Best Crypto Cards for Business Users (2026)
High-limit cards with cashback for business expenses and cross-border payments.
Top Cards for Business Users
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1inch Mastercard
Avici Platinum Card
Avici Signature Card
Basic (Midnight Blue)
Binance Mastercard
Bitget Visa Card
Bitpanda Visa Card
BitPay Mastercard
Bleap Mastercard
Bybit Card
Bybit Supreme VIP Card
COCA Visa Card
Coinbase Card
Coinbase One Card (Amex)
ether.fi Cash
ether.fi Luxe Card
ether.fi Pinnacle Card
ether.fi VIP Card
Gemini Credit Card
Gemini Credit Card: Solana Edition
Kraken Card
KuCard Visa Debit
Ledger CL Card
MetaMask Metal Card
MetaMask Virtual Card
Nexo Card
OKX Mastercard Debit
Plus (Ruby Steel)
Plutus Visa Card
Prime
Private (Icy White / Rose Gold)
Private (Obsidian)
Pro (Royal Indigo / Jade Green)
RedotPay Solana Card
Tria Premium Card
Tria Signature Card
Tria Virtual Card
Uphold Mastercard Debit
Wirex Elite Card
Wirex Standard Card
Xplace Gold Club Card
Xplace Platinum Club Card
Xplace Silver Club Card
Curated for Business Users
43 matching cards
Filtered by cashback, no fx fee
Your business already spends $10,000-$20,000 per month on SaaS subscriptions, cloud hosting, travel, contractor invoices, and office supplies. That money currently flows through a bank card that pays you nothing and charges 2-3% on every non-domestic transaction. A crypto card with 5% cashback on the same spending generates $6,000-$12,000 per year in rewards. At 0% FX, the international savings add another $3,000-$6,000. That is a real line item on your P&L.
An important caveat: most crypto cards are issued for personal use. Their terms of service may not explicitly cover commercial spending. In practice, the high monthly limits ($25,000-$100,000+), detailed transaction exports, and instant cross-border functionality make them suitable for business expenses - but check the issuer's terms before routing your entire operating budget through one. Some issuers are actively building dedicated business products. For now, these personal cards with business-grade limits are what is available.
Top Business-Grade Cards: The P&L View
| Card | Max Cashback | Annual Fee | FX Fee | At $15k/mo Spend | Annual Net Value |
|---|---|---|---|---|---|
| Bybit Supreme | 10% | Free | 0.5% | $1,500/mo - $75 FX | $17,100 |
| Plutus Visa | 9% | $60 | 0% | $1,350/mo | $16,140 |
| Bitget Visa | 8% | Free | 0% | $1,200/mo | $14,400 |
| Bitget Visa | 8% | Free | 0% | $1,200/mo | $14,400 |
| Wirex Elite | 8% | $360 | 0% | $1,200/mo | $14,040 |
| Tria Premium | 6% | $250 | 0% | $900/mo | $10,550 |
| OKX Mastercard | 5% | Free | 0% | $750/mo | $9,000 |
| CRO Obsidian | 5% | CRO stake | 0% | $750/mo | $9,000 (+ CRO risk) |
| Coinbase Card | 4% | Free | 0% | $600/mo | $7,200 |
| Bank card | 0% | Free | 2.5% | -$375/mo FX cost | -$4,500 |
At $15,000/month, the difference between a 0% bank card and Bitget at 8% is $14,400/year flowing back to your business. Add the FX savings on international spending ($4,500/year at 2.5% bank rate), and the total annual impact exceeds $18,000. That is not a perk - it is a cost center optimization.
