What Cryptocurrency Credit Cards Have Rewards?
Crypto rewards credit cards are gaining attention—but are they really worth it? Below we break down which cards offer crypto-based rewards, how they work, their pros & cons, and whether they make sense for different types of users.
Which Cards Offer Crypto Rewards?
At present, several issuers and platforms have launched or announced credit cards with cryptocurrency rewards features. These include:
- SoFi
- Brix
- BlockFi
- Gemini
- Unifimoney
- Coinbase
These cards may operate differently: some pay rewards directly in crypto (Bitcoin, Ethereum, etc.), while others give points redeemable into crypto or fiat.
Advantages of Crypto Rewards Cards
- Easy crypto exposure: Get into the crypto market passively through everyday spending.
- Upside potential: Rewards may increase in value if the underlying crypto appreciates.
- Passive investing: Let rewards accumulate without extra effort.
Disadvantages & Risks
- Volatility risk: The crypto rewards’ value may drop, reducing effective yield.
- Liquidity & use limitations: You may need to convert crypto before use, or be restricted to certain coins.
- Fees & markups: Hidden spreads or conversion costs may erode reward value.
- Geographic restrictions: Many crypto rewards cards are only available in select countries or regions.
Should You Get One?
It depends on your goals and risk tolerance. For someone who already believes in crypto’s long-term growth, a crypto rewards card can be a low-effort way to build a position. But if you prefer predictable, stable returns, a traditional cashback or rewards card might be safer.
Conclusion
Cryptocurrency rewards credit cards are an emerging trend—promising, but not without caveats. Evaluate fees, conversion policies, and your ability to ride volatility before choosing a card.
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