Crypto rewards cards are evolving fast, and 2024 is the year governance token rewards truly hit the mainstream. No longer just about cashback or generic crypto points, today’s best crypto rewards cards actually give you a seat at the table in DeFi protocols. That means you’re not just stacking coins – you’re earning governance tokens that let you vote, propose changes, and shape the future of decentralized finance. If you want to maximize your earnings and your influence, this list is for you.
Why Governance Token Rewards Matter in 2024
Governance tokens are more than just tradable assets – they’re your ticket to real decision-making power in top DeFi projects. Earning them through everyday spending is a game-changer for anyone who wants to move beyond passive investing and start actively participating in protocol upgrades, fee structures, and treasury allocations.
For 2024, we’ve zeroed in on six standout crypto rewards cards that deliver not only competitive returns but also direct access to on-chain governance. Let’s break down what makes each one unique and how they can supercharge both your portfolio and your voice in Web3.
Top 6 Crypto Rewards Cards with Governance Token Perks (2024)
-
Crypto.com Visa Card — Earn up to 8% back in CRO, the platform’s governance and utility token. Higher-tier cards unlock perks like Spotify/Netflix rebates and Priority Pass lounge access. CRO holders can participate in DeFi governance on the Cronos chain.
-
Monolith Visa Debit Card — Spend crypto and earn MKR and ETH rewards. MKR holders gain on-chain governance rights over the MakerDAO protocol, letting users help steer DeFi innovation.
-
Wirex Mastercard — Get up to 8% Cryptoback™ rewards in WXT, and access DeFi token reward options. WXT offers governance participation and staking benefits within the Wirex ecosystem.
-
Nexo Card — Earn daily rewards in NEXO tokens with every purchase. NEXO holders enjoy governance voting and enhanced yields, plus zero-fee FX and instant crypto credit lines.
-
ClubSwan Crypto Card — Enjoy multi-token rewards (BTC, ETH, and more) and DAO governance perks. ClubSwan’s platform gives users voting rights on ecosystem upgrades and exclusive lifestyle benefits.
-
Plutus Visa Card — Earn PLU token rewards with every spend. PLU holders can vote on Plutus DAO proposals, gaining a voice in the platform’s evolution and unlocking extra perks like subscription rebates.
1. Crypto. com Visa Card (CRO Rewards and DeFi Governance)
The Crypto. com Visa Card remains a heavyweight champ for DeFi fans. It offers tiered CRO token rewards (from 1.5% up to a jaw-dropping 8% back), depending on how much CRO you stake. CRO isn’t just a reward – it’s your key to voting on network upgrades and community proposals within the Cronos ecosystem. Higher-tier cardholders also enjoy Spotify/Netflix rebates and airport lounge access, making this card equally attractive for lifestyle perks.
If maximizing both passive income and governance clout is your goal, this card is tough to beat for all-around utility.
2. Monolith Visa Debit Card (MKR/ETH On-Chain Governance Rewards)
Monolith is legendary among Ethereum purists for being one of the first non-custodial DeFi cards tied directly to an Ethereum wallet. Spend from DAI or ETH balances, and earn MKR or even ETH as cash-back rewards – both core governance tokens for MakerDAO and Ethereum itself! This means every purchase can help you accumulate real voting power over some of DeFi’s most important protocols.
The Monolith card is especially popular with users who want true control over their funds while stacking governance tokens with every transaction.
Have you used a crypto rewards card to earn governance tokens? If so, which one do you prefer?
Crypto rewards cards let you earn governance tokens, giving you a say in DeFi platforms. We want to know which card you’ve used (or would like to try) for earning governance token rewards!
3. Wirex Mastercard (WXT Rewards with DeFi Token Options)
Wirex Mastercard takes flexibility seriously by letting users earn up to 8% back in Wirex Tokens (WXT), which can be swapped into other top DeFi governance tokens within their app ecosystem. The more WXT you stake, the higher your reward tier climbs – plus, Wirex supports dozens of cryptos so you can spend USDT one day and ETH the next.
