How TxSpend works
TxSpend is an independent site that compares crypto cards by how much they are actually used, next to their cashback and fees.
Right now we track 47 cards, 20 of them with verified on-chain spend.
On-chain spend
- Monthly card spend settled on-chain comes from Paymentscan (paymentscan.xyz) and is refreshed every day.
- Only spend that can be verified on-chain is ranked. When an issuer’s figure includes its own off-chain numbers, we show it separately and leave it out of rankings and totals.
- Cards that settle off-chain, like many exchange cards, have no public spend data, so they aren’t ranked by usage.
Card details
- Cashback, fees, tiers, limits and regions come only from each issuer’s official site.
- Every card page shows the date it was last checked. The official pages are re-checked automatically every week, and a person reviews any change before a number is updated.
- When an issuer doesn’t publish a number, we say so instead of guessing.
Cashback and yearly value
- The headline cashback is the base tier anyone can get. Higher tiers are listed separately with what they require.
- “Kept per year” is cashback minus the annual fee at $1,000 of spend a month. Tiers that need staking, holdings or a VIP level aren’t counted.
- Cashback caps are applied, so a capped card shows what you would really get. Tiers you reach through card spend alone are counted at that spend.
Rankings and lists
- The main ranking and the monthly reports use verified on-chain spend only.
- Each best-of list states its own rule on the page, such as yearly value or on-chain spend.
- Cards that are discontinued, paused or waitlist-only leave the rankings and get a status page with alternatives.
Referral links
- Some sign-up links are referral links, marked as sponsored. If you sign up through one, we may earn a commission at no extra cost to you.
- Referral links never change how a card is ranked or described.
Card News
- Card News collects headlines from crypto news sites, Google News and issuers’ own announcements every two hours. We link to the original article and don’t rewrite it.
Updates and contact
- The site is rebuilt every day with the latest data. It’s available in English, Spanish, Portuguese and Korean.
- Spotted a mistake, or run a card that should be listed? Reach us on X or Instagram (@txspendcards), or use the list-your-card form.
- Nothing here is financial advice.