Best Crypto Cards for Traders (2026)
Exchange-linked cards with cashback that compounds your trading capital.
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Binance Mastercard
Bitget Visa Card
Bitpanda Visa Card
BitPay Mastercard
Bybit Card
Bybit Supreme VIP Card
Coinbase Card
Coinbase One Card (Amex)
Gemini Credit Card
Gemini Credit Card: Solana Edition
Kraken Card
KuCard Visa Debit
OKX Mastercard Debit
Plus (Ruby Steel)
Prime
Private (Icy White / Rose Gold)
Private (Obsidian)
Pro (Royal Indigo / Jade Green)
RedotPay Solana Card
Uphold Mastercard Debit
Wirex Elite Card
Wirex Standard Card
Curated for Traders
22 matching cards
Filtered by cashback, trading perks
You just closed a profitable futures position. The USDT is sitting in your exchange wallet. With a traditional bank setup, converting that profit to spendable cash means withdrawing to your bank - a process that takes one to three business days and costs a wire fee. An exchange-linked card makes those profits spendable in seconds.
Every major exchange now offers a card that spends directly from your trading balance. The card is just the last mile between your exchange wallet and a merchant terminal. The real differentiator is not whether the card works, but how much it pays you back. Cashback rates range from under 1% up to 10% at the highest VIP tiers, and that cashback goes straight back into your exchange balance where you can compound it on your next trade.
2026 Exchange Card Comparison: Rates and Fees
| Exchange Card | Max Cashback | FX Fee | Annual Fee | VIP Tier-Linked | Cashback Asset |
|---|---|---|---|---|---|
| Bybit Supreme | 10% | 0.5% | Free | Yes (trading volume) | USDT |
| Binance Visa | 2% | 0% | Free | Yes (BNB holdings) | BRL (Brazil only) |
| Bitget Visa | 8% | 0% | Free | Yes (BGB holdings) | BGB |
| Wirex Elite | 8% | 0% | $360 | No (flat fee) | WXT / BTC |
| OKX Mastercard | 5% | 0% | Free | Yes (OKB holdings) | OKB |
| Coinbase Card | 4% | 0% | Free | No | Rotating crypto |
| KuCard Visa | 3% | 0% | Free | Yes (KCS holdings) | KCS |
| Kraken Card | 1% | 0% | Free | No | BTC / ETH |
The split is clear: Bybit leads on raw cashback (10%) but charges 0.5% FX on international spending. Bitget hits 8% with 0% FX. Binance is now Brazil-only at 2% BRL cashback. The rest trade lower cashback for simpler entry - no staking, no VIP requirements, no annual fees.
What Traders Need in a Crypto Card
Direct spending from exchange balance - no separate card wallet to manage
Cashback paid in crypto back to your trading account
VIP tier integration so trading volume improves card rewards
Instant access to realized profits - no withdrawal delay
High monthly spending limits ($25,000+ for active traders)
Top 10 Cards for Traders
1. Bybit Supreme VIP Card
The Ultimate Trader Card: 10% Back + ChatGPT & TradingView Rebates
2. Bitget Visa Card
The Trader's Daily Driver: Instant Crypto Spending
3. Prime
The Apex: 8% Uncapped CRO Rewards + Private Account Manager
4. Wirex Elite Card
Elite Travel Status: 8% Rewards + Priority Support
5. OKX Mastercard Debit
Your Crypto, Your Way: Spend with OKX Mastercard
6. Private (Obsidian)
The Pinnacle: 5% Cashback + Private Jet Perks
7. Coinbase Card
Safe & Simple: US Regulated Spend with 4% Back
8. Coinbase One Card (Amex)
Elite US Credit: 4% BTC Rewards + Amex Protection
9. Gemini Credit Card
Category Crypto Rewards: 4% Gas, 3% Dining, 2% Groceries
10. Gemini Credit Card: Solana Edition
Auto-Staked SOL Rewards: 4% Category Cash Back + ~6% Staking Yield
What $3,000/Month Looks Like
$300
/month in cashback (based on Bybit Supreme VIP Card at 10%)
| Monthly Spend | Bitget (8%) | Bybit Supreme (10%) | Coinbase (4%) | Bank Card (0%) |
|---|---|---|---|---|
| $1,000 | $80/mo ($960/yr) | $100/mo ($1,200/yr) | $40/mo ($480/yr) | $0 |
| $3,000 | $240/mo ($2,880/yr) | $300/mo ($3,600/yr) | $120/mo ($1,440/yr) | $0 |
| $5,000 | $400/mo ($4,800/yr) | $500/mo ($6,000/yr) | $200/mo ($2,400/yr) | $0 |
At $3,000/month through Bitget at 8%, you earn $240/month - $2,880/year - back into your trading balance in BGB. That is real capital. If you compound it through trading and earn even a modest additional 15% annually on those rewards, the cashback alone generates $3,312 in total value by year-end. Compare this to a no-rewards bank debit card where the same $36,000 in annual spending returns exactly nothing.
