How Much Cashback Will You Earn?
Enter your monthly spending to see estimated annual rewards from every active crypto card — ranked by net value after fees.
Top Crypto Cards for $1,000/month Spend
Ranked by net annual value after all fees. Based on maximum advertised cashback rates.
| # | Card | Max Rate | Annual Cashback | Net Value/yr |
|---|---|---|---|---|
| 1 | Gate Card | 8% | $960 | $960 |
| 2 | Stables Card | 6% | $720 | $720 |
| 3 | Kolo Card | 5% | $600 | $600 |
| 4 | Gnosis Card | 5% | $600 | $600 |
| 5 | OKX Card | 5% | $600 | $600 |
Use the calculator below to personalise these results for your actual monthly spend.
How Crypto Card Cashback Works
Crypto card cashback rewards work differently from traditional bank card cashback. Instead of earning cash back into a bank account, you earn rewards in cryptocurrency — typically Bitcoin, ETH, or the card issuer's native token. The rate is applied to every qualifying purchase and credited automatically.
Net annual value is the most important metric. A card advertising 5% cashback but charging a $120 annual fee delivers less real value than a no-fee card offering 2% on high monthly spend. Our calculator automatically deducts annual and monthly fees so you see exactly what you keep.
Staking vs. No-Staking Rewards
Many high-rate cards (Crypto.com, Nexo) require you to stake or lock up the issuer's native token to unlock top-tier cashback. If you factor in the opportunity cost of locked capital, the effective rate is often lower than advertised. Cards like Kolo and KAST offer flat cashback with no staking requirement, making them simpler for most users.
Which Card is Best for My Spend?
The best card depends on your monthly spend level:
- Under $500/mo: Focus on no-fee cards with flat cashback. Fees easily erode rewards at low spend.
- $500–$2,000/mo: Mid-tier staking cards become worth it if you already hold the token. No-staking cards still competitive.
- Over $2,000/mo: Premium cards with higher rates and perks (lounge access, metal card) justify their fee at scale.
See the full ranked list of best crypto cards or use the comparison tool to evaluate any two cards side by side.
Best pick: Gate Card earns you up to $960/year — that's $960 net after fees.
Ranked by Net Annual Value
Based on max cashback rate
Up to 6% in Stables Points
Up to 5% GNO cashback
1–5% cashback in CRO (higher tiers require CRO staking)
1-4% crypto back
2% XRP back (tier plans up to 4%)
Up to 4% cashback ($XPL)
4% gas/EV/transit ($300/mo cap), 3% dining, 2% groceries, 1% other
3% up to $2k/mo,then 1%,then 0.5% + points
3% base cashback (up to cap) + 1 Perk
Up to 3% cashback in KCS tokens
Up to 2% crypto cashback
2%-10% cashback (points, tier dependent)
2% cashback + RizPoints
Up to 2% in EGLD tokens
1–2% in KAU (gold) or KAG (silver)
Up to 2% in B2M token
Loyalty points ($F24)
1.5% in Bitcoin (ShakeSats)
Up to 1% Cryptoback
1% savings interest on balance
1% cashback in WBT
1% cashback in crypto
1% cashback
0.5% cashback
0.1% virtual cashback + $BTAP rewards
Disclaimer: Estimates use maximum advertised cashback rates and may not reflect tiered staking bonuses, spending caps, or category restrictions. Fees shown are based on publicly available data and may change. Always verify terms on the card provider's website before applying.