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Crypto Card Cashback Rates Compared, With the Fine Print

Crypto card cashback rates run from 0.5% to 10%, but the top rates sit behind VIP tiers, token holdings or paid memberships: OKX Card pays 2.0% to non-VIP users and 10% only at VIP 4 and above, per OKX's own FAQ. The entry-tier rate, the monthly cap and what the cashback is paid in matter more than the headline.

Most comparisons of crypto card cashback are affiliate roundups, and their figures disagree with each other. Every rate below comes from the Card program's own page, checked on October 26, 2026. We also show what each card pays at the entry tier on $1,000 of monthly spend, and who funds it, because that decides how long the rate lasts.

Crypto card cashback rates at a glance

Card Headline rate Entry-tier rate What the top rate needs Cap Paid in
OKX Card (EEA) 10% 2.0% (non-VIP) VIP 4+, based on account balance and trading volume 50 EUR/month non-VIP, up to 1,000 EUR at VIP 3+ Earned only on USDG purchases
Bybit Card Up to 10% Varies by tier Elite tier, by MNT held on Bybit By tier Crypto
Crypto.com Visa (US) 3.5% shown for Plus 1.5% (free Basic tier) Plus: $4.99/month, $49.90/year or a $500 CRO stake for 12 months BTC payouts capped by tier; CRO payouts uncapped CRO or BTC
Nexo Card 2.0% in NEXO 0.5% in NEXO or 0.1% in BTC Platinum loyalty tier (NEXO share of portfolio) Not stated NEXO or BTC, credit mode only
KAST AI Card 10% 10% on the first $1,000 a month Bands fall to 5%, 3%, then 0% above $50,000 $50,000 monthly eligible spend Per KAST's terms
RedotPay 3% 0% without Pro Pro membership; Apple Pay or Google Pay only 18 USDs/month USDs, spend-only, expire after 30 days

A few rows need reading twice. OKX's cashback is earned only on USDG purchases. Nexo's applies in credit mode, which needs more than $5,000 in digital assets on the account. RedotPay's USDs "can only be used for future card transactions" and "cannot be ... withdrawn as cash, or transferred." KAST's rates cover its AI Card programme, which its terms say is set independently of membership tier.

Headline rate vs what $1,000 of spend actually earns

A headline rate is the best case. Here is the same $1,000 of monthly spend at each card's entry tier, using only the published terms:

Card Entry-tier earn on $1,000 Why
OKX Card, non-VIP $20 at most 2.0%, only on USDG purchases, under the 50 EUR cap
Crypto.com Basic $15 in CRO 1.5%; BTC payouts drop to 1.0% above $250 of spend
Nexo, Base tier $5 in NEXO 0.5% in credit mode
RedotPay Pro 18 USDs at most 3% would be $30, but the cap is 18 USDs, and only wallet payments count
KAST AI Card $100 10% on the first $1,000, before any card or membership cost
Bybit Card Depends on tier Bybit publishes rates by tier on its card pages

Two patterns show up. Caps bite early: RedotPay's cap turns a 3% rate into 1.8% at this spend. And the currency matters. Cashback paid in CRO or NEXO moves with the token, so the dollar value at payout isn't the dollar value at spend.

How crypto card cashback changed in 2026

The direction this year has been down, and each change comes from the program's own announcement:

Date Card Change
April 29, 2026 KAST Terms in effect: AI Card cashback in falling bands, gambling, betting and lottery merchants excluded
September 2026 OKX Card (EEA) A promotion raising the non-VIP cap from 50 to 100 EUR is marked "Offer has been fully redeemed"
October 5, 2026 Bybit Card Cashback only on crypto-funded transactions; 100% subscription cashback ends for non-VIP Tier 2 Beta users (announcement)

The common thread is who pays. Every card in the table funds its own cashback, from interchange, a token budget or a membership fee. KAST says so in writing: its programme is "provided and funded solely by KAST." When the program pays, the rate follows the program's margin, and margins on capped debit interchange are thin. We walk through that math in how crypto card cashback is funded.

What the rate comparison means for a Card program

If you run a crypto card, this table is your competition, and it shows the trap. A higher headline rate wins the comparison sites, then the cap, the token and the tier gate quietly take it back. Cardholders notice, and every change has to be announced to them.

There are three ways out, and most programs end up using more than one:

  1. Keep your own rate at what interchange can carry, and stop competing on headline numbers you'll have to walk back.
  2. Gate the high rate behind a fee or a stake, so the cardholders who get it pay for it. It works, but it shrinks the share of cardholders who see any cashback at all.
  3. Let someone else fund an extra line. Merchants do this at participating stores (merchant-funded rewards for crypto cards). Crypto Platforms can do it on every settled spend, because they're paying to acquire the cardholder, not to discount a sale (why trading venues and prop firms pay for it).

The third option doesn't raise your rate in the comparison table. It adds a second line next to it that costs you nothing.

Where Fanback fits

Fanback is that second line. Every settled card spend earns cashback from 10+ crypto Platforms, each claimable on its own Platform. The Platforms pay for it in their own credit.

  • An example: $500 of settled spend at a 1% rate earns $5.00 on each Platform that's active for the cardholder. Your cashback expense is $0.00.
  • It stacks on top of your own cashback, on a separate ledger, so your published rate stays as it is.
  • It shows per Platform. The cardholder sees a balance on every Platform and claims into an account there, from a $1.00 minimum.
  • It expires. Unclaimed cashback expires after 90 days.

Be clear with yourself about what it is. It's credit on crypto trading venues, prop firms and casinos, not cash on the card. It's worth most to cardholders who already use those Platforms, and nothing to those who never will. Choosing which Platforms and categories your cardholders see (casinos off, if you want) is on the site as coming, not live.

Frequently asked questions

Which crypto card has the highest cashback?

On the issuers' own pages, OKX Card (EEA) and Bybit Card both advertise up to 10%, and KAST's AI Card pays 10% on the first $1,000 of monthly eligible spend. The 10% tiers at OKX and Bybit need VIP or Elite status. At the entry tier, OKX pays 2.0% and Crypto.com's free tier pays 1.5%.

Do crypto card cashback rates have caps?

Yes, most do. OKX caps non-VIP cashback at 50 EUR a month, RedotPay at 18 USDs a month, and KAST's AI Card stops earning above $50,000 of monthly eligible spend. Crypto.com caps BTC payouts by tier but not CRO payouts.

Why do crypto cards pay cashback in their own token?

Paying in a token the program issues funds cashback from token supply rather than cash, and lets the program tie higher rates to holding that token. The trade-off for the cardholder is price risk: cashback in CRO or NEXO is worth whatever the token is worth when it's sold or spent.

Is crypto card cashback getting worse?

On the evidence of 2026, yes for self-funded programs. Bybit limited cashback to crypto-funded transactions from October 5, 2026, and an OKX Card cap promotion was fully redeemed in September. Rates funded by the Card program track its margin.

Is a higher cashback rate always better?

No. Check the entry-tier rate, the cap, the payout currency and what you have to stake or pay. RedotPay's 3% becomes 1.8% at $1,000 of wallet spend because of its 18 USDs cap, and its USDs expire after 30 days.

The bottom line

The cashback rate on a crypto card is a promise funded by the Card program's own margin, and 2026 has shown how fast those promises get rewritten. The useful comparison isn't the headline rate. It's what an ordinary cardholder earns at the entry tier, in what currency, and how long the program can afford it.

For Card programs, the cheapest way to give cardholders more is to stop paying for all of it yourself. See how Platform-funded cashback reaches your cardholders.

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