What Business Users Need in a Crypto Card
Monthly spending limits of $25,000+ without pre-approval for each transaction
Zero FX fees on international vendor payments (SaaS, contractors, suppliers)
Exportable transaction history (CSV or API) for accounting software
USDC funding from business treasury for clean tax treatment
High cashback rate that compounds meaningfully at business spending volumes
Top 10 Cards for Business Users
1. Plutus Visa Card
Your Daily Driver for 3% to 9% Cashback
2. Private (Obsidian)
The Pinnacle: 5% Cashback + Private Jet Perks
3. Bitget Visa Card
The Trader's Daily Driver: Instant Crypto Spending
4. Bybit Supreme VIP Card
The Ultimate Trader Card: 10% Back + ChatGPT & TradingView Rebates
5. COCA Visa Card
DeFi Banking for the Masses: 8% Back + Yield Earning
6. Prime
The Apex: 8% Uncapped CRO Rewards + Private Account Manager
7. Wirex Elite Card
Elite Travel Status: 8% Rewards + Priority Support
8. Tria Premium Card
Ultimate Web3 Luxury: 6% Cashback + Zero ATM Fees
9. OKX Mastercard Debit
Your Crypto, Your Way: Spend with OKX Mastercard
10. Coinbase Card
Safe & Simple: US Regulated Spend with 4% Back
What $15,000/Month Looks Like
$1500
/month in cashback (based on Bybit Supreme VIP Card at 10%)
A startup routing $15,000/month through a crypto card. Breakdown: $5,000 SaaS/cloud, $4,000 travel, $3,000 marketing, $2,000 office supplies, $1,000 meals. Roughly $8,000 of that is international (EU SaaS vendors, offshore contractors).
| Card | Monthly Cashback | FX Savings (on $8k intl) | Minus Costs | Annual P&L Impact |
|---|---|---|---|---|
| Bitget (8%, 0% FX) | $1,200 | +$200 (vs 2.5% bank) | $0 (free) | +$16,800 |
| Plutus (9%, 0% FX) | $1,350 | +$200 | -$60 fee | +$18,540 |
| Wirex Elite (8%, 0% FX) | $1,200 | +$200 | -$360 fee | +$16,440 |
| Tria Premium (6%, 0% FX) | $900 | +$200 | -$250 fee | +$12,950 |
| Coinbase (4%, 0% FX) | $600 | +$200 | $0 (free) | +$9,600 |
| Bank card (0%, 2.5% FX) | $0 | $0 | -$200/mo FX loss | -$2,400 |
The swing between a bank card and Bitget at 8% is $19,200/year on the same $15,000/month in spending. Plutus edges ahead at 9% but requires PLU staking for the top tier. For businesses wanting zero token exposure, Wirex Elite at $360/year is the cleanest option: pay the fee, earn the cashback, no staking, no token risk. At $15,000/month, the $360 fee pays for itself in the first 4 days of spending.
Multi-Card Strategy for Business Users
Step 1: Consolidate All Card-Eligible Expenses
Route every card-eligible business expense through a single high-cashback crypto card. SaaS subscriptions (AWS, Figma, Slack, Notion), travel bookings, supply purchases, client dinners, fuel - everything that accepts Visa or Mastercard. Each dollar diverted to a bank card is a dollar not earning 5-9% back.
| Expense Category | Typical Monthly | At 8% Cashback | Annual Return |
|---|---|---|---|
| SaaS & cloud (AWS, Figma, Slack) | $3,000 | $240/mo | $2,880 |
| Travel (flights, hotels, transport) | $4,000 | $320/mo | $3,840 |
| Office & supplies | $2,000 | $160/mo | $1,920 |
| Marketing & ads | $3,000 | $240/mo | $2,880 |
| Meals & entertainment | $1,500 | $120/mo | $1,440 |
| Miscellaneous | $1,500 | $120/mo | $1,440 |
| Total | $15,000 | $1,200/mo | $14,400 |
Step 2: Fund Exclusively with USDC
This is not just a preference - it is an accounting requirement. If your business holds BTC as a treasury asset and spends it through a card, every transaction creates a taxable disposal event at the business entity level. Your accountant now needs to track cost basis on every coffee and Uber ride. Stablecoin funding (USDC-to-fiat at roughly $1:$1 with near-zero gain) keeps your quarterly bookkeeping simple and your tax exposure minimal.
