Best Crypto Cards for High Spenders (2026)
Metal cards with lounge access, premium rebates, and top-tier cashback.
Top Cards for High Spenders
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Avici Signature Card
Bybit Card
Bybit Supreme VIP Card
COCA Visa Card
Coinbase One Card (Amex)
ether.fi Luxe Card
ether.fi Pinnacle Card
ether.fi VIP Card
KAST Bitcoin Black Card
KAST Founders Edition
KAST Solana Gold Card
KAST Solana Illuma Card
KAST Solana Solid Gold Card
KAST X Card
MetaMask Metal Card
Plus (Ruby Steel)
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Private (Icy White / Rose Gold)
Private (Obsidian)
Pro (Royal Indigo / Jade Green)
Tria Premium Card
Tria Signature Card
Wirex Elite Card
Xplace Gold Club Card
Xplace Platinum Club Card
Curated for High Spenders
25 matching cards
Filtered by metal card, lounge access, subscription rebates
At $8,000/month in spending, the difference between a 2% card and a 5% card is $2,880/year. At $15,000/month, it is $5,400. Premium crypto cards exist specifically for people at these spending levels, where the staking requirements and annual fees are trivially justified by the cashback math. The 12 cards on this page all offer some combination of metal construction, airport lounge access, subscription rebates, and cashback rates between 2% and 10%.
The real question is not whether a premium card is worth it - at high spending volumes, it obviously is. The question is which staking or VIP model fits your situation. Each model has different risk profiles.
Premium Card Models Compared
| Card | Max Cashback | Entry Model | Entry Cost | Risk Profile | Extra Perks |
|---|---|---|---|---|---|
| Bybit Supreme | 10% | VIP trading status | $0 (trading volume) | None (no token lockup) | Plaza Premium lounges |
| Wirex Elite | 8% | Annual fee | $360/year | None (known cost) | ATM allowance |
| COCA Visa | 8% | COCA staking | Token lockup | Token price volatility | - |
| Tria Premium | 6% | Annual fee | $250/year | None (known cost) | - |
| Crypto.com Obsidian | 5% | CRO staking | ~$400k in CRO | High (token volatility) | Priority Pass, rebates |
| Crypto.com Icy White | 4% | CRO staking | ~$40k in CRO | Medium (token volatility) | Lounge access + guest |
Staking a volatile token is a bet. An annual fee is a known cost. Run the numbers for your specific spending volume before committing.
What High Spenders Need in a Crypto Card
3%+ cashback rate that holds up at high monthly volumes (check for caps)
Airport lounge access - Priority Pass or equivalent network
Monthly spending limits of $25,000+ without manual approval
Subscription rebates (Spotify, Netflix, Amazon Prime) that stack with cashback
Metal card - because you are spending enough to justify one
Top 10 Cards for High Spenders
1. Private (Obsidian)
The Pinnacle: 5% Cashback + Private Jet Perks
2. Bybit Supreme VIP Card
The Ultimate Trader Card: 10% Back + ChatGPT & TradingView Rebates
3. ether.fi Luxe Card
Purple Metal Prestige: Lounge Access + 65% Hotel Discounts
4. COCA Visa Card
DeFi Banking for the Masses: 8% Back + Yield Earning
5. KAST Solana Gold Card
24K Gold Plated: 8% Points + VIP Concierge at $10,000/yr
6. KAST Solana Solid Gold Card
37g Solid Gold: The Only Solid Gold Crypto Card on the Market
7. Prime
The Apex: 8% Uncapped CRO Rewards + Private Account Manager
8. Wirex Elite Card
Elite Travel Status: 8% Rewards + Priority Support
9. Tria Premium Card
Ultimate Web3 Luxury: 6% Cashback + Zero ATM Fees
10. KAST Bitcoin Black Card
Bitcoin Black Metal: 5% Points + 4% $MOVE at $1,000/yr
What $8,000/Month Looks Like
$800
/month in cashback (based on Bybit Supreme VIP Card at 10%)
| Card | Rate | Monthly Cashback | Annual Cashback | Minus Costs | Net Annual Value |
|---|---|---|---|---|---|
| Bybit Supreme | 10% | $800 | $9,600 | -$480 FX (0.5%) | $9,120 |
| Wirex Elite | 8% | $640 | $7,680 | -$360 fee | $7,320 |
| CRO Obsidian | 5% | $400 | $4,800 | +$800 perks | $5,600 (+ CRO risk) |
| Tria Premium | 6% | $480 | $5,760 | -$250 fee | $5,510 |
| Bank card | 0% | $0 | $0 | $0 | $0 |
At $8,000/month, Bybit Supreme generates the highest raw return ($9,120/year net of FX costs) but requires maintaining VIP trading status. Wirex Elite is the cleanest option: $7,320/year net with no staking risk. CRO Obsidian delivers $5,600 in total value (including lounge access and rebates), but you carry price risk on a $500,000 CRO position.
