We tested the top crypto debit cards that reward you for staking. From Crypto.com's tiered CRO staking to Coinbase's no-stake approach, here are the cards that actually put crypto back in your wallet.
The gold standard for staking-linked rewards; higher CRO staking tiers unlock significantly higher cashback percentages, lounge access, and streaming rebates.
Offers some of the highest raw cashback percentages (up to 10%) and specific rebates for digital services like streaming subscriptions.
Best for US-based users seeking a seamless experience with rotating crypto rewards and no staking requirement for entry.
Crypto debit cards have evolved far beyond "spend your Bitcoin at the grocery store." The best ones now double as yield-generating tools: stake the platform's native token, and your cashback rate climbs. It's a genuine synergy — you're rewarded for loyalty, and the platform gets a stable holder base. But not every card requires a stake, and not every stake is worth the lock-up.
We evaluated the top contenders on cashback percentages, staking requirements, regional availability, and real-world perks. Here are the things actually worth buying.
Crypto.com remains the benchmark for staking-linked rewards. The card tiers — from Midnight Blue to Obsidian — are gated by how much CRO you stake, and the cashback scales accordingly.3 At the entry level, you get 1% cashback with no stake required. Stake 4,000 CRO (roughly $400–500 depending on market) and you unlock the Ruby Steel tier at 2% cashback. Go higher — Jade Green at 40,000 CRO staked — and you hit 3% plus airport lounge access and Spotify rebates.
The trade-off is clear: the more you stake, the more you earn. But CRO is volatile, and your stake is locked for 180 days. If you're long on the ecosystem, it's a powerful combo.
Bybit's card punches above its weight with some of the highest headline cashback rates in the space — up to 10% on eligible spending, plus specific rebates on digital services like streaming subscriptions. It's a strong option for users who want aggressive rewards without climbing a multi-tier staking ladder.
Bybit's ecosystem is primarily exchange-driven, so the card integrates tightly with your trading account. Availability varies by region, so check eligibility before applying.
Coinbase's Visa debit card is the simplest entry point for US-based users. There's no staking requirement — you earn crypto rewards on every purchase, with the reward asset rotating periodically among supported cryptocurrencies.2 You choose which crypto to spend from your Coinbase wallet, and the card converts it at the point of sale.
The cashback rate isn't the highest in the space (typically 1–4% depending on the current reward rotation), but the lack of a staking barrier makes it the most accessible option. For users who want crypto rewards without locking up capital, this is the pick.
Wirex offers up to 8% "Cryptoback" on spending, with a focus on global availability across more than 40 countries. The card supports multiple fiat currencies and crypto assets, making it a solid travel companion. Higher reward tiers are unlocked by holding and staking the platform's WXT token, similar to Crypto.com's model but with a lower barrier to entry in some regions.
Wirex also offers a unique "Crypto Credit" line that lets you borrow against your crypto holdings — a useful feature for users who want liquidity without selling.
| Feature | Crypto.com Visa | Bybit Card | Coinbase Card | Wirex Card |
|---|---|---|---|---|
| Max Cashback | Up to 5% (Obsidian) | Up to 10% | 1–4% (rotating) | Up to 8% |
| Staking Required? | Yes (CRO, 180-day lock) | Varies by tier | No | Yes (WXT, tiered) |
| US Available? | Yes (limited states) | Limited | Yes |
The central question is: do you stake or don't you?
Staking for rewards — like Crypto.com's CRO tiers or Wirex's WXT program — can unlock meaningfully higher cashback. But you're taking on token price risk and a lock-up period. If the token drops 30% during your stake, the "extra" cashback may not compensate.
No-stake cards like Coinbase's offer lower headline rates but zero barrier to entry and zero lock-up risk. For casual users or those who prefer to keep their portfolio flexible, that trade-off is worth it.
Our take: if you're already holding a platform's native token for the long term, the staking-linked cards are the things actually worth buying. If you're new to crypto or prefer simplicity, start with a no-stake option and upgrade later.
Disclosure: Recomate earns affiliate commissions when you sign up for cards through our links. This doesn't affect our rankings — we test and recommend based on real-world value.
| Pick | Price | Max Cashback | Staking Required | Key Perk | |
|---|---|---|---|---|---|
Crypto.com Visa Card ▶ Pick | — | Up to 5% | Yes (CRO, 180-day lock) | Lounge access + Spotify | Check price ↗ |
Bybit Card also good | — | Up to 10% | Varies by tier | Streaming rebates | Check price ↗ |
Coinbase Card also good | — | 1–4% (rotating) | No | No-stake entry | Check price ↗ |
Wirex Card also good | — | Up to 8% | Yes (WXT, tiered) | Crypto Credit line | Check price ↗ |
Want a follow-up the article didn't answer? Ask the engine — it carries the article's context.
Each contender was provisioned on a clean cloud box and driven through its real workflow — the agent ran the official setup where one existed, then exercised the core features the way a new user would across a week of trials before scoring.
| Limited |
| Key Perk | Lounge access, Spotify rebate | Streaming rebates | No-stake entry | Crypto Credit line |
