Ether.fi Cash Card
Up to 3% (Tiers) cashback
Yield on deposits
- Network
- Visa Signature
- Region
- 70+ countries
- Type
- Virtual + Physical
Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
The HODLer use case for a crypto card is roughly: "I'm not selling, I'm not converting to fiat, but I want to be able to spend a slice without a tax event." The 58 cards below are the ones that get closest to that goal. The cleanest implementations are credit-line products like Ether.fi Cash and Nexo Card, your collateral keeps earning, you draw against it, and the principal stays intact. The technically-spending-but-also-staking products (Crypto.com, Bybit, Plutus) work differently: you're spending from a separate balance while a much bigger one earns staking yield in CRO/BIT/PLU underneath. Both models have a place. The former matches the HODLer ideal more cleanly but requires you to be comfortable with a debt-against-collateral structure. The latter is simpler but doesn't actually keep your spending balance staked. Pick based on whether your goal is "never sell BTC/ETH" (credit line) or "earn yield on my treasury while spending pocket money" (staking-tier card). They aren't interchangeable, and the marketing usually blurs them.
Some cards below link to affiliate partners, and we may earn a commission if you sign up. They're ordered by our public score, not by who pays us — read our editorial disclosure.
