Crypto Card Report
Last verified: 2026-07-12
At $1,000/month in United States, Tria Card pays the most: $60 back a month — an effective 6.00% — after fees, caps, and FX are priced in.
Every number here comes from the card's own tier data, run through the same math for every card — marketed rate in, real fees and caps out. No card pays to rank higher. Full methodology.
Ranked for $1,000/mo · United States
| Rank | Card | Tier | Effective rate | Net $/mo |
|---|---|---|---|---|
| 1 | Tria Card⚠ unconfirmed details | Premium | 6.00% | $60 |
| 2 | Coinbase Card⚠ unconfirmed details | Standard | 4.00% | $40 |
| 3 | ether.fi Cash | Core | 3.00% | $30 |
| 4 | MetaMask Card | Metal | 1.01% | $10 |
FAQ
How do you calculate the effective cashback rate?
I take the marketed rate, run it through the card's real tier bands and monthly caps, subtract annual/monthly/issuance fees (amortized over year one), subtract FX cost on your foreign-spend share, and if the card requires staking a volatile token, subtract a 15% annual depreciation haircut on that locked-up capital. What's left, divided by your spend, is the effective rate. Full math is on /methodology.
Why don't I see Crypto.com or Brighty in the rankings?
Crypto.com's own site currently shows two different cashback percentages for the same tier on two different official pages — I'm not averaging two contradictory numbers and calling it data. Brighty doesn't publish a fixed rate at all; it's dynamic and shown only inside the app. Both appear the moment I can confirm real numbers from a primary source, not before.
What's the 15% staking haircut, and why apply it?
Some cards only pay their top rate if you lock up a volatile token (not a stablecoin). That capital carries real depreciation risk while it's stuck there. I assume a conservative 15%/year value loss on it, same assumption a competitor in this space uses, and net it against the reward. Turn off "include staking cards" above if you'd rather only see cards with no lockup at all.
Do you get paid for these rankings?
I earn a commission if you sign up through my links or codes, and you pay the same or less either way. The commission has zero effect on the math above — rankings are computed from each card's actual terms, not from who pays the most.
How often is this data re-verified?
At minimum monthly, against each issuer's own site — not against my own cached notes and not against other comparison sites. Every card shows a last-verified date. If a rate gets nerfed, I log it the same day I catch it.