Best crypto cards for HODLers & stakers
Highest yield here: KAST Card (up to 12% APY), OKX Card (up to 10% APY) and MEXC Card (up to 7% APR).
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 87 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 while you draw against it. It is still a loan against that collateral, and if the collateral falls far enough the position can be liquidated (Ether.fi's help centre puts the line at a Health Factor of 1.00). Staking-tier cards such as Crypto.com work differently: you spend from one balance while a CRO lockup held for 12 months (or, on the lower tiers, a subscription) sets your reward tier. Both models have a place. The credit line matches the HODLer ideal more cleanly but asks you to be comfortable with debt against collateral. The staking tier is simpler but leaves your spending balance idle. Pick based on whether your goal is "never sell BTC/ETH" (credit line) or "hold a token I like and spend pocket money" (staking-tier card). They aren't interchangeable, and the marketing usually blurs them.
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