🇺🇸 United States
Which crypto cards accept US residents, and the tax and state licensing rules behind the restrictions.
The US is well served on paper and restricted in practice. State money transmitter licensing is why several top ranked cards exclude the market entirely.
Under reporting card based disposals is the most common compliance mistake here.
This page is information, not legal or tax advice. Always comply with the laws that apply where you live.
IRS Notice 2014-21 treats virtual currency as property. Paying with crypto realises capital gain or loss on the disposed asset, including a coffee purchase.
Digital asset brokers report gross proceeds on Form 1099-DA for transactions from 2025 onward, with basis reporting phasing in after that.
Issuers must hold licences state by state, and New York's BitLicense is the strictest. This is the usual reason a card is unavailable in specific states.
Full KYC is mandatory. No-KYC products are not lawfully available to US residents from US issuers.
The charcoal cards below skip full identity checks, so they are usable from United States regardless of local issuer support. That convenience shifts the compliance and account freeze risk onto you, and it does not make prohibited activity lawful.
#1
Everyday spending while your collateral keeps earning
The instant 3% cashback card. EtherFi does everything you need for a crypto card.
#2
Everyday user, Corporate boss
A neat, high reward, low fee, neobank. This card targets your average user, and your corporate boss. Plus, you get $25 for signing up (after 3 purchases within 30 days)
#3
Holders who want to spend against BTC, ETH or SOL rather than sell it
A crypto-backed credit line that lets you spend without selling your holdings.
#4
Business and Business use.
A business and personal crypto wallet and card. No app yet, just a Telegram mini-app to handle everything you need. Bfinance is a crypto-fiat payment platform that allows busine...
#5
Global earners, travelers, freelancers and remote workers paid in stablecoins or multiple currencies
Global USD and EUR accounts with a Visa debit card, 1:1 stablecoin top-ups, fee-free EUR spending and a points-based rewards system, with an optional Pulsar Pro subscription.
#6
Kraken users in the UK, EEA, US - Not available in New York, Maine, Massachusetts, and Indiana.
Kraken's neobank-style card: IBAN salary deposits, multi-asset spending and integrated vaults.
#7
South African users and businesses that need a regulated on and off-ramp (ZAR, USD, EURO)
Licensed South African treasury infrastructure for moving between fiat and stablecoins.
#8
Larger one-off transactions
The best true Web3 architecture in the test, undermined by a $0.25 minimum fee per spend.
#9
Privacy-focused users
A privacy-first aggregator offering eight card options, including no-KYC issuance.
#10
Businesses funding SaaS and ad spend with stablecoins
A capable corporate expense platform with strong yield, let down by a 3% FX fee.
#11
Large USD and Solana-denominated spending
Solana-native and well built, but a flat micro-transaction fee punishes small purchases.
#12
Telegram users who want lounge access at a low entry cost
Telegram-native card management with cheap access to airport lounges.
#13
US residents, Chinese applicants.
A US Ready crypto card. A standard, no bull, just use case.
#14
No KYC Fnatics
No KYC comes with a cost.
#15
US Coinbase users who mainly spend USDC
Coinbase's Visa debit card: no card fees, variable crypto rewards, spread on every crypto swipe.
| # | Card | FX spread | Card cost | Base cashback | Custody | Setup time | Score |
|---|---|---|---|---|---|---|---|
| 1 | EtherFi | 0.51% | Free | 3% instant | Non-Custodial | ~8 minutes | 9.2/10 |
| 2 | Solid | 1% | Free | 3 | Custodial | 8 minutes | 7/10 |
| 3 | XPlace | 1% | Free | 1% + 1% | Non-Custodial | ~10 minutes | 8.5/10 |
| 4 | Bfinance Card | 1.5% | $1 (added straight to balance, so its free) | No cashback | Custodial | 10 minutes | 7.4/10 |
| 5 | Pulsar | 1% | Free (Pro $10/month optional) | 0.5% in Points (Free, first $500, then 0.25%); 4% in Points on Pro | Non-custodial (as stated by Pulsar) | 5-10 minutes | 6.8/10 |
| 6 | Krak | 0% | $0 | 0% (first cashback unlocks at $200 portfolio) | Custodial | ~20 minutes | 8/10 |
| 7 | EasyOnRamp | 1.3% | Free for Physical and Virtual | No cashback | Custodial | Multi-hour approval process | 7/10 |
| 8 | Oobit | 1% | Free | 1% (up to 10% on tiers) | Non-Custodial | ~7 minutes | 8.2/10 |
| 9 | KazePay | 2.17% | $25 | No cashback | Non-Custodial | ~15 minutes | 5.8/10 |
| 10 | Infini | 3% | 10 | 2% | Custodial | 20 minutes | 5/10 |
| 11 | Kast | 2% | $2 | 1.5%, locked for 14 days | Custodial | ~10 minutes | 6.3/10 |
| 12 | Karta | 2.5% | $5 | No cashback | Non-Custodial | 6 minutes | 6.4/10 |
| 13 | Stella Pay | 0% | Free | No cashback | Custodial | 1 Day | 5/10 |
| 14 | Offgrid | 0% | $49/yr - $197/yr | No cashback | Self-custody | Once you have a code, 5 minutes | 5/10 |
| 15 | Coinbase Card | 0% | $0 | Variable crypto rewards, rate shown in app (US only) | Custodial | Not rated yet |
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.