The Best Fintech & Crypto Credit Cards

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Last updated on August 23rd, 2023

Fintech companies, startups, and neobanks are seemingly everywhere these days. While the concept of  cryptocurrency and fintech companies disrupting the banking sector aren’t new, their foray into the credit card market is. Here are some of the best fintech and cryptocurrency credit card offers:

At a Glance

Bitcoin and Cryptocurrency Credit & Debit Cards

Cryptocurrencies, like Bitcoin, Litecoin, Ethereum, and countless others offer an excellent way to invest in digital assets. Crypto rewards cards, including crypto credit, debit, and prepaid cards, offer cash back rewards in the form of cryptocurrency – meaning you might earn much more than traditional rewards credit cards!

Bitcoin Credit Cards

Crypto credit cards are quickly becoming a popular option for savvy consumers who want to maximize their rewards. Cryptocurrencies, like Bitcoin, offer unprecedented chances of growth, with simple cash back having the potential to grow exponentially!  

Upgrade Visa® Card with Bitcoin Rewards

Upgrade Visa® Card with Bitcoin Rewards
Good-Excellent
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Excellent
Visa Processing Network
None Annual Fee

Upgrade Visa® Card with Bitcoin Rewards

  • 14.99%-29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 14.99% to 29.99% Balance Transfer APR

At a Glance

The Upgrade Visa® Card with Bitcoin Rewards offers no fees, low rates, cash back in bitcoin, and credit lines up to $20,000 in one exceptional package. The card provides the flexibility and predictability to pay down card balances and get debt-free quickly – with the added benefit of crypto rewards on every purchase.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Earn unlimited 1.5% back in bitcoin rewards after you make payments on your purchases
  • The simple way to earn bitcoin: make purchases on your card, make payments, earn bitcoin
  • No annual fees
  • Get pre-approved in seconds with no impact to your credit score
  • Pay with your phone or device by using Apple Pay® or Google Pay™
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
  • *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
  • Regular Purchase APR: 14.99%-29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 14.99% to 29.99%
  • Balance Transfer Transaction Fee: Up to 5%
  • Foreign Transaction Fee: Up to 3%
  • You struggle to pay off credit card balances
  • You want a structured repayment plan
  • You can reliably pay off your statement balances to earn bitcoin rewards for purchases
  • You don’t want to pay an annual fee
Upgrade Visa® Card with Bitcoin Rewards

Upgrade Visa® Card with Bitcoin Rewards

Terms & Conditions

The Upgrade Bitcoin Rewards is a tough-to-beat credit card for fans of crypto rewards and low interest rates. The interest rates are the same as with other Upgrade Cards, making it among the best in the business. The ability to pay down debt – and earn BTC with every purchase – is another perk that makes the card something that provides everyday value.

Bitcoin Debit Cards

Earning BTC rewards on every purchase doesn’t require a credit check. There are an ever-growing number of prepaid and debit cards that offer crypto rewards. These cards offer seamless integration with crypto wallets and rewards sites – and allow users to maximize their BTC savings with every purchase.

Fold Visa® Prepaid Card

Fold Visa® Prepaid Card
No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
Up to $150 Annual Fee

Fold Visa® Prepaid Card

At a Glance

Cryptocurrencies offer significant growth for investors, and the Fold Visa Prepaid Debit Card is an intriguing way to earn rewards in BTC for your everyday purchases. The card offers all the benefits of the Fold mobile app with the payment network of Visa, making it easy to earn Bitcoin online or in-store.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Get access to Fold+ member pricing on Amazon gift cards
  • Each purchase activates a spin on the Spin Wheel Sweepstakes
  • Enjoy boosted merchant offers
  • Get up to 100% back in rewards after your purchases
  • Annual Fee: Up to $150
  • Foreign Transaction Fee: See Terms
  • Over Limit Penalty Fee: See Terms
  • Minimum Deposit Required: See Terms
  • You don’t want an inquiry on your credit score or distrust credit cards
  • You prefer to earn rewards in Bitcoin versus Ethereum, Litecoin, or other cryptocurrencies
  • You’re vigilant to ensure your use your wheel spins and don’t let them expire

