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Current Build Card
Current Build Card
- 0.00% Regular Purchase APR
- 0.00% Cash Advance APR
At a Glance
The Current Build Card is a no annual fee secured card that builds credit while earning up to 7X points and 4% APY on savings. The card features no account minimums, no overdraft fee, and spending insights to help your build credit.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Build credit with no minimum deposits and no annual fee
- Up to 4% APY on savings
- Earn up to 7X points on purchases with over 14,000 merchants
- No overdraft fee
- Regular Purchase APR: 0.00%
- Cash Advance APR: 0.00%
- Annual Fee: $0.00
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: 3% of any Total Due balances outstanding and past due for two or more billing cycles
- You are new to credit and want an easy way to begin building credit
- You plan on utilizing Current's spending insights to help you save money
- You don't want to pay an annual fee to earn rewards
Fold Visa® Prepaid Card
Fold Visa® Prepaid Card
At a Glance
Cryptocurrencies offer significant growth for investors, and the Fold Visa Prepaid Debit Card is an intriguing way to earn rewards in BTC for your everyday purchases. The card offers all the benefits of the Fold mobile app with the payment network of Visa, making it easy to earn Bitcoin online or in-store.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get access to Fold+ member pricing on Amazon gift cards
- Each purchase activates a spin on the Spin Wheel Sweepstakes
- Enjoy boosted merchant offers
- Get up to 100% back in rewards after your purchases
- Annual Fee: Up to $150
- Foreign Transaction Fee: See Terms
- Over Limit Penalty Fee: See Terms
- Minimum Deposit Required: See Terms
- You don’t want an inquiry on your credit score or distrust credit cards
- You prefer to earn rewards in Bitcoin versus Ethereum, Litecoin, or other cryptocurrencies
- You're vigilant to ensure your use your wheel spins and don’t let them expire
Crypto.com Visa Card
Crypto.com Visa Card
At a Glance
The Crypto.com Visa Card is a prepaid crypto card that offers cash back crypto rewards with every purchase and rebates on subscriptions for lower tiers – and impressive travel perks for ultra-premium tiers. The card, from Crypto.com, requires varying CRO stakes to open but offers up to 8% back with every purchase.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn rewards paid in CRO token
- Earn rewards towards rebates with selected merchants
- Industry events access
- Five card tiers with increasing rewards per tier
- Priority customer service
- Foreign Transaction Fee: See Terms
- Over Limit Penalty Fee: See Terms
- Minimum Deposit Required: See Terms
- You prefer your rewards as cryptocurrency but don’t want to be tied to Bitcoin
- You want to earn rebates on your monthly subscription services
- You enjoy the Crypto.com ecosphere
- You don’t want to be tied to a credit card or have an inquiry on your credit report
First Citizens Cash Rewards Visa®
First Citizens Cash Rewards Visa®
- 17.99% to 26.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.99% to 26.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 26.99% to 29.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The First Citizens Cash Rewards Visa® offers cardholders a flat 1.5% cash back on all qualifying purchases. There is no limit to how much cash back you can earn, and this card adds your cash back rewards daily to your account. New cardholders can also take advantage of 0% interest over 12 months on balance transfers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 1.5% cash back on every $1 you spend
- Unlimited cash back potential
- 0% introductory APR for 12 months on balance transfers made within 90 days from account opening date
- Regular Purchase APR: 17.99% to 26.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 17.99% to 26.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $0
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $25
- You don’t want to pay an annual fee
- You would like to earn 1.5% cash back on your purchases
- You want to take advantage of 0% APR on balance transfers for 12 months
- You want the option of redeeming rewards as cash deposits or statement credits
Coinbase Card
Coinbase Card
At a Glance
The Coinbase Card is a crypto rewards debit card that features up to 4% back on all purchases in crypto for no annual fee. The card provides seamless integration with a user’s Coinbase wallet but comes with a number of transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Spend any asset in your Coinbase portfolio and earn rewards for each purchase
- Spend crypto everywhere Visa debit cards are accepted
- No annual fee or signup fee
- Phone and email support available whenever you need it
- Foreign Transaction Fee: See Terms
- Over Limit Penalty Fee: See Terms
- Minimum Deposit Required: See Terms
- You already use Coinbase
- You want to use your crypto to make purchases
- You prefer to earn cash back rewards in crypto and are willing to gamble on Stellar Lumens
- You do't want to pay an annual fee
- You understand the transaction fees the card charges
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What are Cryptocurrency Credit Cards?
Over the last five years, cryptocurrency credit cards have emerged as a groundbreaking financial tool, bridging the gap between the world of digital currencies and traditional banking. These cards allow you to use your cryptocurrency holdings to make purchases just like a regular credit card. Essentially, they act as a bridge, converting your digital assets into fiat currency at the transaction time. This means you can finally use your cryptocurrencies to pay for everyday expenses, whether shopping online or dining at your favorite restaurant.
How Do Crypto Credit Cards Work?
Crypto credit and debit cards look like typical payment cards. They can be used for purchases in many ways, just like other credit or debit cards, but with key differences:
Crypto Rewards Cards
The first type of crypto card is the crypto rewards credit card. A cryptocurrency rewards credit card is used to make purchases just like any other rewards card. However, instead of earning cash back or travel rewards, the rewards you earn are automatically used to purchase cryptocurrency that is deposited into your connected crypto account.
