Non-custodial crypto cards
21 of the 36 cards on G2M, ranked by the G2M score. Top ranked: ether.fi Cash Card (90/100), Ethena Pay (83/100) and Solid Card (82/100).
With a custodial card, the company holds your crypto in its own account and you hold a balance with it, much like a bank or an exchange. With a non-custodial card, the funds stay in a wallet you control and only leave it when you pay.
Non-custodial means the company cannot freeze or lose the funds you have not spent yet, but you are responsible for your wallet and its recovery phrase. Some cards let you choose either way.
- Cashback
- 3% to 4%
- Annual fee
- Free
- FX fee
- 0.5%
- Custody
- Non-custodial
- Cashback
- 0.5% to 8%
- Annual fee
- Free
- FX fee
- 0%
- Custody
- Non-custodial
- Cashback
- 1.5% to 3%
- Annual fee
- Free
- FX fee
- 2%
- Custody
- Custodial or non-custodial
- Cashback
- 0.5% to 2%
- Annual fee
- Free
- FX fee
- Not published
- Custody
- Non-custodial
- Cashback
- Not published
- Annual fee
- $20
- FX fee
- 1.5%
- Custody
- Non-custodial
- Cashback
- Not published
- Annual fee
- Free
- FX fee
- 3%
- Custody
- Non-custodial
- Cashback
- Not published
- Annual fee
- Free
- FX fee
- 1%
- Custody
- Non-custodial
- Cashback
- 0.2% to 12%
- Annual fee
- Not published
- FX fee
- Not published
- Custody
- Non-custodial
Cashback and annual fee are for each card's range of tiers and its entry tier. Card data last checked 4 Nov 2026; each review lists its sources. See this list in the rankings to sort it by any column or pick your country.
What to check before you pick
- Keep your recovery phrase safe: with a non-custodial wallet nobody can reset it for you.
- Check which networks and tokens the card spends from, and the cost of moving funds there.
- Most cards still ask for an identity check (KYC), non-custodial or not.
- The rewards calculator works out what each card keeps you a year at your own spending, after every fee.
Questions
What are the best non-custodial crypto cards?
On the G2M score, the top-ranked non-custodial crypto cards are ether.fi Cash Card (90/100), Ethena Pay (83/100) and Solid Card (82/100). The score uses the same rules for every card: rewards, fees, where it works, banking features and who holds your funds.
How many non-custodial crypto cards are there?
21 of the 36 crypto cards on G2M.