Best crypto cards with yield & staking rewards

By Mihail B. · Founder & Editor · Data updated November 5, 2026

First in this list, self-custody cards first: Ether.fi Cash Card (up to 5.98% APY), MetaMask Card (up to 4% APY) and Ethena Pay Card.

The yield card pitch ("earn while you spend") is real on a small subset of products and marketing on the rest. The 35 cards below either pay measurable APY on idle balances (Nexo, Bitpanda, RedotPay) or, in the more interesting case, let you borrow against collateral that keeps earning underneath (Ether.fi Cash and a handful of DeFi-native peers). Those two mechanisms behave very differently in practice. Custodial yield evaporates when the issuer cuts rates or hits a liquidity squeeze: Celsius and BlockFi both paid high rates on deposits until they filed for bankruptcy in 2022. DeFi-collateral yield depends on the protocol underneath staying solvent and the loan-to-value buffer surviving a market drawdown. Neither is free money. Ask two things of every card on this list before the APY: who carries the risk, and what happens if the rate drops to zero next quarter. If the answer is "you do, and you stop earning," that's at least transparent.

Some cards below link to affiliate partners, and we may earn a commission if you sign up. Self-custody cards come first, then other custodial apps, then cards from exchanges; each group is ordered by its yield rate, and partner links play no part in the order. Details are in our editorial disclosure.

Also see:Cashback cards Self-custody cards No-fee cards

Cards found 35

Ether.fi Cash Card

Up to 3% cashback

Up to 5.98% APY

Network: Visa Signature
Region: 91 countries
Type: Virtual + Physical

4.9Sweepbase rating

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MetaMask Card

1% cashback (3% Metal, paused)

Up to 4% APY

Network: Mastercard Debit
Region: 47 countries
Type: Virtual

4.5Sweepbase rating

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Ethena Pay Card

4% cashback (up to 5% by tier, in AVAX)

Yield

Network: Visa
Region: Multi-region
Type: Virtual only

4.4Sweepbase rating

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Exodus Card

1 point per $1 spent cashback

Network: Visa + Mastercard
Region: Europe + USA
Type: Virtual only

4.1Sweepbase rating

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Exa Card

Self-custody

Yield

Network: Visa Signature
Region: Multi-region
Type: Virtual only

4.0Sweepbase rating

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Moto Card

Up to 5x points

Yield

Network: Visa Infinite
Region: —
Type: Virtual + Physical

4.0Sweepbase rating

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Tuyo Card

Crypto rewards

Yield

Network: Visa
Region: Worldwide except UK
Type: Virtual

3.9Sweepbase rating

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KAST Card

1.5% cashback (up to 3% on paid tiers)

Up to 12% APY

Network: Visa Prepaid
Region: Global
Type: Virtual + Physical

3.9Sweepbase rating

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KAST Pengu Card

Up to 3% USD cashback (+ up to 2% points)

Up to 12% APY

Network: Visa Prepaid
Region: Global
Type: Virtual + Physical

3.5Sweepbase rating

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RedotPay Card

3% on Pro cashback

Up to 6.7% APY

Network: Visa Prepaid
Region: 100+ countries
Type: Virtual + Physical

3.6Sweepbase rating

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UglyCash Card

1% in RSR cashback (up to 6%)

Up to 6% APY

Network: Visa Prepaid
Region: USA + LATAM + Eastern Europe
Type: Virtual + Physical

3.4Sweepbase rating

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COCA Card

1% cashback

Up to 5% APY

Network: Visa Prepaid
Region: 76 countries
Type: Virtual + Physical

4.2Sweepbase rating

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Questions about best yield crypto cards

Which yield crypto card is best in 2026?

This list puts the cards that leave the keys with you first, then other custodial apps, then cards from exchanges, and orders each group by the yield paid on the balance the card spends from. On that order the top three are Ether.fi Cash Card (up to 5.98% APY; 4.9/5; 91 countries), MetaMask Card (up to 4% APY; 4.5/5; 47 countries) and Ethena Pay Card (4.4/5). Rates move and some are funded by the issuer for a limited time: each card's row below says how its rate is paid.

How do crypto yield cards work?

Yield crypto cards let you earn passively, with interest or staking rewards accruing on the crypto you deposit as collateral or hold in your card wallet. The yield mechanism varies: some cards offer simple APY on idle stablecoins (like a savings account), while others require staking a platform token, providing liquidity to DeFi protocols, or locking your assets for a fixed period. The earned yield may be auto-credited to your balance, used to pay card bills, or compounded into your holdings.

What APY can I expect from a crypto yield card in 2026?

It depends on the card and moves often, so read the rate on the card's own page. Two examples from our data: Nexo's spending balance earns up to 13% a year, paid daily (0.25-14% by asset and loyalty tier), and Ether.fi's Liquid vaults listed 5.35% APY on USD on 27 August 2026, variable and not guaranteed. DeFi-native cards like Ether.fi Cash let you earn yield on collateral while borrowing against it, effectively combining spending power with passive income.

Is the yield on crypto cards guaranteed?

No. Unlike traditional savings accounts with FDIC or FSCS protection, crypto yield is not guaranteed. Rates are variable and depend on market conditions, protocol performance, and platform solvency. Consider counterparty risk: research where your deposits are held, whether the platform has been audited, and what happens to your funds if the issuer faces problems.

Can I earn yield and cashback on the same card?

On some cards, yes. Bitpanda, for example, pays interest on cash moved into Cash Plus and 1% cashback on crypto-funded purchases. Read the conditions, though: Nexo pays interest on the spending balance in Debit Mode, while its cashback needs Credit Mode.

Are crypto yield earnings taxable?

In most jurisdictions, yield earned on crypto is treated as income and taxed at your ordinary income rate. This includes staking rewards, interest, and DeFi protocol yields. The taxable event typically occurs when the yield is received or credited to your account. Keep detailed records of all yield received, including dates and fair market values, and consult a tax professional.