The convergence of cryptocurrency and everyday spending is accelerating, with leading centralized exchanges (CEXs) aggressively expanding into consumer payment ecosystems. As stablecoins and digital asset utility gain momentum in 2025, platforms are launching crypto-linked credit cards, debit cards, and integrated financial apps to bridge the gap between blockchain assets and real-world transactions.
These innovations aim to transform crypto from speculative holdings into practical tools for daily life—fueling a competitive race among exchanges to dominate the emerging "spend-your-crypto" economy. From Coinbase’s Amex-powered card to Kraken’s all-in-one payment app, the landscape is evolving rapidly.
Coinbase One Card: Premium Tier with High-Value Bitcoin Rewards
Coinbase has entered the crypto credit space with its Coinbase One Card, a Visa-powered credit card built exclusively for subscribers of its Coinbase One membership. This marks the platform's first foray into crypto credit after previously offering a Visa prepaid debit card in 2020.
Launched in June 2025, the card offers users 2% to 4% cashback in Bitcoin, depending on their subscription tier. The premium $29.99/month plan delivers higher rewards, while a more affordable $4.99/month or $49.99/year "Basic" tier provides lower返现 rates.
Backed by the American Express network, the card ensures broad merchant acceptance across the U.S. and comes with standard Amex protections and benefits. It targets loyal Coinbase users who already engage in staking and trading, enhancing retention through tangible spending incentives.
👉 Discover how seamless crypto rewards can integrate into your daily spending habits.
Gemini Credit Card: Flexible Crypto Cashback by Category
Gemini distinguishes itself with a category-based rewards system that gives users granular control over their crypto earnings. Its no-annual-fee Mastercard supports over 50 cryptocurrencies, including BTC, ETH, and stablecoins, allowing cardholders to choose which digital asset they receive as cashback.
Key reward tiers include:
- 4% back on the first $300 monthly spend at gas stations and EV charging points (resets each month)
- 3% back on dining purchases
- 2% back on groceries
- 1% back on all other eligible spending
Users can switch their preferred reward cryptocurrency at any time—a rare level of flexibility in the space. Additionally, early adopters who spend $3,000 within 90 days of approval receive a **$200 crypto bonus** if approved before June 30, 2025.
While rewards cannot be used directly for repayment, there are no foreign transaction fees or annual charges. However, selling or converting earned crypto may incur trading fees. The card’s APR ranges from 17.24% to 29.24%, making it suitable for those who pay off balances monthly.
Crypto.com Visa Signature: Tiered Rewards Based on User Status
Crypto.com continues to refine its tiered incentive model with its new Visa Signature credit card, targeting U.S. customers. Unlike flat-rate reward systems, this card adjusts cashback percentages based on user status—rewarding higher-tier members with greater returns.
Cashback structure:
- Obsidian Rank: 6.5% first year, then 5%
- Rose/Icy: 5% first year, then 4%
- Jade/Indigo: 3.5% first year, then 3%
- Ruby: 2.5% first year, then 2%
- Midnight: 1.5% ongoing
The elevated initial rates last for 12 months from account opening or rank upgrade. The card carries an APR of 18.24%–32.24%, a 5% or $10 balance transfer fee (whichever is higher), and a 3% foreign transaction fee.
This approach aligns with Crypto.com’s long-standing strategy of using financial incentives to boost user engagement and loyalty across its ecosystem.
Kraken Launches “Krak” App: A Global Money Platform Beyond Cards
Rather than starting with a physical card, Kraken has taken a holistic approach by launching Krak, a next-generation mobile app designed to unify digital and fiat currency management. Positioned as a competitor to Venmo and PayPal, Krak enables users to manage over 300 digital assets and fiat currencies in one place.
Core features include:
- Instant P2P transfers across 110 countries using unique Kraktags (no wallet or bank details needed)
- Seamless cross-asset payments in crypto, stablecoins, or fiat
- Up to 4.1% yield on USDG stablecoin balances
- Access to up to 10% additional yield on select digital assets
- No lock-up periods, minimum deposits, or subscription fees
Future plans include issuing virtual and physical Krak cards, expanding into lending, borrowing, and full-fledged credit services—all within the same app.
