Transforming Everyday Spending with Crypto Cashback Cards
Crypto cashback cards are reshaping how consumers handle their daily expenses. Instead of the traditional rewards of points or air miles, these cards offer returns in digital currencies such as Bitcoin or Ethereum. For users in the United States and the United Kingdom, these cards provide an easy way to convert everyday purchases into long-term investments.
Growing Interest in Crypto-Linked Cards
Finder’s 2025 payments survey reveals that 19% of adults in the UK are contemplating the use of a crypto-linked card, a noticeable increase from 11% in 2022. This trend signifies a broader acceptance of cryptocurrencies as part of regular financial management. If you’re exploring options, here are eight noteworthy cards to consider.
Crypto.com Visa Card: Earning Up to 5% Back
The Crypto.com Visa Card is recognized for its robust rewards program. Premium users can enjoy a cashback rate of 5% in CRO tokens, contingent upon staking a minimum of £3,000 ($4,057). Those in the mid-tier category earn 3% cashback along with benefits such as complimentary Spotify and Netflix subscriptions, while premium members also gain access to airport lounges. For those who spend significantly, the potential returns are substantial; for instance, a monthly expenditure of £1,000 ($1,352) could yield an annual return of £600 ($826) at the 5% rate, compared to just £120 ($162) at a 1% rate.
Nexo Card: Spend Without Liquidating Crypto Assets
The Nexo Card offers a unique advantage by allowing users to borrow against their crypto holdings instead of selling them, which helps maintain their long-term investments. Users can earn up to 2% cashback, provided in either Bitcoin or NEXO tokens. According to a 2024 report from Nexo, global users transacted over £250 million ($320 million) in a single year, making this card an attractive option for investors seeking liquidity without having to liquidate their assets.
Curve Card: Unified Flexibility for Multiple Accounts
The Curve Card consolidates all your cards into one. While the cashback rates are relatively modest at around 1%, the real advantage lies in its flexibility. Its ‘Go Back in Time’ feature allows users to reassign a payment up to 30 days after the transaction, which can be beneficial for budgeting. For example, reallocating a £200 payment from a debit card to a credit card can provide immediate cash flow relief—a particularly favored feature among UK consumers facing financial pressures.
Uphold Card: Rewarding Loyal Customers in XRP
The Uphold Card offers a 2% cashback in XRP and 1% on other asset types. Uphold claims to support over 200 currencies, including precious metals like gold and silver. A monthly expenditure of £500 ($676) could generate an annual return of £120 ($162) in XRP, presenting a practical method for users to enhance their portfolios through everyday spending.
Gemini Credit Card: Instant Rewards for Diverse Spending
The Gemini Credit Card provides 3% cashback on dining, 2% on groceries, and 1% on other purchases. Rewards are credited instantly and can be earned in over 60 different cryptocurrencies. According to an update from Gemini for 2024, the average cardholder earns approximately £300 ($405) annually. With no annual fee, it stands out as one of the most versatile options for those seeking a variety of rewards.
Wirex Card: Cost Savings for Travelers
The Wirex Card offers up to 2% cashback in WXT tokens and supports transactions in over 50 currencies. By utilizing interbank exchange rates, travelers can potentially save around £150 ($202) annually compared to traditional bank fees. Since its inception in 2014, Wirex has established a solid reputation in the crypto card market.
Coinbase Card: Direct Wallet Spending Made Easy
The Coinbase Card connects seamlessly with the Coinbase wallet, allowing users to spend from over 100 different assets. Cashback can reach up to 4%, depending on the chosen reward token. For newcomers already utilizing Coinbase, this card provides both reliability and user-friendliness, eliminating the need for any transfer processes.
BlockFi Rewards Card: Earning Bitcoin Cashback
The BlockFi Rewards Visa Signature Card offers 1.5% cashback in Bitcoin on all purchases. Despite undergoing organizational changes in 2023, the card remains operational in the United States. A user spending £1,200 ($1,623) monthly could accumulate approximately £216 ($292) annually in Bitcoin, making it a straightforward choice for those focused solely on Bitcoin investments.
Selecting the Ideal Cashback Card for Your Needs
Crypto cashback cards cater to a diverse range of lifestyles. Crypto.com offers the highest reward potential, while Nexo is tailored for individuals wishing to safeguard their long-term investments. Gemini appeals to those who prefer immediate multi-crypto rewards. Frequent travelers might gravitate towards Wirex, whereas BlockFi is ideal for users looking to incrementally build their Bitcoin holdings. Given that UK inflation averaged 6.8% in 2023, according to the Office for National Statistics, transforming everyday expenditures into crypto rewards can serve as a buffer against increasing costs. Evaluate your spending patterns and decide whether you prioritize flexibility, high returns, or simplicity to select a card that aligns with your financial objectives.
