Cryptocurrency credit cards that earn crypto rewards through everyday shopping have really been increasing lately. However, I think many people are unsure about which one to choose.

In simple terms, the mechanism of cryptocurrency credit cards is straightforward. Instead of points, you receive crypto assets like Bitcoin as a reward for your usual purchases. The biggest advantage is that you can start with zero initial investment.

A practical way to choose is to first narrow down by annual fee. For example, the bitFlyer Card (Standard) offers 0.5% Bitcoin cashback with no annual fee. It's a safe choice for beginners.

If you want a higher cashback rate, the Zaif Card is a good target. It offers 0.8% cashback even when used outside Zaif, and if you spend over 100,000 yen annually, the next year's fee is also waived. It’s suitable for those who want to steadily accumulate Bitcoin.

For maximizing cashback, the Binance Japan Card’s 1.6% cashback is attractive. It’s a high level compared to traditional points-based credit cards.

Additionally, for those worried about price fluctuations, the HashPort Card might be a good option. It rewards you with a stablecoin called JPYC, which is linked to Japanese Yen, so you can accumulate rewards in a way similar to points. The cashback rate is 0.3%, which is lower, but it’s a good choice if you prioritize risk avoidance.

When choosing a cryptocurrency credit card, the key is to decide based on your lifestyle and what you value most—whether it’s the annual fee, cashback rate, or risk mitigation. The crypto assets you accumulate shouldn’t be checked daily; it’s better to hold them with a long-term perspective.