Choosing the right crypto rewards card can help you earn Bitcoin and other cryptocurrencies while paying for everyday purchases. The best options offer different benefits, including cryptocurrency cashback, category-based rewards, flexible redemption options, and additional financial services.
Some of the top crypto rewards cards to compare in 2026 include the Gemini Credit Card, Venmo Credit Card, Fold Card, and Crypto.com card products. Each offers a different approach to cryptocurrency rewards, so the best choice depends on your spending habits, preferred digital assets, fees, and location.
For example, the Gemini Credit Card offers up to 4% back in eligible spending categories, while the Venmo Credit Card provides traditional cashback that eligible users can convert into cryptocurrency. Fold focuses on Bitcoin rewards, and Crypto.com offers card benefits connected to its CRO ecosystem and membership tiers.
However, not every card is available worldwide, and advertised reward rates may come with spending limits, subscription costs, or other conditions.
This guide compares popular crypto rewards cards, explains how their reward systems work, and explores the fees, risks, and features worth considering before applying.
What Are Crypto Rewards Cards?
Crypto rewards cards are payment cards that let users earn cryptocurrency or cryptocurrency-related rewards when making eligible purchases.
Instead of receiving only traditional cashback, cardholders may receive Bitcoin, Ethereum, or another supported digital asset. Depending on the issuer, rewards may be deposited directly into a cryptocurrency account or converted from conventional cashback.
Crypto rewards cards generally fall into three categories:
- Crypto credit cards: Allow users to borrow against a credit limit and earn cryptocurrency rewards on eligible purchases.
- Crypto debit cards: Deduct spending from an associated account or balance and may provide cryptocurrency rewards.
- Crypto prepaid cards: Require users to load funds before spending and may offer Bitcoin rewards or other incentives.
These products connect traditional payment networks with digital asset platforms. They can make cryptocurrency accumulation more convenient, but users should understand the differences between earning crypto rewards and actually paying for purchases with cryptocurrency.
How Do Crypto Rewards Cards Work?
Most crypto rewards cards follow a straightforward process:
- Apply for or activate an eligible payment card.
- Use the card to pay for qualifying purchases.
- Earn rewards according to the issuer’s program.
- Receive cashback, cryptocurrency, or another eligible reward.
- Hold, convert, or redeem the rewards according to the platform’s rules.
For example, a card offering 2% cryptocurrency rewards on eligible purchases would generate $20 worth of rewards on $1,000 in qualifying spending.
The actual amount of cryptocurrency received depends on the conversion price and the issuer’s reward calculation.
Some cards provide cryptocurrency immediately, while others credit rewards after transactions settle or a billing period ends.
What Are the Best Crypto Rewards Cards in 2026?
The following cards offer different approaches to cryptocurrency rewards. Their availability, fees, and eligibility requirements vary, particularly between the United States and other international markets.
1. Gemini Credit Card – Best for Category-Based Crypto Rewards
Trade Crypto, Predict Outcomes & Earn — All in One Platform | Gemini | Gemini
Category rewards
U.S. availability; issued by WebBank.
The Gemini Credit Card allows eligible cardholders to earn cryptocurrency rewards on everyday purchases, with rewards deposited into their Gemini accounts.
Official card details and application information
The Gemini Credit Card is worth considering for people who want to accumulate cryptocurrency through regular spending without paying an annual card fee.
Its published standard reward structure includes:
| Spending category | Reward rate |
|---|---|
| Gas, EV charging, transit, taxis and rideshare | 4% |
| Dining | 3% |
| Groceries | 2% |
| Other eligible purchases | 1% |
The 4% reward applies to up to $300 in eligible monthly spending within the category. Purchases beyond that limit earn 1% for the remainder of the month. Gemini+1
Key advantages:
- Cryptocurrency rewards on eligible purchases.
- Choice of supported digital assets.
- No annual fee under the published standard offer.
- No foreign transaction fees under the published card terms.
- Rewards deposited into a Gemini account.
Potential drawbacks:
- The highest reward rate has a monthly spending cap.
- Merchant category codes determine which reward rate applies.
- Credit approval is required.
- The card is not universally available internationally.
- Cryptocurrency rewards can decline in value.
The Gemini Credit Card is particularly interesting for consumers who regularly spend on dining, groceries, transportation, and fuel.
