Best Cashback Cards in the United States

Non-custodial Visa cards are rare, and Tria pairs that with uncapped 1.5% cashback, which beats most entry-level competitors. The real catch is that cashback is not paid immediately but held until the Token Generation Event, making the reward timeline uncertain. The $90 physical card fee also stings.

The Tria Card is issued by Rain out of Puerto Rico and runs on the Visa network. It is a non-custodial debit card denominated in USD. Both physical and virtual cards are available, priced at $90 and $20 respectively, and the card supports Apple Pay. Funding requires a manual preload rather than automatic conversion; a 0.4% conversion fee applies when moving crypto to cover spending. The card supports USDC and USDT across six blockchains. It is available in 223 countries with no foreign transaction fee. KYC is required and no linked bank account or IBAN is provided. Daily spend limit is $1,000,000 and daily ATM withdrawal is capped at $750, with ATM fees of $1 plus 1% per withdrawal.

On the default Virtual tier ($2 per month), cardholders earn 1.5% USD cashback on the first $100 spent each period, then 0.5% beyond that, with no monthly cap. Higher tiers unlock better rates: Signature ($9 per month) pays 4.5% on the first $1,000 then 1%, and Premium ($21 per month) pays 6% on the first $2,000 then 1%. A typical user on the free-entry tier realistically earns close to the 0.5% ongoing rate for most of their spending. One important caveat: cashback is not distributed immediately and is scheduled for release after the project's Token Generation Event, so the timing is not guaranteed.

Ether.fi stands out for self-custody and zero conversion, FX, and monthly fees. The 3% cashback sounds impressive but the $60 monthly cap on the Core tier makes it largely symbolic. Unlocking meaningful cashback requires serious spending or a large $ETHFI stake.

The Ether.fi Card runs on the Visa network and operates as a non-custodial debit card denominated in USD. Both a physical card and a free virtual card are available, with the physical card costing $40. Apple Pay is supported. The card auto-converts stablecoins including USDC, USDT, frxUSD, and liquidUSD at zero conversion cost with no FX fee. It is available across 226 countries. KYC is required. Cardholders receive a US bank account and can accept third-party deposits, though no IBAN is provided. Daily spend limits are unlimited, and the daily ATM withdrawal limit is $750.

The Core tier pays 3% cashback on the first $2,000 of monthly spend, then drops to between 0.5% and 1% for the remainder, with a $1,000 monthly cashback cap overall. However, the entry cashback cap is effectively $60 per month, which means most everyday spenders will hit the ceiling quickly. Upgrading to Luxe or Pinnacle tiers raises the 3% window to $10,000 or $50,000 respectively, but access requires either accumulated points from heavy card spending or staking substantial amounts of $ETHFI tokens. A welcome promotion offers up to 15% cashback on dining, though this is time-limited. Cashback is paid in crypto.

Gemini Card earns well on dining and has a clean fee structure with no monthly or inactivity charges. The 1.74% conversion cost quietly erodes rewards for anyone spending outside bonus categories, and the custodial model means you never truly own the crypto until you move it.

The Gemini Card runs on the Mastercard network and is issued in the United States only. It is a credit card with custodial crypto rewards, meaning Gemini holds your earned crypto on your behalf. The card supports Apple Pay. There is no auto-conversion at point of sale; Gemini converts spending into USD credit while rewards are paid in crypto from your Gemini account. Crypto-to-fiat conversion carries a 1.74% cost. The card is available only to US residents and KYC verification is required. No personal bank account or IBAN is provided. Daily spend limit is $25,000 and daily ATM withdrawals are capped at $1,000, with ATM withdrawals costing 3%.

The card pays 3% crypto back on dining including restaurants, bars, and fast food, 2% on groceries at traditional and specialty food stores (wholesale clubs and some specialty retailers excluded), and 1% on all other qualifying purchases. A promotional rate of 10% crypto back applies to gas station pump and EV charging spend, capped at $200 per month and a total of $2,400 over the promotional period, dropping to 1% after the monthly cap. Unused monthly gas limits do not roll over. The 3% dining rate has a cap of $750 in rewards. A $15 welcome bonus applies. Rewards are paid in the crypto of your choice from Gemini's supported asset list.

A 2% uncapped base cashback rate is genuinely competitive, and the non-custodial setup is rare at this price point. The catch is real: rewards pay out in XPL tokens, not cash, and squeezing the best rates requires staking thousands of dollars worth of a native token most users have never heard of.

Plasma One is issued by Rain out of Puerto Rico and runs on the Visa network. It is a non-custodial prepaid card denominated in USD. The card ships as a physical card only, with no virtual card option, and supports Apple Pay. Funding is via manual preload using USDC or USDT across eight supported blockchains, with no auto-conversion from other crypto assets. There is no conversion cost, but a 1% FX fee applies at the base tier. The card is available in 227 countries and KYC is required. Cardholders receive a US bank account, enabling third-party deposits, though no IBAN is provided. The daily spend limit is a generous $1,000,000 USD. ATM withdrawals are not supported.

The base Lite tier pays 2% cashback on the first $500 of monthly spend, then drops to 0.1% with no cap beyond that threshold. Cashback is calculated in USD but paid weekly in XPL tokens, which must then be converted to access cash value. The Core tier at $10 per month raises the headline rate to 3% on the first $1,000 and adds AI-category cashback. The Platinum tier, gated behind roughly $9,000 in staked XPL, reaches 4% plus 10% on AI spend. A typical free-tier user realistically earns 2% on modest monthly spend, tapering sharply after $500. There are no fixed monthly earning caps beyond the tiered thresholds.