Multi-Card Strategy for Traders
Rule 1: Use the Exchange You Already Trade On
Pick the exchange you already trade on and use its card. This is not the place to optimize for an extra 0.5% cashback on a different platform. Your VIP tier, your existing balances, and your trading flow are already on one exchange - adding a card to that same account creates zero friction.
Bybit Supreme offers the headline rate: up to 10% at the highest VIP tier. Bitget hits 8% with 0% FX. OKX goes to 5%. But the base rates for new users are much lower - typically 1-2%. The path to top-tier rewards is trading volume, not spending volume. Binance is now limited to Brazil at 2% BRL cashback.
Rule 2: Treat Cashback as Guaranteed Alpha
Your trades might win or lose, but 2-8% back on groceries, subscriptions, and restaurants is a risk-free positive expected value. Unlike a leveraged position, cashback has no downside. Over $3,000/month in spending, even 3% generates $1,080/year flowing back to your exchange balance. Reinvest it, or let it sit as a buffer for your next margin position.
Rule 3: Separate Spending from Trading Capital
Set a hard monthly spending allocation and do not touch it for trades. Keep spending money and trading money in separate sub-accounts if your exchange supports it. Bybit, OKX, and Bitget all support multiple wallet types (funding, trading, earn) - park your card allocation in the funding wallet.
The FX Fee Trade-Off
| Card | Cashback | FX Fee | Net on $1,000 International Spend |
|---|---|---|---|
| Bybit Supreme (10%) | $100 | -$5 (0.5%) | +$95 |
| Bitget (8%) | $80 | $0 (0%) | +$80 |
| OKX (5%) | $50 | $0 (0%) | +$50 |
| Coinbase (4%) | $40 | $0 (0%) | +$40 |
Even with the 0.5% FX fee, Bybit Supreme still nets more than any 0% FX competitor at every spending level - but only at the 10% tier. At the base 2% Bybit rate, Bitget at 8% crushes it.
Common Mistakes to Avoid
1. Splitting Volume to Chase Card Perks
If you trade $500k/month on Bybit and switch $200k to OKX for a different card rate, you might lose your Bybit VIP tier - costing you more in trading fee discounts than you gain in card cashback. A VIP tier drop from VIP 3 to VIP 2 can increase your maker fees by 0.005%, which on $300k monthly volume costs $150/month. Concentrate your trading, take whatever card that exchange offers.
2. Commingling Trading and Spending Capital
Seeing a liquidation-worthy entry while your funds are tied up in a pending card transaction is the kind of frustration that leads to bad decisions. Keep spending money and trading money in separate sub-accounts. Most major exchanges support this:
- Bybit: Funding Wallet (card) vs Trading Wallet
- Bitget: Funding Wallet (card) vs Spot/Futures
- OKX: Funding Account (card) vs Trading Account
3. Ignoring the FX Fee at Scale
Bybit charges 0.5% FX on international spending, which eats into your cashback on non-domestic purchases. Bitget, OKX, Coinbase, and Kraken all offer 0% FX. If you travel or buy from international merchants frequently, that 0.5% adds up. At $5,000/month in international spend, the Bybit FX fee costs $25/month - $300/year.
Frequently Asked Questions
Which exchange card pays the highest cashback?
Bybit Supreme tops out at 10% for VIP holders. Bitget reaches 8% with 0% FX. Wirex Elite offers 8% with a $360 annual fee. OKX goes to 5%, Coinbase to 4%. Binance is now Brazil-only at 2%. Base rates without VIP status are significantly lower - typically 1-2%.
Can I spend profits immediately after closing a trade?
Yes. Exchange cards spend from your exchange balance. The moment a trade settles and profits appear in your wallet, they are available for card spending. No withdrawal to a bank account needed.
Does my trading VIP tier affect card rewards?
On Bybit, OKX, and Crypto.com, yes - your tier directly improves cashback rates. On Bitget, the card rewards are tied to BGB token holdings rather than trading volume. Check your specific exchange's tier system.
Should I worry about exchange custody risk?
Exchange cards are custodial by definition - the exchange holds your funds. Only load spending money onto the card balance you plan to use. Keep the bulk of your portfolio in cold storage or self-custody. The card balance should be money you are comfortable leaving on the exchange.