Before applying, review the issuer’s current terms and the treatment of transactions that do not qualify for category bonuses.
2. Venmo Credit Card – Best for Flexible Cashback and Crypto Conversion
Venmo Credit Card Features | No Annual Fee | Venmo
Flexible cashback
U.S. credit card product.
Venmo combines traditional credit card cashback with an option for eligible users to convert rewards into cryptocurrency.
Official Venmo rewards information
The Venmo Credit Card offers a different approach from cards that automatically distribute cryptocurrency.
Rather than requiring all rewards to be paid in digital assets, eligible cardholders can earn conventional cashback and choose to use an available cryptocurrency conversion feature.
Importantly, Venmo updated its reward structure for new accounts approved on or after September 24, 2026.
For accounts approved before September 24, 2026:
- 3% cashback on the top eligible spending category.
- 2% on the second-highest eligible category.
- 1% on other eligible purchases.
For accounts approved on or after September 24, 2026:
- 3% cashback on dining and entertainment.
- An additional 1% when splitting an eligible bill with friends.
- 3% when checking out with Venmo in other apps and online, or paying participating businesses through Venmo using the card.
These structures are subject to their respective program terms. Venmo+1
Key advantages:
- Flexible cashback earning.
- Optional cryptocurrency conversion for eligible users.
- Integration with the Venmo payment ecosystem.
- No annual fee under the published standard offer.
- Familiar credit card payment functionality.
Potential drawbacks:
- Reward structures depend on the account approval date.
- Cryptocurrency conversion is subject to separate terms.
- Credit approval is required.
- The product is primarily designed for eligible U.S. customers.
- Interest charges can outweigh rewards if balances are carried.
The Venmo Credit Card may be a practical option for people who prefer traditional cashback but also want the flexibility to accumulate cryptocurrency.
It is particularly important to distinguish cashback rewards from cryptocurrency purchases: converting cashback into Bitcoin or another supported asset may involve different terms and risks.
3. Fold Card – Best for Bitcoin-Focused Rewards
Bitcoin rewards
Separate credit and prepaid debit products.
Fold focuses on helping users accumulate Bitcoin through spending, purchases, and other rewards activities.
Fold official pricing and card information
Fold is especially relevant to Bitcoin enthusiasts who want to earn BTC instead of collecting conventional cashback.
An important distinction is that Fold now offers different card products, including a Bitcoin credit card and a prepaid debit card. Their rewards structures and fees should not be confused.
Fold Bitcoin Credit Card
The published credit card terms provide:
- 1.5% Bitcoin rewards on qualifying purchases, without a cap on base rewards.
- Up to an additional 2% in qualifying activity-based bonuses.
- An additional 0.5% reward when paying the card balance with Bitcoin, subject to the applicable terms.
- Up to 4% total potential Bitcoin rewards.
- No annual card fee under the published agreement.
The additional reward conditions and eligible monthly spending limits apply. Fold+1
Fold Prepaid Debit Card
The prepaid product has a different fee structure.
The published fee schedule lists:
| Fee | Basic Spin Card | Spin+ |
|---|---|---|
| Annual/monthly subscription | $0 | $100 annually or $10 monthly |
| ATM withdrawal fee | $3.50 | $0 |
| Activation fee | $0 | $0 |
Third-party ATM charges and other transaction fees may still apply. Fold+1
Fold’s pricing and rewards programs have changed, so older references to a single prepaid card and a $100 annual membership should not be treated as describing every current Fold product.
Key advantages:
- Bitcoin-focused reward structure.
- Multiple ways to accumulate Bitcoin.
- Credit and prepaid options.
- Additional rewards opportunities through qualifying activity.
- No annual fee for the published Fold credit card.
Potential drawbacks:
- Credit card approval requirements apply to the credit product.
- Prepaid card fees differ from credit card fees.
- Some reward boosts have additional conditions.
- Bitcoin rewards fluctuate in market value.
- Geographic availability and account eligibility must be verified.
Fold may be attractive to people who specifically want to build a Bitcoin balance through everyday financial activity.
However, users should calculate whether any subscription, spending conditions, or additional requirements justify the extra rewards.
4. Crypto.com Card – Best for Users in the Crypto.com Ecosystem
Crypto.com Visa Card Review 2026 – Forbes Advisor
Platform-based rewards
Card features and eligibility vary by market and product.
