How to Earn Stablecoin Rewards with Your Crypto Card: A 2026 Guide

Key Takeaways

• Many crypto cards allow you to earn cashback rewards into cryptocurrencies of your choice for everyday spending.

• To earn stablecoin rewards, choose a crypto card which pays its rewards into stablecoins by default or offers automatic conversion into stablecoins.

• After earning stablecoin rewards, this balance can be used for a variety of purposes including earning yield through DeFi, or being used to send money abroad.

Many crypto credit cards will allow holders to earn stablecoins as rewards for spending. This can be an effective way of passively accumulating digital assets through everyday spending.

If not earned directly, users can also convert their into stablecoins, which can be a good way of locking in the value of your returns and avoiding market volatility. In this article, we explain how to earn stablecoins using a crypto credit card directly into your wallet, or through converting rewards earned in other currencies.

How to Choose the Right Card for Stablecoin Rewards

A stablecoin is a type of crypto which has its value pegged 1:1 to some type of fiat currency, most commonly the US dollar. The best way to start earning stablecoins with a crypto card  is to choose a card which either pays rewards natively in stablecoins like USDT or USDC, or has support to automatically convert crypto rewards you earn into stablecoins.

Some important things to consider include:    

• Keep an eye out for any additional fees which are charged when converting your rewards.

• Choose a provider with strong regulatory oversight to ensure your crypto cashback is kept safe.

• Ensure that the card provider supports the type of stablecoin you wish to lock in your rewards with.

How to Set Up and Fund Your Account

In order to set up an account for a stablecoin-earning crypto card, you’ll need to go through the KYC process for the associated provider and ensure that you’ve set up security measures for your account. You’ll then typically need to add a funding method, and top up your wallet balance if it is a crypto debit card. Best practice also involves enabling 2FA for your account.  

Earning Stablecoin Rewards on Spending 

Many crypto card providers will allow you to earn stablecoins as a percentage of spending that occurs on a crypto debit card or credit card. For example, some crypto credit card providers will offer up to 4% rewards on categories of spending such as fuel and transit, which cardholders can choose to receive in stablecoins such as USDT or USDC.

When choosing what card to use for this, make sure to check whether the card provider allows you to earn your crypto cashback in stablecoins. If they don’t allow this to earned natively,    

Making the Most of Your Stablecoin Rewards 

An added benefit of earning stablecoin rewards (or any crypto rewards) on your spending, is that you can put your stablecoin rewards to use after they reach your account. After the transaction has cleared, some providers may allow you  to use your earned stablecoins to earn yield or other rewards through DeFi activities such as staking to earn yield on your rewards.

Some exchanges will offer you the ability to automatically put your into yield or other reward generating activities on the platform. Different platforms will offer different DeFi opportunities and different returns depending on the activity, so make sure to check what kinds of DeFi activities are offered by the platform you choose.

You can also use your earned stablecoins for other things such as sending money abroad without having to pay unnecessary fees charged by banks, or you could simply convert your stablecoin rewards back into fiat currency. Some exchanges will offer fee-free conversion of stablecoins into fiat currency, so make sure to check what offers are available on the platform you choose.   

How to Redeem and Spend Stablecoin Rewards

In order to avoid paying unnecessary fees for withdrawing your stablecoins once your rewards have been converted or earned, stablecoins can be added back into your crypto debit card balance where they can be spent or used for other purposes such as DeFi.

By keeping a clear log of all of the rewards you earn and the conversions you make, you can report tax liabilities effectively and ensure transactions don’t go amiss. Using accounting tools or CSV spreadsheets can help make tracking your tax liabilities easy. Remember to look into how crypto taxes are calculated in your jurisdiction to stay in the know.

How to Stay Safe When Earning Stablecoin Rewards 

Earning stablecoins as rewards for everyday spending is a highly convenient way of accumulating digital assets passively.  Converting crypto rewards into stablecoins can also be a highly effective way of locking in the value of your rewards.

When using any however, it’s important to remember it is linked to your finances and remain vigilant with your security. 

Here are some of the key security tips to remember: 

• Always enable 2FA and use a unique password for your account.

• Keep funds that you are not using for your wallet balance in cold storage. This lessens the likelihood of funds being compromised.

• Never share passwords, private keys, or recovery phrases with anyone for any reason.

The Bottom Line  

Earning crypto rewards through everyday spending on a crypto credit or debit card can be a hugely convenient way of accumulating digital assets passively. These rewards, whether they were earned as a direct reward or converted from another crypto, can then be put to use to help you make the most of your wallet balance. 

Earned stablecoins can be used to generate yield through DeFi activities, to send money abroad without having to pay unnecessary fees, or even just converted back into fiat currency for zero fees which is offered by certain platforms. Be sure to look at all the available stablecoin reward offers before choosing what platform to use.    

For a secure and compliant crypto credit card which allows you to earn stablecoin rewards, consider the . 

Frequently Asked Questions (FAQ)

Do crypto cards allow you to earn stablecoin rewards?

Some card issuers will allow you automatically earn rewards in stablecoins, while others will require it to be converted, possibly for a fee. Make sure to check the terms of your provider. 

Is the conversion of my rewards into stablecoins a taxable event?

It depends on the tax jurisdiction you reside in, but it can be. Make sure to consult your local guidance. 

Are stablecoin rewards able to be spent immediately? 

Yes. Typically, once a stablecoin balance has hit your account, you will be able to spend it. This can vary however from provider to provider, as there may be a delay period. 

What kinds of things can I do with my stablecoin rewards?

 You can use stablecoin rewards for all kinds of use cases. These range from earning yield through DeFi activities, to sending money abroad. Some exchanges will also let you convert stablecoins to fiat fee-free.