Metal buys away the two weaknesses of the free card: the 1% cross-border fee and the 1% cashback rate. At $199 a year you need roughly $6,700 of annual spend before the 3% pays for itself. Worth it for heavy spenders in the US, and irrelevant everywhere else until it ships beyond it.

MetaMask Metal is provided by Baanx and issued by Monovate on the Mastercard network; MetaMask itself holds no funds. It draws on your self-custodial wallet across Linea, Base, Solana and Monad, spending mUSD, wETH, EURe, GBPe, USDC or USDT. Stablecoins matching your country or the merchant's carry no conversion fee, mismatched stablecoins cost 0.5% and volatile tokens such as wETH cost 0.875%. Limits are $20,000 per transaction and $30,000 daily, with ATM withdrawals capped at $5,000 a day. Replacement costs $99.

Metal pays 3% back in mUSD on the first $10,000 spent each year, then 1% above that, deposited automatically to a Money Account. Cross-border purchases carry no fee, subject to fair usage, and ATM withdrawals are free up to $1,200 a month before a 2% fee applies. Hotel bookings through MetaMask Card Travel earn 4% on top, taking Metal holders to 7% in total.

KAST stands out for zero conversion costs and broad country support across 177 markets, but the free tier's $30 cashback cap is a hard ceiling that limits value for anyone spending seriously. Paid tiers unlock meaningfully higher caps, yet $85 to $850 per month is steep pricing to justify on cashback math alone.

KAST Card is issued by Rain out of Puerto Rico and runs on the Visa network. It is a custodial debit card denominated in USD. Both a free virtual card and a physical card are available; the physical card costs $40 to ship at the standard tier but ships free on paid tiers. Apple Pay is supported. The card auto-converts stablecoins including USDT, USDC, USDE, PYUSD, and RLUSD at the point of purchase across 13 blockchains, with zero conversion cost. Foreign currency transactions carry a 1.75% FX fee. The card is available in 177 countries and KYC is required. Cardholders receive a US bank account, enabling third-party USD deposits, though no IBAN is provided. Daily spend is unlimited; daily ATM withdrawals are capped at $750.

The free standard tier pays 1.5% cashback in USD, hard-capped at $30 per month, which means the cap is hit at $2,000 in monthly spending. Premium tier ($85/month) raises cashback to 2% with a $200 cap and adds 1% back in KAST Points with no cap. Private tier ($850/month) pays 3% cashback up to $1,500 plus 2% in KAST Points uncapped. One KAST Point is currently valued at $0.08, though KAST plans a token launch in Q4 2026 that could change point economics. Cashback becomes redeemable after 14 days and is applied automatically toward future card purchases. A task-based bonus system also exists for actions like deposits and card use, though specific bonus amounts are not fixed.

Most tiered cashback cards make you pick a category or track a calendar. Venmo picks for you, every month, based on where you actually spent. Add no annual fee and no foreign transaction fee and it is a strong everyday card. The crypto link is real but small: free conversion of cash back, nothing more.

The Venmo Credit Card is issued by Synchrony Bank on the Visa network, as either a Visa or a Visa Signature depending on approval. Applicants must be 18 or over, live in the United States or its territories, and hold a Venmo account open at least 30 days. Purchase APR is 18.74%, 27.74% or 30.74% depending on creditworthiness, with cash advances at 30.74% and a penalty rate of 34.24%. Rates were current at 1 January 2026 and vary with the prime rate. Paper statements cost $1.99 a month.

Cash back is calculated each statement period across eight categories: Dining & Nightlife, Travel, Bills & Utilities, Health & Beauty, Grocery, Gas, Transportation and Entertainment. Your highest-spending category earns 3%, the second highest 2%, and everything else 1%, with no minimum spend and no cap on the 3% and 2% tiers. Rewards transfer automatically to your Venmo balance, where they can be spent, sent or withdrawn. Using them to auto-purchase crypto carries no transaction fee, though the exchange rate includes a spread.

Fold carved a niche with its Bitcoin-back spin rewards and gamified app, but the free tier is essentially decorative. You must pay $10 a month to earn any cashback at all, which undercuts the value proposition for casual users. Competitors hand out 1% at no cost.

Fold Card runs on the Visa network and operates as a custodial prepaid card denominated in US dollars. Both a physical card and a virtual card are available at no issuance cost, and Apple Pay is supported. The card requires manual preloading rather than automatic conversion, and a 1% crypto-to-USD conversion fee applies on the paid Spin+ plan, rising to an effective cost on the free tier as well. Rewards are paid in Bitcoin, the only supported asset. The card is available exclusively in the United States and KYC verification is required. A personal US bank account can be linked, and third-party deposits are accepted. Daily spend limit is $10,000 and daily ATM limit is $1,000.

Free-tier cardholders earn zero cashback. The $10 per month Spin+ plan unlocks up to 1.5% back in Bitcoin on travel, dining, and entertainment purchases, and 0.5% on all other card spending. The signature feature is a spin mechanic in the Fold app where each transaction earns a spin for a chance at bonus Bitcoin rewards. A $12 welcome bonus is available for new users. Realistically, a typical free-tier user earns nothing, making the headline 1.5% rate misleading without the paid subscription factored into the net return.