Since we're in a resurgence of the "crypto cashback" cards, here's everything I learned using crypto debit cards in 2020 and 2021 before diving back in for 2025 1) Check the rules on the % cashback. While the graphic will say 3%! 4%! 5%!, the fine print will clarify any conditions, like "only on the first $10k spent" or "only on airfare and travel" or "only if you stake $50k with us" 2) Double-check the exchange rates. If your 5% BTC-back card values Bitcoin 3% lower than the market when converting purchases, you’re effectively losing that spread, making a 2% fiat or points card the better deal. Likewise, if your 5% BTC cashback is calculated using a BTC price that’s 3% higher than market, then your effective return is about 2% lower, meaning you’d be better off with a 2% fiat or points card. 3) Have good tax software. Crypto sales are taxable events, and even paying gas on on-chain transactions (like borrowing USDC) can trigger taxable events. I’ve had a hard time finding software that categorizes everything correctly on import and I had to record 707 transactions from my crypto debit cards. Ofc if the main goal is not maximizing cashback and instead to have a simple, automated DCA into crypto, or to borrow against your crypto assets without selling them, then a crypto card makes perfect sense and I'm exploring this new wave of cards for this purpose. But since people are throwing around that 5% back is the main benefit over 2% back regular cards, you should know the caveats that can wipe out that extra 3%