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Best premium & metal crypto cards

By · Founder & Editor ·

This list mixes two kinds of card, and the difference matters before you order. The 35 cards below either come in metal or sit on a premium network tier (Visa Signature, Platinum or Infinite, Mastercard World Elite), and plenty of the second kind are virtual only. Fewer ship in metal than the list suggests, and several of those can't be had yet. MetaMask's $199-a-year Metal card has been closed to new orders since 2 June 2026. Karta's metal card is on pre-order, with first shipments planned for October 2026. Rizon and Orbitx announce metal cards that have not shipped. Among the ones you can order, the Gemini Credit Card is a metal Mastercard World Elite for US residents with no annual fee, and Deblock sends EEA residents a metal Visa. A premium network tier is a label on the card, not a bundle of perks: what you get is whatever the issuer attaches to it, so read the perks on the card page rather than the tier name. Where a metal tier does bundle lounge access or subscription rebates, price them at what you would actually pay for them, then set that against the fee or the staking lockup. For a low spender the answer is usually a heavy piece of metal and nothing else.

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. Details are in our editorial disclosure.

Also see:Staking & yield cardsCashback cardsTravel cardsTop cards

Questions about Premium & metal cards

What is a premium metal crypto card?

On this page, a card that either comes in metal or runs on a premium network tier such as Visa Signature, Platinum or Infinite, or Mastercard World Elite. The two overlap less than you might think: several premium-tier cards here are virtual only. What a premium card adds (higher cashback, lower FX, bigger limits) is set by the issuer, so read the card page.

Do I need to stake tokens to get a metal crypto card?

Not for most of the metal cards here, which are sold for a fee instead. Karta prices its metal card at 299 USDT on pre-order, Orbitx lists its metal Lux card at $350 once it launches, and the Gemini Credit Card is free. MetaMask’s $199-a-year Metal card was a paid upgrade, but orders have been paused since 2 June 2026. Where a premium tier does need a token lock, the card page says how much and for how long.

Which metal crypto card has the best cashback?

On headline rate, Decard Luminaries: a 22-gram metal card paying 2%, 3% and then 10% on spend above US$5,000 a month, capped at US$200 a month, for US$388 a year plus US$100 for the card, and open only to executives and key opinion leaders. For an ordinary spender, the Gemini Credit Card pays 1% to 4% in bitcoin or another crypto with no annual fee, with the 4% category capped at $300 of spend a month. Compare the rate you would actually reach at your spending level, and the cap, rather than the maximum.

Can I get a metal crypto card with no annual fee?

Yes. The Gemini Credit Card, a metal Mastercard for US residents, charges no annual fee. Other metal cards here charge for the card itself or tie it to a paid or locked tier, so check the issuance and annual fee lines on each card page.