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2024.12.12 21:07



Discover the Top Cryptocurrency Rewards Cards of 2024 - A Guide to Earning Digital Assets with Every Purchase

Imagine earning cryptocurrency every time you make a purchase—whether it’s paying for groceries, dining out, or buying tech gadgets. Crypto rewards cards allow you to do just that! In 2024, these cards have become a popular way to accumulate digital assets like Bitcoin or Ethereum without the need to buy them directly.

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Instantly* earn crypto back on every swipe with no annual fee
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Best Crypto Rewards Cards in 2024

Gemini Review

Advertiser disclosure: This is sponsored content and we may receive a referral bonus if you apply for the Gemini Credit Card. It does not influence our evaluations or recommendations and our opinions are our own.

The Gemini Credit Card is the only instant* crypto rewards credit card that provides a seamless way for consumers to acquire bitcoin, ethereum, or 50 cryptos back on every transaction.

Cardholders earn 4% back on gas and EV charging**, 3% back on dining, 2% crypto back on groceries, and 1% crypto back on all other purchases, with rewards automatically deposited into their Gemini account.

Additionally, they can change their selected crypto reward as often as they like which allows them to earn a wide variety of cryptocurrencies over the course of each month.

Cardholders will be able to use the Gemini Credit Card anywhere Mastercard is accepted and can choose from among 50+ types of cryptocurrencies currently supported for rewards on Gemini's exchange platform, including bitcoin, ether, dogecoin and other tokens.

Additional features of the Gemini Credit Card include:

No annual fees: The Gemini Credit Card has no annual fee and no foreign transaction fees***. There are no exchange fees to receive crypto rewards****.

Instant access: After approval, customers can instantly access a digital version of their Gemini Credit Card on the Gemini mobile or web application. In addition, consumers can add the card to their mobile wallet and begin making purchases online, in-app, and at the point of sale.

Security-first design: Sensitive information, such as the 16-digit card number, is removed from the physical card and only accessible to cardholders via the Gemini mobile or web application.

Stainless steel: The Gemini Credit Card's sleek, stainless steel card is made from 75% recycled material and is available in three color options including silver, rose gold, and black.

World Mastercard® Benefits: Customers can receive access to exclusive offers with select merchants such as Lyft, Instacart, and ShopRunner, as well as Mastercard's Priceless® Experiences. The Gemini Credit Card will include advanced security features including Mastercard ID Theft Protection™, Zero Liability and Price Protection.

Disclosures:

*Issued by WebBank. Some exclusions apply in which rewards are deposited when the transaction posts. See Rewards Terms.

**4% back is available on up to $200 in spend per month (then 1% on all other Gas at the pump and EV charging purchases that month). Spend cycle will refresh on the 1st of each calendar month.

***See Rates & Fees.

****Fees may be incurred for selling or converting your crypto rewards.

Supported cryptocurrencies

50+

Cashbacks

4% back in crypto on gas purchases, 3% back on dining, 2% on groceries, and 1% on all other transactions

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What Are Crypto Rewards Cards?

Crypto rewards cards are a modern evolution of traditional cashback and rewards credit or debit cards. The key difference? Instead of earning points or fiat money back, you accumulate cryptocurrency with each transaction. This is an ideal option for those who want to passively grow their digital asset holdings without having to directly invest in cryptocurrency.

How do crypto rewards cards work?

Link your card to a wallet : The crypto rewards card can be linked to a cryptocurrency wallet or traditional bank account for funding. Spend like any regular card : You use the card for everyday purchases—groceries, travel, entertainment, and more. Earn cryptocurrency on every purchase : Instead of fiat-based rewards, you receive a percentage of your spending back in cryptocurrency, which is automatically deposited into your wallet.

These cards make it easy to integrate crypto into your everyday life, letting you earn digital assets simply by doing what you already do—spend money.

How to Choose the Right Crypto Rewards Card for You?

Choosing the right crypto rewards card requires understanding a few essential features. These will help you determine which card aligns best with your spending habits and crypto goals.

Crypto Reward Rates

Different cards offer varying reward rates, typically ranging from 1% to 5% back in cryptocurrency for every purchase. It’s crucial to find a card with high rewards for the types of purchases you make most often.

Supported Cryptocurrencies

Some cards offer rewards in only one type of cryptocurrency, while others let you choose from a variety of digital assets. If you have a preference for earning Bitcoin, Ethereum, or other altcoins, make sure the card you pick supports those options.

Fees

Be mindful of fees, as they can reduce the value of your rewards. Common fees to watch out for include:

Transaction fees : Costs per transaction, particularly for foreign transactions. Annual fees : Some crypto rewards cards charge an annual fee, which may be worth it if the rewards you earn outweigh the cost. Withdrawal fees : If you plan to convert crypto into fiat currency, check for any withdrawal fees.

Spending Limits and Rewards Caps

Some cards place caps on how much you can earn in rewards each month or year. Check the fine print to see if there’s a limit on how much crypto you can accumulate.

