerings. The no annual fee card earns 3% cash back on SoFi Travel purchases and 2% unlimited cash back on other eligible purchases when redeemed toward investing, saving, or paying down an eligible loan with SoFi.

From there you can redeem those points at a rate of 1 cent per point as cash towards your SoFi Money account, towards paying down your SoFi loan balance, or towards your SoFi Invest account — which allows you to invest in crypto.

However, you should know that when you purchase crypto on SoFi, you’re not purchasing real crypto. What you’re effectively purchasing is an IOU that tracks the value of the cryptocurrency you purchase.

In that vein, your only option for your crypto rewards on SoFi is to buy or sell your current balance into cash. You cannot trade or convert your crypto into another, and you cannot withdraw it off the platform to send to an exchange like Coinbase, or even to put it in cold storage. In our view, this makes SoFi significantly less compelling for those looking to earn crypto rewards.

Final Thoughts

It is exciting to see how from the launch of Bitcoin just 12 years ago, the crypto industry as a whole has blossomed into an entire asset class that is helping to usher in a new age of finance. Whether you like it or not, crypto, and now crypto rewards cards, are here to stay. In fact, depending on the success of these current crypto rewards cards, we could see dozens more launched over the coming years.

Ultimately, this new wave of crypto rewards cards is great for consumers, as the more redemption options we have for our hard-earned points the better!

The information regarding the Nexo Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.