Best crypto cards for AI spending in 2026
A small group of crypto cards now gives extra value on ChatGPT, Claude, Gemini and other AI subscriptions. This guide compares the actual offers, the tiers behind them and the easiest way to unlock each one.
How we chose
What determines the order
We look first at what you need to unlock the offer, then compare the AI cashback rate, limits and supported services.
Works with named AI services
We start with cards that clearly include an AI category or a service such as ChatGPT, Claude or Gemini, so the comparison stays focused on subscriptions people can actually use.
Useful rate and limits
We compare the rate with its monthly or annual limits, because a high percentage can be less valuable when it applies to only a small amount of spending.
Easy to unlock
A benefit available on the base card ranks ahead of one that needs millions of points, a paid plan or a long token lock.
Cards with an AI benefit on the base plan come first. Points thresholds, paid plans and token locks move an offer lower even when its headline rate is higher.
Ranking results
Current leaders
Based on the latest card terms we checked and the criteria above.
Bleap Card
Self-custody Mastercard for USDC/EURE spend with zero core card fees, phone wallets and capped category cashback.
Best for20% at ChatGPT, Gemini, Claude. Available on the base card with no staking, lockup or opt-in required.
Watch outEligible-spend limits: ChatGPT €30/month · Gemini €20/month · Claude €250/year.
- Base card
- 20% · ChatGPT / Gemini / ClaudeEligible-spend limits: ChatGPT €30/month (up to €6 cashback) · Gemini €20/month (up to €4 cashback) · Claude €250/year (up to €50 cashback)
Solid Card
Virtual Visa with 3%-5% USDC cashback; higher category rates depend on Prime or Ultra, first-purchase rules and shared monthly caps.
Best forPrime: 10% · ChatGPT / Claude / Gemini / Perplexity / Cursor / Midjourney / GitHub Copilot · Ultra: 20% · ChatGPT / Claude / Gemini / Perplexity / Cursor / Midjourney / GitHub Copilot
Watch outPrime: $199/year or $199 annual Prime subscription or lock 50,000 FUSE for 12 months before October 12, 2026; new locks require 70,000 FUSE from that date · Ultra: Lock 400,000 FUSE for 12 months before October 12, 2026; new locks require 600,000 FUSE from that date. AI cashback follows the spending bands of the selected tier.
- Prime
- 10% · ChatGPT / Claude / Gemini / Perplexity / Cursor / Midjourney / GitHub Copilot$199 annual Prime subscription or lock 50,000 FUSE for 12 months before October 12, 2026; new locks require 70,000 FUSE from that date · First eligible purchase in this category per calendar month; replaces base cashback and shares the $100 monthly tier cap. Direct merchant billing required; PayPal, app-store billing and travel agencies do not qualify. · Subscriptions paid before October 5 keep 25% while continuously paid; one purchase per category/month, max $50 cashback per payment, within the shared $100 cap.
- Ultra
- 20% · ChatGPT / Claude / Gemini / Perplexity / Cursor / Midjourney / GitHub CopilotLock 400,000 FUSE for 12 months before October 12, 2026; new locks require 600,000 FUSE from that date · First eligible purchase in this category per calendar month; replaces base cashback and shares the $200 monthly tier cap. Direct merchant billing required; PayPal, app-store billing and travel agencies do not qualify. · Subscriptions paid before October 5 keep 50% while continuously paid; one purchase per category/month, max $50 cashback per payment, within the shared $200 cap.
Plasma One Card
Visa stablecoin card with XPL cashback tiers, Plasma Earn and Core and Platinum physical-card paths; no ATM withdrawals.
Best forCore offers a straightforward paid route to AI rewards, while Platinum suits existing XPL holders who want the higher rate and bundled AI subscriptions.
Watch outThe token-lock route lasts 12 months, so compare its live dollar value below with the $199 annual Core option.
- Core
- 5% on first $250/month · 4% on next $250 · 1% after $500 · ChatGPT Go subscription$199/year or lock 20,000 XPL for 12 months (about $1,628 now). Includes up to $8/month toward ChatGPT Go.
- Platinum
- 10% on first $500/month · 5% on next $500 · 1% after $1,000 · Claude Pro and ChatGPT Pluslock 150,000 XPL for 12 months (about $12,209 now). Includes up to $20/month each toward ChatGPT Plus and Claude Pro.
