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Bitcoin Credit & Debit Cards

Compare Bitcoin rewards cards side by side. Filter by card type and earn Bitcoin back on every purchase.

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Card↑		Type	Bitcoin Back↑	Annual Fee↑	Rewards	KYC
Bold Virtual Visa Debit CardEst. 2018	—	Debit	0.25 - 10%	$0	New users receive $25 in bitcoin after purchasing $100 or more. Fees that are paid on your first $10,000 in buys are automatically sent to your rewards page. For every new user you refer that signs up and funds their account, you receive $5 worth of bitcoin.	Required
Bold Virtual Visa Debit Card is a debit card earning 0.25 - 10% Bitcoin back on purchases and no annual fee. Full profile
BringinEst. 2023	—	Debit	N/A (spend Bitcoin directly)	€3.49/mo (Pro, annual)	Self-custodial Lightning wallet + euro vIBAN	Required
Bringin is a debit card with Bitcoin rewards on purchases with a €3.49/mo (Pro, annual) annual fee. Full profile
CL CardEst. 2014	—	Debit	1%	$0	Earn 1% cashback in BTC, USDT or 2% in BXX with more crypto cashback to come.	Required
CL Card is a debit card earning 1% Bitcoin back on purchases and no annual fee. Full profile
Coinbase One CardEst. 2012	—	Credit	2 - 4%	$0	Earn up to 4% bitcoin back on every purchase.	Required
Coinbase One Card is a credit card earning 2 - 4% Bitcoin back on purchases and no annual fee. Full profile
Fold Credit CardEst. 2019	—	Credit	2 - 3.5%	$0	2% Bitcoin rewards instantly + up to 1.5% when paid off via Fold Checking.	Required
Fold Credit Card is a credit card earning 2 - 3.5% Bitcoin back on purchases and no annual fee. Full profile
Gemini Credit CardEst. 2014	—	Credit	4%	$0	4% back on gas, EV charging, transit, taxis & rideshare. 3% back on dining. 2% back on groceries. 1% back on everything else.	Required
Gemini Credit Card is a credit card earning 4% Bitcoin back on purchases and no annual fee. Full profile
TF The Fold Card	—	Card	Varies	N/A	Bitcoin back	Required
The Fold Card is a Bitcoin rewards card. Full profile
Venmo Credit CardEst. 2009	—	Credit	3%	$0	3% cash back on your top spend category, 2% on the next, and 1% on all other eligible purchases.	Required
Venmo Credit Card is a credit card earning 3% Bitcoin back on purchases and no annual fee. Full profile

Data as of Aug 25, 2026

Direct answers

Which Bitcoin card has the highest rewards rate?

Several cards offer 1.5% to 2% Bitcoin back on all purchases. The best rate depends on your spending habits, card type (credit vs debit), and whether you want a Bitcoin-only card or a general rewards card that converts cashback to Bitcoin.

What is the difference between a Bitcoin credit card and a Bitcoin debit card?

Bitcoin credit cards extend a credit line and reward spending with Bitcoin back, similar to traditional cashback cards. Bitcoin debit cards draw directly from your account or Bitcoin balance, letting you spend Bitcoin at any merchant that accepts the card network (Visa, Mastercard). Credit cards typically offer higher rewards but require a credit check.

Do Bitcoin rewards cards require KYC?

Most Bitcoin rewards cards from regulated issuers require identity verification (KYC) to comply with financial regulations. A small number of prepaid or custodial debit products offer limited functionality without full KYC.

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Frequently Asked Questions

Common questions about Bitcoin credit and debit cards.

How do Bitcoin rewards cards work?

Bitcoin rewards cards work like traditional cashback credit or debit cards, but instead of earning points or cash, you earn a percentage of each purchase back in Bitcoin. The earned Bitcoin is typically deposited into a linked wallet or account automatically.

Are Bitcoin credit cards safe?

Bitcoin credit cards from established issuers are generally safe, with the same consumer protections as standard credit cards (FDIC insured banks, Visa/Mastercard dispute resolution). Evaluate the custodian holding your earned Bitcoin and review their security practices.

What fees do Bitcoin cards charge?

Common fees include annual fees (ranging from $0 to $500+), foreign transaction fees, and sometimes a fee to convert rewards to Bitcoin. Always compare the annual fee against the expected rewards to ensure the card is cost-effective for your spending.

Can I use a Bitcoin card anywhere?

Cards on the Visa or Mastercard network are accepted at tens of millions of merchants worldwide, anywhere the network is accepted. Bitcoin debit cards that require loading Bitcoin before spending may have fewer merchant integrations.

Is earning Bitcoin back taxable?

In most jurisdictions, credit card rewards (including Bitcoin cashback) are not taxable as income. However, when you later sell or spend the Bitcoin you earned, any appreciation may be subject to capital gains tax. Consult a qualified tax advisor for your specific situation.