Gemini is the simplest category-reward credit card to model: 4% on qualifying gas, EV charging and transit up to $300 monthly spend, 3% dining, 2% groceries and 1% other qualifying purchases, with no annual or foreign transaction fee. Fold has a 1.5% uncapped base in bitcoin and can reach 4% only with payment and activity conditions. Coinbase One rewards scale with assets held at Coinbase and require Coinbase One membership. Coinbase Card and Uphold are debit choices, so the selected funding asset and conversion route matter.
Check these screens before applying
Use the official application or app card tab. A marketing page cannot confirm approval, current reward enrollment or the fee on your selected funding route.
US crypto reward card comparison
| Card | Type and eligibility | Reward conditions | Fees and caveats |
|---|---|---|---|
| Coinbase One Card | Credit card for eligible U.S. Coinbase One members, subject to credit approval. First Electronic Bank is identified as issuer and Cardless as servicer in the reward terms. | 2%, 2.5%, 3% or 4% bitcoin back on eligible purchases, based on Assets on Coinbase when the purchase is initiated. | No added annual card fee and no foreign transaction fee, but an eligible annual Coinbase One plan is required; Coinbase lists annual membership starting at $49.99. APR and account fees depend on the offer and card agreement. |
| Coinbase Card | Pathward-issued Visa debit card for U.S. Coinbase customers in all states except Hawaii. | Variable crypto reward offers selected in the Coinbase app. Offers and rates can expire or change. | No Coinbase transaction fee, but spread applies when Coinbase buys, sells or trades crypto. Crypto selected for spending is converted to USD. Check the app and cardholder agreement for current ATM and other fees. |
| Gemini Credit Card | WebBank-issued Mastercard credit card, subject to approval. | 4% on qualifying gas, EV charging and transit for the first $300 of spend each calendar month, then 1%; 3% dining; 2% groceries; 1% other qualifying purchases. Rewards can be selected from bitcoin or 50+ supported crypto assets. | No annual fee and no foreign transaction fee. APR, late-payment and other account terms still apply. |
| Uphold Debit Card | Cross River Bank-issued Visa debit card for U.S. residents except Louisiana, New York and U.S. territories. No credit check. Only USD is transacted on the card even when another Uphold asset funds it. | Essential: 2% XRP up to $120. Elite: 4% XRP on crypto or metals and 3% on fiat or stablecoins, up to $300. Official footnotes say the displayed reward value is available for three months after activation for cards activated on or after January 1, 2026; save the live reward screen. | Essential: $0 annual fee, $4.99 physical card, $2.95 ATM fee and 1.50% foreign transaction fee. Elite: $99.99 annual fee, $0 metal card, $0 Uphold ATM fee and 0% foreign transaction fee; ATM owners may still charge. Apple Pay and Google Pay are supported where available. |
| Fold Bitcoin Credit Card | Celtic Bank-issued Visa credit card, subject to approval. The official page says access is still expanding and offers a waitlist. | 1.5% base bitcoin back on qualifying purchases with no base-reward cap. An extra 0.5% applies when paying the card balance with bitcoin. Up to 2% more can apply on the first $2,000 of monthly spend through qualifying Auto-Stack or Direct to Bitcoin activity, for up to 4% total. Rewards lock for 30 days after posting and the Rewards Account has a $10,000 balance limit. | No annual fee; variable APR and late or returned-payment fees may apply. A Fold account is required and can have separate fees. |
| Fold Debit Card | Separate prepaid debit product issued by Sutton Bank. The public page checked does not provide a sufficiently clear current region list for this comparison. | Do not transfer the Fold Credit Card's 1.5%-to-4% reward claims to the debit card; check the debit plan and active offer separately. | Confirm your address is accepted, then save the plan, funding, reward and fee screen before loading funds. |
Reward math on $1,000 monthly spend
If $300 is qualifying Gemini gas, EV charging or transit, $250 is dining, $250 is groceries and $200 is other qualifying spend, the stated category rates produce $12 + $7.50 + $5 + $2 = $26 in crypto rewards before interest or account charges. Spending more than $300 in the 4% category earns only 1% on that category's excess for the rest of the calendar month.
Fold's 1.5% base would produce $15 on $1,000 of qualifying spend. Reaching $40 requires all applicable 4% conditions and stays subject to the first-$2,000 monthly bonus window. Coinbase One's result ranges from $20 to $40 at the stated 2%-to-4% tiers, but the relevant Assets on Coinbase tier and membership cost must be included. Uphold Essential's 2% would produce $20 until its $120 reward cap, while Elite's practical value depends on whether the purchase is funded by crypto/metals or fiat/stablecoins and whether the introductory reward conditions are still active for the account.
The generic official KuCard URL checked on 2026-07-16 redirected to /kucard/home/eea. The readable terms reached from that route were not sufficient to verify the earlier assumption that this was an Australia product for this U.S.-intent comparison. Do not infer Australia or U.S. eligibility from an old page or search snippet. KuCard remains excluded until the official region-specific application and fee terms are consistently readable together.
Choose by payment model
The card type determines which costs matter most.
Use credit only if approval, APR and full-balance repayment fit your plan.
Subtract membership, annual, conversion, FX and ATM costs from realistic rewards.
Match category, settled amount, crypto credit and every fee after a small purchase.
Save-record checklist
- Application eligibility, state, territory, credit decision and card type.
- Issuer, network, membership or plan, annual fee, APR and foreign transaction fee.
- Reward asset, rate, category, cap, asset-balance tier, introductory period and excluded purchase list.
- Debit funding asset, crypto conversion quote, spread, fiat amount and any taxable disposal record.
- First purchase receipt, posted transaction, category coding, reward credit and monthly statement.
- ATM receipt, card-side fee, operator surcharge and exchange rate when cash access is used.
- Support case and screenshots if the app reward differs from the public offer.
FAQ
Which US crypto reward card has no annual fee?
Gemini lists no annual fee, Fold Credit Card lists no annual fee, Coinbase Card has no monthly fee, and Uphold Essential has no annual fee. Coinbase One Card itself has no added annual card fee, but it requires an eligible annual Coinbase One membership. Interest, membership, conversion, late, returned-payment, ATM or other fees can still apply.
How does Gemini's 4% crypto reward work?
Qualifying gas, EV charging and transit purchases earn 4% on up to $300 of spend each calendar month, then 1% for that category for the rest of the month. Dining earns 3%, groceries 2%, and other qualifying purchases 1%.
What is the difference between Coinbase One Card and Coinbase Card?
Coinbase One Card is a credit card for eligible Coinbase One members, subject to credit approval, with 2% to 4% bitcoin back based on assets on Coinbase. Coinbase Card is a Pathward-issued Visa debit card that spends USD or converts selected crypto, with variable in-app reward offers and spread on crypto conversion.
Is KuCard included as a US crypto reward card?
No. The current generic official URL redirects to an EEA KuCard page, and the readable linked terms are not sufficient to verify the prior Australia assumption from that route. KuCard is excluded from the ranking until region-specific eligibility and terms are consistently readable.
Official sources checked
Checked on 2026-07-16 JST. Credit offers, reward promotions and debit-card fee schedules can change by applicant and account, so use the final application disclosure and live app as the source of truth.