7 Best Crypto Cashback Cards & Apps in 2026 (Shop & Earn)

We all spend money every single day. Groceries, gas, coffee, subscriptions—it never ends. Most people use a standard credit card and maybe get 1% or 2% back in points that are hard to use or cash that loses value due to inflation.

But what if every time you bought a coffee, you earned a fraction of a Bitcoin? What if your grocery run stacked Ethereum for you in the background?

This isn’t a fantasy. In 2026, crypto cashback has become one of the most powerful “passive” earning strategies. You don’t have to change your spending habits. You just change how you pay. By swapping your old plastic card for a crypto card or using a simple browser extension, you can turn your daily expenses into a growing investment portfolio.

In this guide, we are going to break down the best crypto cashback cards and apps in 2026. We have tested the physical cards, installed the browser extensions, and verified which ones actually pay out without hidden fees. Whether you are in the US, Europe, or looking for global options like in India, we have found a solution for you.

Key Takeaways

• Best Overall Card: Nexo Card offers up to 2% cashback and works in “credit mode” so you don’t have to sell your crypto to spend.
• Best for High Spenders: Crypto.com remains the heavyweight for perks, but requires staking CRO to unlock the best rates.
• Best No-Risk Option: StormX and Lolli let you earn crypto without applying for a new credit card—just shop online as usual.
• Best for Bitcoiners: Fold is the premier way to stack sats on everyday purchases like Amazon and Uber.
• Global Availability: While cards are often regional (US/EU), apps like StormX work globally, making them perfect for users in India and beyond.

Why Trust Us? (Our Shopping Experience)

Our team has been living on crypto cards since 2019. We remember the early days of clumsy pre-paid cards that got rejected at half the stores. We have upgraded through the tiers of Crypto.com, used the Binance Card until it sunsetted, and now rely on next-gen options like Nexo and Bybit.

We know the pain of hidden foreign transaction fees and the joy of seeing a “cashback received” notification instantly after buying lunch. This guide is built on real-world usage, not just reading terms and conditions.

How Crypto Cashback Works (The Two Methods)

There are two main ways to earn, and you can actually stack them to earn double.

1. The Crypto Debit/Credit Card: You order a physical or virtual card from an exchange. You either top it up with fiat (USD/EUR) or let it spend your crypto balance. Every time you swipe, the exchange gives you a percentage back in their token or Bitcoin.

• Pros: High rewards, works offline.
• Cons: Often requires staking or KYC.

2. The Browser Extension/App: You install an app like Lolli or StormX. You click through their app to shop at partners like Nike, eBay, or Booking.com. The merchant pays them a commission, and they share it with you in crypto.

• Pros: No credit check, works globally, free.
• Cons: Online shopping only.

1. Nexo Card: The Smartest Spender

For 2026, the Nexo Card stands out because of its unique “Dual Mode.” It is the only card that lets you spend without selling your crypto assets.

How it Works Most crypto cards are prepaid debit cards—you sell your Bitcoin to load dollars onto the card. The Nexo Card has a “Credit Mode.” It uses your crypto as collateral to give you a fiat credit line. You swipe the card, and you are borrowing against your Bitcoin at 0% interest (if your LTV is low enough). You pay it back later, meaning you never sell your crypto and never trigger a taxable event.

• Rewards: Up to 2% in NEXO tokens or 0.5% in Bitcoin.
• Fees: No monthly or inactivity fees.

Our Take This is the best card for “HODLers” who want to access their wealth without selling their stack. It feels like living in the future.

2. Crypto.com Visa Card: The Lifestyle Choice

Despite changes over the years, the Crypto.com Visa remains the most recognizable metal card in the industry. It is a prepaid debit card, meaning you top it up with fiat.

How it Works The rewards are tiered based on how much of their native token (CRO) you stake.

• Free Tier: 0% rewards (sadly).
• Ruby Steel ($400 stake): 1% cashback.
• Jade/Indigo ($4,000 stake): 2% cashback + Spotify/Netflix rebates.
• Rewards: Paid instantly in CRO.

Our Take If you believe in the Cronos ecosystem and are willing to lock up $4,000, the perks like free Spotify and airport lounge access make this a fantastic lifestyle card. Just be aware that your cashback is tied to the price performance of CRO.

3. Bybit Card: The Trader’s Companion

For active traders, the Bybit Card (available in EEA/UK) is seamless. It connects directly to your funding account on the exchange.