Crypto.com offers card products connected to its cryptocurrency platform and CRO-based membership benefits.
Official U.S. Crypto.com credit card
Crypto.com provides different card products and membership arrangements depending on the market.
Its current U.S. credit card offering should be distinguished from its international prepaid Visa card program.
The U.S. Crypto.com Visa Signature Credit Card advertises rewards in Bitcoin or CRO, with tier-dependent benefits. Its published basic tier offers 1.5% rewards, while certain paid or locked-up tiers offer higher rates. The advertised maximum depends on eligibility and the applicable Level Up conditions. Our Boldest Offer to Date
Other Crypto.com card markets have separate card tiers, subscription requirements, CRO lockups, ATM allowances, and rewards structures.
For example, the international card information lists different subscription or CRO lockup requirements and tier-dependent monthly free ATM withdrawal allowances.
Key advantages:
- Cryptocurrency rewards on qualifying purchases.
- Options involving BTC or CRO in the U.S. credit card program.
- Additional ecosystem benefits.
- Different membership tiers for different spending needs.
- Potential travel and subscription-related benefits on qualifying products.
Potential drawbacks:
- Some tiers require CRO staking, lockups, or subscriptions.
- CRO’s market value can fluctuate.
- Rewards may have monthly or other restrictions.
- ATM withdrawal allowances depend on the card tier.
- Product availability differs by country.
Crypto.com may be worth considering for existing platform users who understand CRO and regularly use its financial services.
However, locking up a volatile cryptocurrency solely to obtain card benefits can create additional investment risk.
Crypto Rewards Card Comparison: Features, Fees and Benefits
Choosing between crypto rewards cards requires looking beyond their advertised cashback percentages.
A card offering 4% back may be less valuable than one offering 2% if the higher-rate option has expensive membership requirements, restrictive spending limits, or complicated redemption conditions.
The following comparison summarizes the main differences.
| Card | Reward type | Main advantage | Important consideration |
|---|---|---|---|
| Gemini Credit Card | Multiple cryptocurrencies | Category-based rewards | 4% category cap |
| Venmo Credit Card | Cashback with optional crypto conversion | Flexible reward use | Approval-date-dependent terms |
| Fold Bitcoin Credit Card | Bitcoin | Up to 4% potential rewards | Activity requirements |
| Fold Prepaid Debit Card | Bitcoin rewards | Prepaid spending | Subscription and fee differences |
| Crypto.com Card | BTC or CRO, depending on product | Platform benefits | Tier and jurisdiction restrictions |
All reward rates and features are subject to change. The table distinguishes separate Fold and Crypto.com products rather than treating each brand as a single card.
Which Crypto Rewards Card Offers the Best Value?
There is no universally best crypto rewards card.
- For category-based rewards: Gemini is worth comparing if you spend regularly on dining, groceries, and transportation.
- For flexible cashback: Venmo may be useful if you want the option to convert rewards into cryptocurrency.
- For Bitcoin accumulation: Fold’s credit card is worth evaluating if you meet its additional reward conditions.
- For cryptocurrency ecosystem benefits: Crypto.com may appeal to existing users who understand its membership and CRO requirements.
Your spending habits and location should determine which option deserves the closest consideration.
Credit Cards vs. Debit Cards vs. Prepaid Crypto Rewards Cards
Understanding the differences between card types can prevent unexpected fees and financial obligations.
| Feature | Credit card | Debit card | Prepaid card |
|---|---|---|---|
| Funding source | Credit line | Linked account or balance | Loaded funds |
| Borrowing | Yes | No | No |
| Credit approval | Usually required | Usually not required | Usually not required |
| Interest charges | Possible | Generally none | Generally none |
| Spending limit | Credit limit | Available balance | Loaded balance |
| Crypto rewards | Depends on issuer | Depends on issuer | Depends on issuer |
Crypto Credit Cards
Crypto credit cards work like traditional credit cards but provide cryptocurrency-related rewards.
They may be useful for people who want to earn digital assets while maintaining conventional credit card payment flexibility.
However, carrying an unpaid balance can generate interest charges that exceed the value of the rewards.
Crypto Debit Cards
Crypto debit cards generally deduct purchases from an associated account or balance.
Some products allow users to spend fiat currency, while others may convert cryptocurrency into the required payment currency.