The type of cryptocurrency you earn depends on the card you have and the cryptocurrency you select. Each crypto credit card has a preset list of available cryptocurrencies. Some common crypto rewards currencies include:
- Bitcoin (BTC)
- Ethereum (ETH)
- Dogecoin (DOGE)
- Litecoin (LTC)
- Gemini Dollar (GUSD)
The amount of cryptocurrency you receive varies based on the rewards rate and the coin’s market value at the time of the transaction. Similar to regular rewards cards, many crypto cards earn a flat rate on purchases and bonus rewards on purchases in specific categories.
For example, let’s say you ‘ve got a card that earns 3% back in crypto rewards on gas, and your chosen cryptocurrency is Bitcoin. If you make a $100 gas station purchase with your card, you’ll earn $3 worth of Bitcoin based on the price of Bitcoin at the time the transaction is posted. There are no exchange fees to convert your rewards into cryptocurrency with a crypto credit card.
Crypto Payment Cards
The other main type of crypto card is the cryptocurrency payment card. When you use your crypto card to make a purchase, the card issuer converts the equivalent amount of your chosen cryptocurrency into the merchant’s local currency. This conversion happens instantly and seamlessly, allowing you to make hassle-free purchases. The card issuer handles the entire process, including the conversion and settling of the transaction with the merchant. At the same time, you enjoy the convenience of using your cryptocurrency as a means of payment.
These payment cards, typically crypto debit cards, let consumers use their crypto assets for payment, bypassing fiat currency and providing a dynamic card deposit balance depending on the rise (or fall) of their chosen blockchain asset.
Benefits of Crypto Cards
Using cryptocurrency cards offers a multitude of benefits:
Leverage Your Crypto Assets In the Real World
One of the key benefits is the ability to leverage your cryptocurrency holdings for real-world transactions. Instead of solely considering your digital assets as investments, you now have the opportunity to utilize them for practical purposes in your day-to-day life. This enables you to diversify your portfolio and maximize the potential of your cryptocurrencies.
Many Cards Offer Unique Bonuses
Additionally, crypto credit and debit cards often come with additional perks and rewards. Similar to traditional credit cards, certain cryptocurrency cards offer cash back rewards or loyalty points for each purchase you make. These rewards can be in the form of additional cryptocurrencies or even fiat currency, enhancing the value of your transactions. Other issuers or crypto brokerage sites may offer lucrative games, contests, or raffles exclusively for cardholders, giving them an additional way to amass plenty of crypto assets quickly.
Additional Security
Since crypto cards operate on the cutting edge of finance, it only makes sense that crypto cardholders can expect world-class security features. Crypto cards are very likely to offer comprehensive account security features, with multifactor authentication the most impressive. These safety measures keep your credit, crypto, and identity safe wherever you shop.
How to Get a Crypto Card
Applying for a crypto credit card or opening a crypto prepaid or debit account is straightforward. Here are the basic steps involved:
- Research and compare: Start by researching different cryptocurrency credit cards available in the market. Compare their features, fees, and benefits to find the one best suits your needs.
- Fill out the application: Complete the online form, providing accurate and up-to-date information. This may include personal details, proof of identity, and proof of address.
- Verification process: The card issuer will review your application and may require additional documents or information for verification purposes. Make sure to follow up promptly to avoid delays.
- Approval and issuance: If your application is successful, you will receive a confirmation, and your cryptocurrency credit card will be issued. Typically, it will be sent to your registered address or made available for digital download.
Tips for Using Your Crypto Cards
Once you receive your card, it’s important to manage it effectively to maximize its benefits. Here are some tips for managing your crypto credit card:
- Monitor your spending: Track your transactions and expenses to ensure you stay within your budget. Regularly reviewing your statements will help you identify any unauthorized charges or discrepancies.
- Pay off your balance: As with any credit card, paying off your balance in full and on time is crucial to avoid interest charges and penalties. Set up automatic payments or reminders to ensure you never miss a payment.
- Stay informed: Keep yourself updated on the latest developments in the cryptocurrency world. This will help you make informed decisions and take advantage of any new opportunities or features your card issuer offers.
Security Tips for Crypto Credit and Debit Cards
While cryptocurrency credit cards offer convenience and flexibility, it’s important to prioritize security to protect your digital assets. Here are some security considerations to keep in mind:
- Secure your crypto wallet: Your cryptocurrency wallet should be properly secured with strong passwords and two-factor authentication. You should also regularly back up your wallet and store the backups safely.
- Be careful with personal info: Avoid sharing your card details or personal information with unknown or untrusted sources. Be vigilant against phishing attempts or fraudulent websites that may try to steal your information.
- Regularly update your software: Keep your computer, smartphone, tablet, and other devices updated with the latest security patches and software updates. This will help protect against potential vulnerabilities and hacking threats.
Conclusion
Crypto cards have revolutionized the way we can use digital currencies in our everyday lives. By unlocking the potential of our cryptocurrency holdings, these cards provide convenience, versatility, and additional rewards. However, it’s crucial to choose the right card, manage it effectively, and prioritize security to make the most out of this financial tool. With the right knowledge and precautions, cryptocurrency credit cards can be a game-changer in the world of finance. So why wait?
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Crypto Credit Cards
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