Crypto Cards with the Best Cashback
Updated August 2026 · 46 cards
Cashback is the main advantage of crypto cards: every purchase earns you cryptocurrency. But rates vary significantly, from 0.5% to 8%. This ranking compares the best cashback crypto cards available in 2026.
| Critério | #1Bleap Crypto Card | #2Bybit Card | #3WhiteBIT Nóva |
|---|---|---|---|
| Cashback | 20% | 10% | 10% |
| Annual fees | Free | Free | Free |
| Staking req. | Not required | ~€1 | Not required |
| Network | Mastercard | Mastercard | Visa |
| Trust Score | 33.0/10 | 42.0/10 | 60.0/10 |
On the same topic, explore our guides on Cartão Bitcoin 2026: Gastar e Receber Bitcoin. Estimate your earnings with our cashback calculator.
How does cashback work on a crypto card?
Crypto cashback works like a loyalty programme: every purchase earns you a percentage of the amount spent, paid in cryptocurrency. Unlike traditional bank cashback paid in euros, crypto cashback is subject to market volatility. A 3% cashback in CRO during a bearish month may be worth less than 1% in stable USDC. Choose your cashback cryptocurrency based on your investment strategy and risk tolerance.
Staking and cashback: what's the real return on investment?
To unlock the best cashback rates, some cards require staking significant amounts of native tokens. The Crypto.com Obsidian offers 8% cashback but requires 400,000 CRO staked (~€150,000). With €1,000 monthly spending, annual cashback would be €960, not enough to justify locking €150,000. For most users, cards offering 1-3% cashback with no staking requirement are far more profitable in the long run.
Cashback in BTC, ETH or proprietary token: what's the difference?
The cryptocurrency in which your cashback is paid has a direct impact on its future value. BTC or ETH cashback benefits from the historical appreciation of these assets, if Bitcoin rises 50% in a year, your 1% cashback is effectively worth 1.5% in euros. CRO, BIT or NEXO cashback depends on the platform's own token performance, which is more volatile. Nexo lets you choose between BTC and NEXO. Gnosis Pay pays in GNO, MetaMask Card in ETH. Decide which crypto you want to accumulate before choosing your card.
Maximising your cashback: best practices
To maximise your crypto cashback, concentrate your regular spending on a single card to reach any monthly cashback caps. Use your crypto card for recurring subscriptions (streaming, online shopping), purchases that accumulate month after month. Check whether your card offers boosted cashback in specific categories. Keep your cashback rather than selling it immediately, let it appreciate over time if you're bullish on the associated cryptocurrency.
Cashback comparison by card: summary table 2026
Best cashback rates in 2026: Crypto.com Obsidian 8% (400K CRO staked), Crypto.com Jade 3% (50K CRO), Nexo Card 2% (in BTC or NEXO, no staking), Gnosis Pay 2% (in GNO, on-chain), Bitpanda 2% (in BEST), MetaMask Card 1-3% (in ETH, volume-based), Brighty 1.75% (in USDC, no staking), Revolut 1% (in crypto of choice). The most profitable no-staking cards for everyday use remain Nexo and Gnosis Pay. For high spending volumes, Crypto.com cards at 3-8% become competitive despite the staking requirement.
Also worth exploring: best, no-staking, rewards.
Watch out for conditions: an 8% rate may require staking thousands of euros. Calculate the real ROI before committing. For most users, a 1-3% cashback with no staking is more profitable in the long run.