Is your crypto card doing enough? 6 things worth comparing

OKX Learn

Published on Aug 20, 2026

Updated on Aug 20, 2026

4 min read

Crypto cards make it easier to use crypto for everyday spending. But if you already have one, simply being able to pay isn’t necessarily enough. Cashback, fees, earning opportunities and the conditions attached to those benefits can make a meaningful difference. Here are six things worth comparing when choosing a crypto card.

1. How much cashback can you actually earn?

A headline cashback rate only tells part of the story. It’s also worth checking the monthly cap, which purchases qualify and whether you need to stake assets or pay for a subscription to access the advertised rate.

Eligible OKX Card users earn 2% regular cashback. During the current offer, the standard monthly cashback cap is increased from €10 to up to €20 per calendar month. VIP cashback rates and caps remain unchanged. Cashback is paid in USDG.

2. Does the card reward spending you already do?

Rewards can be more useful when they apply to things you already pay for. Eligible OKX Card users can select Netflix, ChatGPT or Claude and receive additional cashback on their selected subscription, up to €10 per month. This subscription cashback is on top of regular Card cashback and doesn’t use up your regular cashback cap. Availability is on a first come, first served basis.

3. Can your assets earn before you spend them?

It’s also worth considering what happens to the assets sitting in your account before you make a purchase.With OKX Pay Boost, users can add USDG to Pay Boost to earn up to 3.5% APY. You can pay, send, or spend with your USDG while it continues earning.

4. What fees does the card charge?

Look beyond the annual fee. Recurring charges and foreign exchange fees can add up if you use a card regularly. OKX Card has a €0 monthly or annual Card fee and 0% added OKX FX fee. Only a 0.1% conversion spread applies when the stablecoin funding your purchase is converted.

5. Do you need to stake or pay for a subscription?

Some crypto card programmes require you to lock up assets or subscribe to a paid plan to access certain benefits. OKX Card’s standard Card benefits don’t require staking or a paid subscription.

6. Does it make your crypto more useful?

Ultimately, a crypto card should make it easier to use the assets you already hold. OKX Card is designed to move crypto beyond holding and trading by letting eligible users use supported stablecoins for everyday purchases.

So, is your crypto card doing enough?

When comparing cards, look at the complete package rather than one headline benefit.

Benefit	OKX Card	Your average Crypto Card
Regular cashback rate	2%	0%
VIP cashback	Up to 10%	0%
Monthly cashback cap	Up to €20/month*	N/A
Earn on idle assets	3.5% Pay Boost	1.5% Cash Yield
Subscription savings	Save 50% on Netflix, ChatGPT or Claude* (limited time offer)	No
Monthly / annual Card fee	€0	€0 on Basic. Higher tiers charge fees
Staking / subscription required	No	Often applies
Added FX fee	0% OKX FX fee. Just a 0.1% conversion spread.	Basic: 0.2% within EU/UK; 2.0% outside EU/UK

Ask yourself:

What cashback rate do I actually receive?
Is there a monthly cap?
Do the rewards apply to things I already buy?
Can my assets earn before I spend them?
What fees will I pay?
Do I need to stake or subscribe to qualify?

For eligible users, OKX Card combines regular cashback, Pay Boost, no monthly or annual Card fee, and no added OKX FX fee, plus attractive promotional offers.

The current offer also increases the standard cashback cap to up to €20 per month and adds cashback on a selected Netflix, ChatGPT or Claude subscription, up to €10 per month.

Disclaimer

This content is provided for informational purposes only and may cover products that are not available in your region. It is not intended to provide (i) investment advice or an investment recommendation; (ii) an offer or solicitation to buy, sell, or hold crypto/digital assets, or (iii) financial, accounting, legal, or tax advice. Crypto/digital asset holdings, including stablecoins, involve a high degree of risk and can fluctuate greatly. You should carefully consider whether trading or holding crypto/digital assets is suitable for you in light of your financial condition. Please consult your legal/tax/investment professional for questions about your specific circumstances. Information (including market data and statistical information, if any) appearing in this post is for general information purposes only. While all reasonable care has been taken in preparing this data and graphs, no responsibility or liability is accepted for any errors of fact or omission expressed herein.

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