Multi-Card Strategy for High Spenders
The Break-Even Framework
Run the break-even calculation for every card you consider. The formula is simple: (Annual Cashback + Perks Value) - (Annual Fee + Staking Opportunity Cost) = Net Value.
Scenario A: Staking Model (Crypto.com Obsidian)
Crypto.com Obsidian requires roughly $500,000 in CRO staking to unlock 5% cashback. At $10,000/month spending, the card generates $6,000/year in cashback. Add Priority Pass lounges ($500-1,000/year), subscription rebates ($300/year), and the total annual value pushes past $7,000. That is a 1.75% return on staked capital - but if CRO drops 20%, the $80,000 paper loss dwarfs all card benefits combined.
Scenario B: VIP Model (Bybit Supreme)
Bybit Supreme sidesteps staking risk entirely: your VIP tier comes from trading volume, not a token lockup. If you already trade heavily on Bybit, the 10% cashback is essentially free money. The 0.5% FX fee on international spending is the one downside.
Scenario C: Annual Fee Model (No Token Risk)
| Card | Annual Fee | Cashback | At $8,000/mo Spend | ROI on Fee |
|---|---|---|---|---|
| Wirex Elite | $360 | 8% | $7,680 - $360 = $7,320/yr | 21x |
| Tria Premium | $250 | 6% | $5,760 - $250 = $5,510/yr | 22x |
| Coinbase One | $49 | 4% | $3,840 - $49 = $3,791/yr | 78x |
Wirex Elite at $360/year with 8% cashback is the cleanest high-spender play: pay the fee, earn the rewards, no token exposure, no VIP requirements. At $8,000/month, that is a 21x return on the annual cost.
Common Mistakes to Avoid
1. Ignoring Cashback Caps
A card advertising 8% might cap rewards at $100/month, making the effective rate barely 1% for someone spending $8,000. Before committing to any staking requirement or annual fee, confirm the monthly or annual cashback ceiling.
| Advertised Rate | Monthly Cap | Your Spend ($8k/mo) | Effective Rate |
|---|---|---|---|
| 8% | No cap | $640/mo | 8% |
| 8% | $200/mo cap | $200/mo | 2.5% |
| 8% | $100/mo cap | $100/mo | 1.25% |
Always calculate your effective rate at your actual spending level, not the headline number.
2. Treating Staking as Free
Locking $40,000 in CRO or any other volatile token is a position with downside risk. If CRO drops 50% (it has happened before), your $40,000 stake becomes $20,000 - a $20,000 paper loss that would take four years of 5% cashback at $8,000/month to recover. If you would not buy and hold that token anyway, the staking requirement is a cost disguised as a perk. The annual-fee cards (Wirex Elite at $360, Tria Premium at $250) achieve comparable cashback without token exposure.
3. Fragmenting High Spend
Every dollar you divert to a secondary card is a dollar not earning your top-tier rate. Consolidate aggressively. The only reason to carry a second card is as a backup (different network - one Visa, one Mastercard) or to cover spending categories where your primary card has a cashback cap.
Frequently Asked Questions
Which card offers the highest cashback for big spenders?
Bybit Supreme reaches 10% for VIP traders. Wirex Elite and COCA both hit 8%. Tria Premium offers 6%. CRO Obsidian offers 5%. The achievable rate depends on your VIP tier, staking commitment, or willingness to pay an annual fee.
Is staking $500,000 in CRO worth it for the Obsidian card?
At $10,000/month spending, Obsidian generates roughly $5,600/year in total value (cashback + lounges + rebates). That is a 1.4% annual return on the staked capital - comparable to a savings account. The risk is CRO price volatility. If you believe in CRO long-term, the card benefits are a bonus. If not, the annual-fee cards (Wirex Elite, Tria Premium) achieve similar cashback without token exposure.
Do premium cards have spending caps on cashback?
This varies significantly between issuers and is the most important detail to check. Some cards cap monthly cashback (making the effective rate much lower at high volumes), while others have no cap. Always verify the specific cap for your card tier before committing to a staking requirement or annual fee.
Is the lounge access actually worth it?
A Priority Pass visit costs $30-50 if purchased individually. If you fly 12+ times per year, that is $360-600 in value from lounge access alone. For frequent business travelers, it often justifies a card upgrade by itself. For infrequent travelers, it is a nice perk but should not drive your card decision.