These cards can simplify everyday spending, but conversion fees and exchange rates should be considered.
Crypto Prepaid Cards
Prepaid cards require users to add money before making purchases.
They can help control spending because purchases are limited by the available balance.
However, users should examine reload charges, ATM withdrawal fees, subscription costs, and other applicable conditions.
How to Choose the Best Crypto Rewards Card
The best crypto rewards card should match your financial habits, preferred cryptocurrency, and location.
Consider these factors before applying.
Reward Rates and Spending Categories
Compare the actual reward rates rather than focusing only on the highest advertised percentage.
For example, a card offering 4% on a limited category may generate fewer rewards than a card providing a consistent 2% on most purchases.
Review category definitions, merchant exclusions, monthly caps, and promotional conditions.
Supported Cryptocurrencies
Some cards distribute rewards in Bitcoin, while others support several digital assets.
If you prefer holding Bitcoin, a Bitcoin-focused rewards program may be more convenient.
If you prefer flexibility, consider a card that supports multiple cryptocurrencies or allows eligible cashback conversions.
You can explore the best cryptocurrencies to invest in to understand the differences between major digital assets before choosing a reward currency.
Remember that receiving rewards in a cryptocurrency does not guarantee that its market value will increase.
Annual Fees and Membership Costs
A card’s annual fee can significantly affect its actual reward value.
Consider the following example:
Illustrative annual rewards calculation
Assume $1,000 in eligible monthly spending.
Card A: 2% rewards
$240
Annual gross rewards
Card B: 4% rewards
$480
Annual gross rewards
Now assume Card B requires a $100 annual membership:
- Card A net rewards: $240.
- Card B net rewards: $380.Illustrative example only. It assumes every purchase qualifies at the stated rate and ignores spending caps, interest, taxes, and other fees.
The higher reward rate still provides greater value in this example, but the difference is smaller after accounting for the membership cost.
Staking and Lockup Requirements
Some cryptocurrency cards require users to hold or lock up a particular digital asset to access higher rewards.
Crypto.com is an example of a platform with tier-based CRO staking or lockup arrangements.
Before committing funds, consider:
- The amount of cryptocurrency required.
- The lockup or subscription period.
- Whether the funds can be withdrawn immediately.
- Potential price declines during the lockup.
- Whether the additional rewards justify the opportunity cost.
For a broader explanation, see our guide to crypto staking platforms and strategies.
You can also explore crypto staking in 2026 and crypto strategies involving staking, trading, and yield farming.
Geographic Availability and Eligibility
A card that is attractive in the United States may not be available in Europe, Asia, or other regions.
Check the issuer’s eligibility requirements before applying.
Consider:
- Supported countries and territories.
- Residency requirements.
- Identity verification.
- Credit history requirements.
- Local currency support.
- Tax and reporting obligations.
International users should also determine whether the card issuer provides customer support and dispute resolution in their jurisdiction.
Security and Customer Support
Security is particularly important when cryptocurrency rewards are held within an exchange or financial platform.
Review the issuer’s security features, including:
- Two-factor authentication.
- Transaction notifications.
- Card freezing and spending controls.
- Fraud monitoring.
- Account recovery procedures.
- Cryptocurrency withdrawal policies.
Users should also understand whether the rewards balance is held by the card issuer, a third-party custodian, or a separate cryptocurrency service.
What Fees Should You Consider When Using Crypto Rewards Cards?
Crypto rewards cards may involve several costs beyond their advertised annual fees.
Understanding these expenses is important when calculating whether a card actually saves money.
| Fee type | What it means |
|---|---|
| Annual fee | Recurring cost for maintaining a card |
| Membership fee | Subscription cost for additional rewards or benefits |
| Foreign transaction fee | Charge for eligible purchases made in foreign currencies |
| ATM withdrawal fee | Cost of withdrawing cash |
| Cryptocurrency conversion fee | Cost associated with converting rewards or assets |
| Reload fee | Charge for adding money to a prepaid card |
| Interest charges | Borrowing costs on unpaid credit card balances |
| Network or exchange spread | Difference between the quoted and executed conversion price |
Not all cards charge every fee. Some issuers advertise no annual or foreign transaction fees, but other costs may still apply.
For example, a prepaid card may have no monthly subscription but charge for certain ATM transactions. A premium membership may remove some fees while introducing a recurring subscription expense.