Step 3: Capture the International FX Savings
Most tech businesses have significant international spend: EU SaaS vendors, offshore contractors, global hosting. The 0% FX savings compound fast:
| International Spend | Bank FX Cost (2.5%) | Crypto Card FX Cost (0%) | Annual Savings |
|---|---|---|---|
| $5,000/month | -$125/mo | $0 | $1,500/year |
| $8,000/month | -$200/mo | $0 | $2,400/year |
| $12,000/month | -$300/mo | $0 | $3,600/year |
Plutus at 9% cashback and $60/year or Bitget at 8% and free are the highest-value options for volume spending. Wirex Elite at 8% and $360/year is the cleanest choice for businesses that want a predictable annual cost instead of token staking.
Common Mistakes to Avoid
1. Commingling Personal and Business Spending
The fastest way to trigger a bookkeeping nightmare and an audit red flag. Personal groceries mixed with business SaaS on the same card means your bookkeeper charges extra hours to sort it out, and a tax authority sees a mixed-use card as a sign of poor financial controls.
The fix: Dedicated card, dedicated crypto wallet, dedicated transaction export. One card for business, one for personal. Most issuers allow multiple cards or accounts. If not, use a different issuer for each purpose.
2. Spending Treasury BTC/ETH Instead of Stablecoins
If your business bought 10 BTC at $30,000 and spends it when BTC is at $90,000, each purchase triggers a taxable capital gain at the corporate level. The math gets ugly fast:
| Treasury Funding | $15k Monthly Spend | Capital Gain per Month | Annual Tax Impact (25% rate) |
|---|---|---|---|
| USDC (bought at $1) | $15,000 | ~$0 | ~$0 |
| BTC (bought at $30k, now $90k) | $15,000 | $10,000 (67% gain) | $30,000 tax bill |
| ETH (bought at $1.5k, now $3k) | $15,000 | $7,500 (50% gain) | $22,500 tax bill |
At a 25% corporate tax rate, spending appreciated BTC through a card costs your business $30,000/year in capital gains tax - more than double the cashback you would earn. Convert a portion of treasury to USDC specifically for card spending. Keep your appreciation-heavy assets untouched in cold storage.
3. Ignoring the Accounting Treatment of Cashback
At $10,000+/year in crypto cashback, the classification matters for your business tax return. Different treatments have different tax implications:
| Treatment | How It Works | Tax Impact | Common In |
|---|---|---|---|
| Ordinary income | Cashback taxed as revenue at FMV | Highest tax | US (IRS default) |
| Purchase rebate | Cashback reduces expense cost basis | Lower effective tax | Some US/EU interpretations |
| Non-taxable discount | Treated as price reduction, not income | No immediate tax | Limited jurisdictions |
At $14,400/year in cashback (8% on $15k/month), the difference between "ordinary income" and "purchase rebate" treatment could be $2,000-$3,000 in annual tax. Have your accountant determine the correct treatment before year-end - not after. If cashback is paid in a volatile token (BNB, PLU, KCS), the FMV at receipt and at disposal both matter, creating two taxable events per reward.
Frequently Asked Questions
Can I officially use a crypto card for business expenses?
Most crypto cards are issued under personal terms of service. Their high limits and features work for business spending in practice, but check the issuer's terms. Some issuers (like Wirex) are building explicit business offerings. For sole proprietors and freelancers, the distinction is less relevant since personal and business overlap.
How do I export transactions for my accountant?
Most card issuers provide CSV transaction exports through their app or web dashboard. Some offer API access for direct integration with accounting software. Each transaction shows the fiat amount, merchant name, date, and category - the same data your accountant needs from any card statement.
How should business crypto cashback be taxed?
This depends on your jurisdiction, entity type, and the form of cashback (crypto token vs fiat vs stablecoin). In the US, it may be treated as ordinary income or a purchase rebate. In the EU, treatment varies by country. At business spending volumes, the cashback amount is significant enough to warrant professional tax advice.
What happens if my card limit is not enough for business volume?
Premium card tiers offer $50,000-$100,000+ monthly limits. If your business exceeds this, consider multiple cards across family members or employees (where issuer terms allow), or use the crypto card for recurring expenses and wire transfers for large one-time payments.