Security Features

As with any financial product, security is paramount. Look for crypto rewards cards with features like two-factor authentication (2FA), encryption, and fraud protection to ensure your digital assets stay safe.

How Do Crypto Rewards Work?

The mechanics behind crypto rewards are similar to the traditional cashback model but with a digital twist. Whenever you make a purchase using your crypto rewards card, a small percentage of that transaction is credited back to you in the form of cryptocurrency.

What makes crypto rewards unique?

Earning cryptocurrency : Instead of receiving cash or points, you get cryptocurrency like Bitcoin or Ethereum. This can grow in value over time, giving you more potential long-term upside compared to fiat-based rewards. Convert or spend your crypto : Many cards allow you to convert your earned crypto into fiat currency for spending or keep it in your wallet to potentially increase in value. Value appreciation : The cryptocurrency you earn can increase (or decrease) in value depending on market conditions, giving you the chance to benefit from market growth while simply using your card for everyday expenses.

With the volatility of cryptocurrency markets, the rewards you earn today might be worth significantly more in the future. That’s a major appeal for crypto enthusiasts who see these rewards not just as savings but as an investment.

Pros and Cons of Crypto Rewards Cards

While crypto rewards cards can be a powerful tool for earning digital assets, they come with both advantages and drawbacks.

Pros:

Passive cryptocurrency earnings : Every purchase earns you cryptocurrency without the need to actively trade or invest. Wide crypto variety : Some cards allow you to earn and hold multiple types of cryptocurrency, providing diversification. Long-term value potential : If the market rises, your crypto rewards could appreciate, offering more upside than traditional cashback.

Cons:

Volatility of rewards : Cryptocurrencies are known for their price volatility, which means the value of your rewards could fluctuate dramatically. Fees : Some cards charge fees that may offset the value of your rewards if you're not a high spender. Tax implications : In some jurisdictions, cryptocurrency rewards may be taxable, requiring you to report them as income or capital gains.

Understanding these pros and cons will help you make an informed decision about whether a crypto rewards card is right for you.

The Future of Crypto Rewards Cards

As cryptocurrency continues to gain mainstream acceptance, the future of crypto rewards cards looks promising. Here are some trends we expect to see in the coming years:

Increasing Adoption
As more people become comfortable using digital currencies, the demand for crypto rewards cards is likely to grow. This will lead to more options and potentially better reward structures.

Integration with DeFi
Decentralized finance (DeFi) is becoming a major player in the crypto space. In the future, crypto rewards cards may offer integration with DeFi platforms, allowing users to stake their rewards or use them in yield-generating protocols.

Enhanced Security Features
As cyber threats evolve, crypto card providers are expected to roll out more advanced security features to protect users' digital assets, including biometric verification and decentralized ID systems.

Benefits of Using Crypto Rewards Cards

Crypto rewards cards offer a unique blend of convenience and financial growth potential, making them an attractive option for both crypto enthusiasts and everyday consumers.

Potential for Long-Term Growth

Unlike traditional cashback, which is usually a set amount of fiat currency, cryptocurrency rewards have the potential to appreciate over time. If the crypto market rises, your rewards could become significantly more valuable.

Spending Flexibility

Once you've accumulated rewards, you can either hold onto your crypto as an investment or spend it as you would with any other currency, depending on the card’s features.

Earning Crypto Passively

With a crypto rewards card, you earn cryptocurrency simply by making your usual purchases. This makes it an effortless way to build your crypto portfolio without needing to buy digital assets directly from an exchange.

Exposure to Cryptocurrency

For those new to the world of cryptocurrency, rewards cards offer a low-risk entry point into the market. You can start earning and holding digital assets without needing to invest your own money upfront.

FAQ: Best Crypto Rewards Cards in 2024

Can I spend the crypto I earn as rewards?

Yes, most crypto rewards cards allow you to either spend the earned cryptocurrency directly or convert it into fiat currency for everyday purchases.

Are crypto rewards taxable?

In many countries, cryptocurrency rewards are considered taxable income. It’s important to check with a tax advisor about the tax implications of your crypto earnings.

Is there a limit on how much crypto I can earn?

Some cards may have spending limits or caps on the amount of crypto you can earn. Check the card’s terms to ensure that your spending aligns with its reward structure.

How are crypto rewards calculated?

Most crypto rewards cards offer a percentage of your purchases back in cryptocurrency. For example, a card might offer 1% to 5% back in Bitcoin for every dollar spent, depending on the card’s rewards structure.

What Are Crypto Rewards Cards? How to Choose the Right Crypto Rewards Card for You? How Do Crypto Rewards Work? Pros and Cons of Crypto Rewards Cards The Future of Crypto Rewards Cards Benefits of Using Crypto Rewards Cards FAQ: Best Crypto Rewards Cards in 2024

About the Author

B.Chad

Active in technology and gaming since 2006.

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