Always read the official fee schedule and cardholder agreement before applying.
How to Maximize Crypto Rewards: Tips and Strategies
A well-planned approach can help you earn more rewards without spending unnecessarily.
1. Match Your Card to Your Spending Habits
Choose a card based on where you actually spend money.
If dining and grocery purchases make up a large portion of your monthly budget, a category-based card may provide better value.
If you prefer consistent Bitcoin accumulation, a card with a straightforward Bitcoin reward structure may be more appropriate.
2. Use Category Bonuses Strategically
Some cards offer higher rewards for specific spending categories.
Use the appropriate card for eligible purchases while paying attention to monthly caps and merchant category codes.
Avoid buying unnecessary items just to qualify for additional rewards.
3. Take Advantage of Welcome Offers Carefully
Promotional offers can provide additional rewards to eligible new cardholders.
However, check the minimum spending requirements, expiration dates, and exclusions before participating.
A welcome bonus should not encourage spending beyond your normal budget.
4. Compare Subscription Costs With Additional Rewards
Premium memberships may unlock higher reward rates or additional benefits.
Calculate the additional rewards you expect to earn and subtract the subscription fee.
If the difference is small, a free card may provide better overall value.
5. Understand How Cryptocurrency Rewards Are Redeemed
Some programs deposit cryptocurrency automatically, while others allow users to convert cashback into supported digital assets.
If you plan to accumulate Bitcoin, explore educational resources such as this guide to earning Bitcoin through Cash App.
You can also learn about buying Bitcoin with Apple Pay and buying cryptocurrency with credit, debit, prepaid, and gift cards.
These are separate ways to acquire cryptocurrency and should not be confused with earning card rewards.
6. Track Your Rewards and Expenses
Monitor your rewards, membership costs, and transaction fees regularly.
A simple spreadsheet can help you compare the actual value of rewards against the expenses associated with each card.
For investors interested in broader digital asset management, our guide to cryptocurrency investment opportunities provides additional context.
How to Evaluate Crypto Rewards Card Ratings and Reviews
Third-party ratings can help consumers compare financial products, but a star rating should never be the only factor in choosing a card.
Forbes Advisor, for example, evaluates credit cards using several factors, including annual fees, welcome offers, ongoing rewards, redemption value, and additional cardholder benefits. Its methodology also considers how individual cards perform within particular categories. Forbes+1
What Makes a Card Review Reliable?
A useful card review should explain:
- The date when the card information was verified.
- The reward rates and qualifying purchase categories.
- Annual fees and other applicable costs.
- Geographic availability.
- Eligibility and credit requirements.
- Reward redemption conditions.
- Promotional restrictions.
- Potential risks and disadvantages.
Readers should also distinguish independent editorial assessments from issuer advertisements and sponsored placements.
For a more reliable comparison, consult the card issuer’s official documentation alongside independent reviews.
You can also explore the crypto rewards card comparison guide for additional perspectives on available products.
Are Crypto Rewards Cards Worth It?
Crypto rewards cards can be worthwhile for consumers who already use credit or debit cards regularly and want to accumulate cryptocurrency through eligible spending.
Their value depends on three main factors: the amount of rewards earned, the total cost of using the card, and the future value of the cryptocurrency received.
A no-annual-fee card with straightforward rewards may be more practical than a premium card requiring a substantial cryptocurrency lockup.
Before applying, ask yourself:
- Do I regularly use the card’s eligible spending categories?
- Can I pay my credit card balance in full?
- Are the rewards worth more than the fees?
- Am I comfortable holding cryptocurrency?
- Is the card available in my country?
- Can I access and withdraw my rewards easily?
If the answers support your financial goals, a crypto rewards card may be a useful addition to your existing payment options.
However, cryptocurrency rewards should be treated as variable-value assets rather than guaranteed income.
Conclusion: Choosing the Top Crypto Rewards Cards for Your Needs
The top crypto rewards cards in 2026 offer different ways to connect everyday purchases with digital assets.
The Gemini Credit Card provides category-based cryptocurrency rewards, while the Venmo Credit Card combines traditional cashback with eligible cryptocurrency conversion options. Fold focuses on Bitcoin accumulation through separate credit and prepaid products, while Crypto.com offers cryptocurrency rewards and additional platform benefits through different card programs.