Live XPL reference: $0.0814. Plasma lock values above use this price and update automatically. . CoinGecko
Side by side
Compare the top three
| Metric | Bleap Card | Solid Card | Plasma One Card |
|---|---|---|---|
| AI-specific benefit | 20% at ChatGPT, Gemini, Claude | Prime: 10% · ChatGPT / Claude / Gemini / Perplexity / Cursor / Midjourney / GitHub Copilot · Ultra: 20% · ChatGPT / Claude / Gemini / Perplexity / Cursor / Midjourney / GitHub Copilot | Core: 5% · ChatGPT Go subscription · Platinum: 10% · Claude Pro and ChatGPT Plus |
| Plan or qualification gate | No staking, lockup or opt-in required | Prime: $199/year or $199 annual Prime subscription or lock 50,000 FUSE for 12 months before October 12, 2026; new locks require 70,000 FUSE from that date · Ultra: Lock 400,000 FUSE for 12 months before October 12, 2026; new locks require 600,000 FUSE from that date | Core: $199/year or 20,000 XPL locked for 12 months · Platinum: 150,000 XPL locked for 12 months |
| AI reward limit | Eligible-spend limits: ChatGPT €30/month · Gemini €20/month · Claude €250/year | AI cashback follows the spending bands of the selected tier | Core: 5% on first $250/month · 4% on next $250 · 1% after $500 / Platinum: 10% on first $500/month · 5% on next $500 · 1% after $1,000 |
| Reward asset | USDC | USDC | XPL |
| Base plan | $0 | $0 | $0 |
| Card network | Mastercard | Visa | Visa |
Beyond the leaders
Full ranking
Bleap offers AI cashback on the base card. Solid uses paid or FUSE tiers, while Plasma combines paid or XPL tiers with AI benefits.
Bleap Card
Self-custody Mastercard for USDC/EURE spend with zero core card fees, phone wallets and capped category cashback.
Best for20% at ChatGPT, Gemini, Claude. Available on the base card with no staking, lockup or opt-in required.
Watch outEligible-spend limits: ChatGPT €30/month · Gemini €20/month · Claude €250/year.
Solid Card
Virtual Visa with 3%-5% USDC cashback; higher category rates depend on Prime or Ultra, first-purchase rules and shared monthly caps.
Best forPrime: 10% · ChatGPT / Claude / Gemini / Perplexity / Cursor / Midjourney / GitHub Copilot · Ultra: 20% · ChatGPT / Claude / Gemini / Perplexity / Cursor / Midjourney / GitHub Copilot
Watch outPrime: $199/year or $199 annual Prime subscription or lock 50,000 FUSE for 12 months before October 12, 2026; new locks require 70,000 FUSE from that date · Ultra: Lock 400,000 FUSE for 12 months before October 12, 2026; new locks require 600,000 FUSE from that date. AI cashback follows the spending bands of the selected tier.
Plasma One Card
Visa stablecoin card with XPL cashback tiers, Plasma Earn and Core and Platinum physical-card paths; no ATM withdrawals.
Best forCore offers a straightforward paid route to AI rewards, while Platinum suits existing XPL holders who want the higher rate and bundled AI subscriptions.
Watch outThe token-lock route lasts 12 months, so compare its live dollar value below with the $199 annual Core option.
Scope and caveats
How to use this ranking
These rankings are a starting point, not a promise that one card suits everyone. Availability, fees and rewards vary by country and can change, so check the current terms before applying.
FAQ
Questions about this ranking
Why can a lower AI rate rank first?
The order starts with access, not the maximum percentage. A direct benefit can rank ahead of a higher rate that requires millions of loyalty points, an annual fee or a large token balance.
Which card is easiest to start with?
Bleap is the simplest current option because its 20% AI category sits on the base card without a paid tier, staking, token lock or rewards-points threshold.
Which card offers the highest AI cashback rate?
Solid Ultra lists 20% on new eligible AI subscriptions. Prime lists 10%, while Bleap lists 20% and Plasma lists 5% on Core or 10% on Platinum. Solid subscriptions paid before October 5 and continuously maintained retain Prime 25% or Ultra 50%, with one purchase per category/month, a $50 cashback cap per payment and shared tier caps. New Solid category rates also replace base cashback on the first eligible purchase per category/month.
Are the highest AI rates available on the free tier?
Not always. Some AI benefits require a points threshold, paid plan or large token balance. The comparison shows that requirement next to the advertised rate.