This card stands out if you value multi-chain support and want to experiment with different governance ecosystems without juggling multiple wallets or platforms.
Nexo Card (NEXO Token Rewards and Governance Participation)
The Nexo Card, powered by NEXO tokens, lets users earn up to 2% back on purchases while unlocking voting rights on Nexo platform decisions ranging from new asset listings to interest rate changes. The more NEXO you hold or stake, the greater your influence over platform policy – not just your yield!
Nexo’s seamless integration with its lending ecosystem makes it an easy pick for anyone already using Nexo’s services or looking for low-friction entry into on-chain decision-making.
ClubSwan Crypto Card (Multi-Token Rewards with DAO Governance Perks)
ClubSwan takes a unique approach by offering rewards in a basket of governance tokens across multiple DAOs, rather than locking you into just one protocol. Every purchase can earn you tokens like ETH, MKR, or even niche DAO assets, depending on your reward preferences. This multi-token strategy is perfect for DeFi explorers who want to diversify their influence and participate in several communities at once.
What really sets ClubSwan apart is its exclusive access to private Discord channels and governance discussion groups for cardholders. If you’re looking to network with other active DAO voters and stay ahead of emerging proposals, this card delivers both social and financial upside.
Plutus Visa Card (PLU Rewards with DAO Voting Rights)
The Plutus Visa Card is a favorite among those who want simple spending paired with direct protocol influence. Earn up to 3% back in Pluton (PLU) tokens on all card purchases – and every PLU token comes with voting rights in the Plutus DAO. That means your coffee run or online shopping spree could help decide the next big feature or fee change on the platform.
Plutus also lets you choose unique perks each month, from Netflix subscriptions to extra yield boosters, making it one of the most customizable cards on our list. For users who want their spending power to translate into real governance action, Plutus is a no-brainer.
Comparing Top Crypto Rewards Cards for DeFi Governance
| Card | Main Reward Token(s) | Governance Perks | Reward Rate | Special Features |
|---|---|---|---|---|
| Crypto. com Visa | CRO | Cronos voting rights | 1.5% – 8% | Lounge access, rebates |
| Monolith Visa Debit | MKR/ETH | MakerDAO and Ethereum votes | Variable (via DAI/ETH spend) | Non-custodial wallet integration |
| Wirex Mastercard | WXT and DeFi options | Select DeFi governance tokens via swaps | Up to 8% | Multi-chain support, flexible rewards |
| Nexo Card | NEXO | Nexo platform votes and proposals | Up to 2% | Lending integration, instant crypto credit lines |
| ClubSwan Crypto Card | Diversified (ETH/MKR/DAOs) | Bespoke DAO voting across protocols | Variable (multi-token) | VIP Discord access, multi-asset rewards |
| Plutus Visa Card | PLU | Plutus DAO voting rights |
How to Pick the Best Crypto Rewards Card for You?
xChoosing between these top crypto rewards cards isn’t just about chasing the highest APY – it’s about aligning your daily spending with your values as a DeFi participant. Ask yourself: x
- Which protocols do I want to help govern? Do you care more about MakerDAO’s stability or Plutus’s flexibility?
- What’s my preferred risk/reward profile? Higher staking often means higher rewards but more volatility.
- Do I value lifestyle perks or pure on-chain influence?
If you’re new to crypto rewards cards or want a deep dive into how each program works behind the scenes, check out this video explainer:
xx
x
The bottom line? The best crypto rewards cards of 2024 don’t just pad your wallet – they empower you as an active stakeholder in tomorrow’s decentralized world. Whether you’re all-in on Cronos or want exposure across several DAOs, there’s never been a better time to let your everyday purchases shape the future of DeFi.
xWhich crypto rewards card would you choose to maximize both rewards and governance influence?
With more crypto cards offering governance token rewards, you can now earn while having a say in DeFi platforms. Which of these top 6 cards would you pick for the best mix of rewards and governance power?
x
About the Author
