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Best crypto cards with staking & yield

By · Founder & Editor ·

Highest yield here: KAST Card (up to 12% APY), OKX Card (up to 10% APY) and MEXC Card (up to 7% APR).

Staking on a crypto card overlaps with cashback in the marketing copy and is very different in practice. Cashback is a percentage of what you spend; staking is a percentage of what you hold, paid for as long as the lockup runs. The 87 cards below let you stake or hold either the platform's own token (CRO for Crypto.com, NEXO for Nexo, B2M for Bit2Me) or a more neutral asset (ETH, SOL, USDC) to unlock higher cashback tiers, a separate APY, or both. The trap is the hidden cost of locked money. Compare any staking rate with what the same money would earn in a government-bond fund you can sell on any day: the difference is all you are paid for carrying the token's price risk through the lockup, and Crypto.com's CRO tiers lock for 12 months. Native-token staking makes sense if you'd hold the token anyway. If you wouldn't, the math usually doesn't survive contact with a calculator.

Some cards below link to affiliate partners, and we may earn a commission if you sign up. The order comes from our public score, and partner links play no part in it. Details are in our editorial disclosure.

Also see:Self-custody cardsDeFi-native cardsCashback cardsPremium metal cards

Cards found 87

Ether.fi Cash Card

Up to 3% cashback
Up to 5.98% APY
Network
Visa Signature
Region
91 countries
Type
Virtual + Physical
4.9 out of 5, Sweepbase rating
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Bleap Card

1% cashback
Up to 8.08% APY
Network
Mastercard
Region
Europe
Type
Virtual + Physical
4.7 out of 5, Sweepbase rating
Get Card

Hyperbeat Card

Up to 1% cashback (paid in WHYPE)
Up to 4.42% APY
Network
Visa Signature
Region
Multi-region
Type
Virtual only
4.6 out of 5, Sweepbase rating
Get Card

Xplace Card

Up to 2% cashback
Yield
Network
Visa Credit
Region
—
Type
Virtual + Physical
4.6 out of 5, Sweepbase rating
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MetaMask Card

1% cashback (3% Metal, paused)
Up to 4% APY
Network
Mastercard Debit
Region
47 countries
Type
Virtual
4.5 out of 5, Sweepbase rating
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Bitpanda Card

1% cashback
Up to 3.93% APY
Network
Visa Platinum
Region
Eurozone
Type
Virtual + Physical
4.5 out of 5, Sweepbase rating
Get Card

Ethena Pay Card

4% cashback (up to 5% by tier, in AVAX)
Yield
Network
Visa
Region
Multi-region
Type
Virtual only
4.4 out of 5, Sweepbase rating
Get Card

Gemini Credit Card

Up to 4% cashback
Yield
Network
Mastercard Credit
Region
USA
Type
Virtual and physical metal…
4.4 out of 5, Sweepbase rating
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Coinbase Card

Variable cashback (US only)
Yield
Network
Visa Debit
Region
Europe + USA
Type
Virtual + Physical
4.3 out of 5, Sweepbase rating
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MiniPay Card

Up to 5% cashback (in XAUt, capped)
Network
Visa Debit
Region
Multi-region
Type
Virtual only
4.3 out of 5, Sweepbase rating
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COCA Card

1% cashback
Up to 5% APY
Network
Visa Prepaid
Region
76 countries
Type
Virtual + Physical
4.2 out of 5, Sweepbase rating
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Deblock Card

0.1-1% cashback (Premium)
Up to 4% APY
Network
Visa Debit
Region
Europe
Type
Virtual + Physical
4.2 out of 5, Sweepbase rating
Get Card

Questions about staking & yield cards

Which staking crypto card is best in 2026?

Ranked on the yield rate on the balance the card spends from, in cash or stablecoins, with our public score breaking ties, the top three are KAST Card (up to 12% APY; 3.9/5; worldwide), OKX Card (up to 10% APY; 4.2/5; EEA + Brazil) and MEXC Card (up to 7% APR; 4.1/5; Asia). The list below stays in score order, so these are not always its first cards. Rates move and some are funded by the issuer for a limited time: each card's row below says how its rate is paid.

What is a staking crypto card?

A staking crypto card combines a Visa or Mastercard debit card with built-in staking or yield features. You earn rewards (APY, staking returns, or interest) on your deposited crypto while maintaining the ability to spend it instantly at any card terminal.

Is staking on a crypto card safe?

Safety depends on where the yield comes from. With a custodial platform (Nexo, Crypto.com) you carry the risk that the company fails. On-chain staking, such as Solayer's sSOL, carries smart-contract risk instead. A yield backed by US Treasuries, such as Solayer's sUSD, carries less crypto-specific risk but still depends on the issuer of the token. Find out what generates the yield before depositing.

Do I lose staking rewards when I spend?

Most cards only stop earning yield on the amount you spend. Some cards (like credit-line models from Nexo or Ether.fi) let you borrow against staked collateral, so your deposits continue earning even as you spend the borrowed funds.

Which staking crypto card has the highest APY in 2026?

Rates move too often to name one. 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 Xplace's Kamino deposits earn variable rates that the protocol sets. Headline rates often require specific tokens or lock-up periods. Compare the effective rate for your preferred assets using the table below.