The best option depends on your spending habits, preferred cryptocurrency, location, and willingness to accept additional fees or staking requirements.
Rather than choosing a card based only on its highest advertised reward rate, compare the complete rewards structure, redemption rules, membership costs, and potential risks.
The most valuable crypto rewards card is the one that provides useful benefits without encouraging unnecessary spending or exposing you to financial risks you cannot comfortably manage.
Frequently Asked Questions About Crypto Rewards Cards
What are the top crypto rewards cards in 2026?
Popular options to compare include the Gemini Credit Card, Venmo Credit Card, Fold Card, and Crypto.com card products. They differ in reward currencies, spending categories, fees, eligibility requirements, and geographic availability.
Which crypto rewards card offers the highest cashback?
The highest advertised reward rates depend on the product and its conditions. Gemini advertises up to 4% on qualifying gas, EV charging, transit, taxi, and rideshare spending within its monthly cap. Fold advertises up to 4% potential Bitcoin rewards through qualifying activity-based bonuses. These rates are not directly comparable because their eligibility requirements differ.
Can I earn Bitcoin through a credit card?
Yes. Certain credit cards provide Bitcoin as a reward for eligible purchases. Fold offers a Bitcoin-focused credit card, while Gemini allows users to select Bitcoin from its supported cryptocurrency rewards options.
Are crypto rewards cards free?
Some crypto rewards cards have no annual fee, while others require paid memberships, subscriptions, or cryptocurrency lockups for enhanced benefits. Users should also check ATM, foreign transaction, reload, and conversion fees.
Does the Gemini Credit Card offer Bitcoin rewards?
Yes. Eligible Gemini Credit Card users can choose Bitcoin and other supported cryptocurrencies as their rewards. Its published reward structure includes 4% on eligible gas, EV charging, transit, taxi, and rideshare purchases up to $300 monthly, 3% on dining, 2% on groceries, and 1% on other eligible purchases.
Can I convert Venmo Credit Card cashback into cryptocurrency?
Eligible Venmo Credit Card users can elect to use cashback rewards to purchase supported cryptocurrencies through Venmo’s cashback-to-crypto program. Separate cryptocurrency terms and conditions apply.
Does Fold offer a credit card or a prepaid card?
Fold offers separate Bitcoin credit card and prepaid debit card products. Their reward rates, eligibility conditions, and fee structures are different. Consumers should verify which product they are applying for.
Do Crypto.com cards require staking?
Some Crypto.com card tiers and membership benefits involve CRO staking, lockups, or paid subscriptions. Requirements depend on the product, tier, and country. The basic tier may be available without the same commitment required for higher tiers.
Are crypto rewards taxable?
Tax treatment depends on the country and the nature of the rewards. Receiving cryptocurrency, selling it, exchanging it, or spending it may create different tax consequences. Keep transaction records and consult a qualified tax professional.
Can I use crypto rewards cards internationally?
Some crypto rewards cards support international transactions, but availability depends on the issuer and country. A card available in the United States may not accept applications from residents of other countries. Always check regional eligibility and foreign transaction fees.
Are crypto rewards better than traditional cashback?
Not necessarily. Traditional cashback generally provides a more predictable monetary value, while cryptocurrency rewards fluctuate with market prices. Crypto rewards may become more valuable if the underlying asset appreciates, but they can also lose value.
Can crypto rewards cards help build credit?
Eligible crypto credit cards may help users establish or maintain credit history when the issuer reports account activity to credit bureaus. However, prepaid and debit cards generally do not build credit in the same way. Payment history and credit reporting policies depend on the issuer.
What is the difference between crypto cashback and crypto staking rewards?
Crypto cashback is earned through eligible purchases made with a payment card. Staking rewards come from participating in a blockchain’s proof-of-stake validation or delegation process. They have different requirements, risks, and potential tax implications.
Are crypto rewards cards safe?
They can offer familiar payment security features, but cryptocurrency rewards introduce additional risks. These include price volatility, custodial risks, account restrictions, and platform-related problems. Users should review security policies and cardholder protections before applying.
Can I earn cryptocurrency without purchasing it directly?
Yes. Some payment cards distribute cryptocurrency as rewards for eligible purchases. Other platforms provide promotional rewards, referral bonuses, or incentives for participating in certain activities. However, these rewards are not guaranteed investment returns.