Krak represents a shift toward building an independent financial ecosystem rather than relying solely on partnerships with traditional networks.
👉 Explore how next-gen finance apps are redefining money management in the digital age.
Bybit Card: High-Yield Debit Card for VIP Traders
Bybit’s entry is a Mastercard-based crypto debit card available in EEA countries, Switzerland, Australia, Brazil, and Argentina. It allows users to spend directly from their Bybit account balance using supported cryptos like BTC, ETH, USDT, USDC, and BNB.
Key highlights:
- Cashback ranges from 2% to 10%, scaling with VIP level
- During promotional periods, new users received up to 10% cashback
- $10 issuance fee for physical cards
- 2% ATM withdrawal fee beyond €100/month (EEA)
- 0.9% spread on crypto-to-fiat conversion
- +0.5% foreign exchange markup over Mastercard rates
The card supports Apple Pay and Google Pay and is denominated in USD, making it ideal for international spenders.
Bitget Dual Strategy: Wallet Card + Exclusive Visa Credit
Bitget employs a dual-card strategy:
Bitget Wallet Card – A Mastercard-based solution for everyday spending with up to 5U sign-up bonus post-KYC.
- Supports Apple Pay, PayPal, Google Pay
- Works at major platforms like Amazon, TikTok, ChatGPT
- $10 activation fee; no monthly or annual charges
- 1.7% FX fee for non-USD transactions
Bitget Visa Crypto Credit Card – Invite-only for VIPs.
- No annual fee; free virtual and physical cards
- 0.9% transaction fee; $0.65 + 2% ATM fee
- Initially supports USDT; BTC, ETH, USDC coming soon
- No spending cap where Visa is accepted
This two-tier model caters to both retail users and high-net-worth traders.
Other Notable Players: MEXC, Gate, KuCoin
MEXC Debit Card
Available across EEA nations with clear fee structure:
- €1 monthly fee
- 1% recharge fee; 0% intra-EEA transaction fee
- €3k daily limit; €100k max balance
Gate Card
Offers compelling travel perks:
- 7% back on flights/hotels via Gate Travel
- Choice of USDT, BTC, ETH, or GT as cashback
- No issuance fees; supports Google Pay
KuCoin (KuCard)
EEA-focused VISA debit card:
- Supports 54 cryptos + EUR
- €9.99 issuance fee
- Monthly cashback caps from €30 (standard) to €250 (VIP)
- Apple Pay & Google Pay supported
FAQ Section
Q: Which crypto payment card offers the highest cashback?
A: Bybit offers up to 10% cashback during promotions for top-tier VIP users. Crypto.com’s Obsidian tier also delivers high ongoing rewards at 5%.
Q: Are these cards available globally?
A: Most are limited to specific regions—primarily the U.S., EEA, UK, Australia, and parts of Latin America. Full global rollout is still underway.
Q: Do I need good credit to apply?
A: Credit cards (e.g., Coinbase One, Gemini) require credit checks. Debit cards (e.g., Bybit, KuCoin) only need sufficient on-platform balance.
Q: Can I use these cards at regular stores?
A: Yes—since they run on Visa, Mastercard, or American Express networks, they work anywhere these brands are accepted.
Q: Is my crypto balance insured?
A: Protection varies by provider. Some offer FDIC-insured fiat balances; crypto coverage depends on exchange policies.
Q: How do I maximize rewards?
A: Focus on platforms where you’re already active. Higher trading volume often unlocks better tiers (e.g., Crypto.com ranks or Bybit VIP levels).
👉 Start earning crypto rewards every time you swipe—see how easy it is to spend smarter today.
The battle for crypto payments dominance is just beginning. With exchanges leveraging partnerships with major card networks while developing proprietary apps and stablecoins, the vision of “trading as lifestyle” is becoming reality. In 2025 and beyond, expect deeper integration of DeFi yields, cross-border payments, and real-time asset conversion—all aimed at making digital currencies truly usable beyond speculation.
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