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Best crypto cards with staking & yield

By · Founder & Editor ·

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 94 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. They're ordered by our public score, not by who pays us. Details are in our editorial disclosure.

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

Questions about Staking & yield cards

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 showed about 6.15% on SOL and 5.43% on BTC when we checked on 20 July 2026. Headline rates often require specific tokens or lock-up periods. Compare the effective rate for your preferred assets using the table below.