How it Works You don’t need to top up. It auto-converts your crypto balance (USDT, BTC, ETH) at the moment of purchase.

• Rewards: You earn points that can be redeemed for cash bonuses, coupons, or trading fee discounts.
• Flexibility: It supports spending a huge variety of tokens, not just stablecoins.

Our Take It is the most convenient card if you already keep funds on an exchange. The friction is zero. You trade on Bybit in the morning and buy lunch with your profits in the afternoon.

4. StormX: The Global Option (India Friendly)

If you can’t get a card because of where you live (like India), StormX is your answer. It is an app and Chrome extension, not a bank card.

How it Works You open the StormX app, find a store you like (they have thousands of partners like Nike, eBay, AliExpress), and click the link. You shop as normal on the store’s website.

• Rewards: You earn cashback in STMX tokens or Bitcoin. Rewards can be as high as 10-15% depending on your membership tier.
• Membership: Holding STMX tokens in your connected wallet upgrades your “Reward Tier,” multiplying your cashback.

Our Take This is essential for global users. Since it doesn’t touch the banking system, it works almost everywhere. We use it for booking travel and buying electronics online.

5. Lolli: The Bitcoin Back Extension

Lolli made “Bitcoin Back” famous. It is primarily focused on the US market and is incredibly simple to use.

How it Works Install the browser extension. When you visit a partner site (like Sephora or Udemy), Lolli pops up and says “Activate 5% Bitcoin Back.” You click it, shop, and earn.

• Rewards: Paid strictly in Bitcoin.
• Card Linking: They also have a “Card Boost” feature where you link your existing credit card and earn extra bitcoin at participating local retailers (coffee shops, CVS, etc.).

Our Take If you want to stack sats without thinking about “altcoins” or “staking tiers,” Lolli is the cleanest, easiest experience.

6. Fold: The Gamified Bitcoin Card

Fold turns spending money into a game. They offer a prepaid Visa debit card (US only) and an app for buying gift cards (Global).

How it Works

• The Card: Every time you swipe, you spin a wheel in the app to determine your reward. You might get 1%, you might get 100%, or you might win a whole Bitcoin. It makes buying groceries a thrill.
• Gift Cards: You can buy gift cards for Amazon, Uber, and Airbnb using the app and earn instant Bitcoin cashback.

Our Take The “Spin the Wheel” mechanic is addictive and fun. Even if you don’t get the card, buying Amazon gift cards through the app is a great hack to get ~2-3% off your Amazon shopping in Bitcoin.

7. Ledger CL Card: The Secure Spender

For those who value self-custody, Ledger offers the CL (Crypto Life) Card.

How it Works It integrates with the Ledger Live app. You can top it up from your hardware wallet (technically moving funds to the card provider’s custody).

• Rewards: 1% in BTC/ETH or 2% in BXX token.
• Security: It feels safer because it is tied to your cold storage workflow, even if the card funds themselves are hot.

Our Take A solid option for security-conscious users who want to keep their ecosystem entirely within Ledger.

Strategy: The “Double Dip” Technique

Here is the pro tip that maximizes your earnings. You can often use two of these methods at once.

1. The Setup: Get a crypto debit card (like Bybit or Crypto.com).
2. The Shop: Open the StormX or Lolli extension on your browser.
3. The Payment: Click through StormX to go to Nike.com. When checking out, pay using your Crypto.com card.
4. The Result: You earn ~4% from StormX AND ~2% from your card. You just earned 6% crypto cashback on a pair of shoes.

FAQ: Common Questions

Q: Are these cards available in India? A: Direct crypto debit cards like Binance or Coinbase are largely unavailable in India due to RBI regulations. However, StormX works perfectly for online shopping. You can also use platforms like Bitrefill to buy gift cards with crypto, which is a form of cashback spending.

Q: Is it taxable? A: In many jurisdictions (like the US), crypto cashback rewards are treated like credit card points and are essentially a “rebate,” so they are often tax-free when you receive them. However, if the value of that crypto goes up and you sell it later, you pay capital gains tax on the profit. Always consult a tax pro.

Q: Do I have to pay to get these cards? A: Most are free to order (virtual cards are instant), but physical cards might have a small shipping fee. Some, like Crypto.com, require you to “stake” (lock up) money to get the higher-tier metal cards.

Q: Which card pays the most? A: If you are willing to stake $40,000+, Crypto.com pays the most (around 3-5%). For a free card with no staking, the Nexo Card or Bybit Card usually offers the best base rates (around 0.5% – 2%).