The Fold crypto debit card is an exciting option to consider for those that don’t want the hard inquiry on their credit report but want to earn rewards with every purchase. And, since the market for Bitcoin has generally been hot over the past few years, the chance is there to make significantly more money in BTC than you’d typically get with a credit card. Fold cardholders earn a spin every time they make an eligible purchase of $3 or more. Make a purchase, get a spin. It’s that simple. Some of the rewards on offer include 25% back in Bitcoin rewards, fixed amounts (around $2.50 worth of Bitcoin crypto), or even a single Bitcoin – currently trading at over $30,000 per coin!

Fintech Credit & Debit Cards

Fintech companies (also known as financial technology) is the latest trend that is disrupting the credit card industry. Fintech companies are taking a fresh look at the credit card market and offering applicants something new. These new features include saying goodbye to fees, changing how consumers pay down debt, and offering the types of perks and rewards that many major issuers are ignoring.

M1 Visa® Debit Card

M1 Visa® Debit Card
No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
None Annual Fee

M1 Visa® Debit Card

At a Glance

The M1 Spend Visa® Debit Card provides M1 Finance customers with a streamlined approach to spending their available funds – and earning more with an eligible premium account. The Card earns up to 1% cash back and 1% APY on balances with a Spend Plus Account.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Seamlessly integrates with M1’s Invest and Borrow services
  • Use the M1 Spend debit card anywhere Visa® is accepted
  • Upgrade to M1 Plus for even more benefits and tools
  • Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
  • You already invest with M1 Finance
  • You plan to subscribe to $125/year Spend Plus Account
  • You want to earn 1% APY and 1% cash back at the same time
  • You’d rather not pay expensive foreign transaction fees

The M1 Spend Visa® Debit Card is a great option to consider for investors with significant holdings within the M1 Invest program and want to earn additional rewards through the M1 Spend Plus Account. Earning 1% APY and 1% back on purchases is a great feature for those with $25,000 or more in investments, as the $125 is easily offset by the additional value from that APY. Add to that no foreign transaction fees, extra trading hours, and special financing on M1 Borrow, and you have an impressive checking and investment package in one.

Cash Back Fintech Cards

Because fintech firms lack much of the overhead of large multinational banks, they can provide better cash back rewards and exceptional interest rates at the same time. Cash back rewards are quickly becoming the most popular type of credit card reward as redemption options like statement credits, gift cards, and direct deposits open the possibilities for unlimited options for those points.

Upgrade Triple Cash Rewards Visa®

Upgrade Triple Cash Rewards Visa®
Excellent-Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good / Fair
Visa Processing Network
None Annual Fee

Upgrade Triple Cash Rewards Visa®

  • 14.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 14.99% to 29.99% Balance Transfer APR

At a Glance

The Upgrade Triple Cash Rewards Visa® offers no fees, low rates, cash back, and credit lines up to $25,000 in one unique package. The card provides the flexibility and predictability consumers need to pay down balances and get debt-free quickly.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
  • No annual fee
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
  • *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
  • Regular Purchase APR: 14.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 14.99% to 29.99%
  • Balance Transfer Transaction Fee: Up to 5%
  • Foreign Transaction Fee: Up to 3%
  • You struggle to pay off your credit card balances
  • You want to earn up to 3% cash back on purchases
  • You can reliably pay off your statement balances to earn cash back for your purchases
  • You have a desire to get debt-free quickly
  • You don’t want to pay an annual fee
Upgrade Triple Cash Rewards Visa®

Upgrade Triple Cash Rewards Visa®

Terms & Conditions

The Upgrade Triple Cash Rewards Visa® is a versatile, impressive credit card for those that want an exceptional APR, solid rewards, and a whole lot more. The addition of up to 3% cash back on home, auto, and health purchases is equally impressive and makes the card an everyday earner that just so happens to help you reduce your existing credit card debt. Plus, since those rewards can be applied towards statement credits, using the card every day can really help put a dent in existing debt in no time!

Building Credit Cards

Finding the best secured credit card may seem like a headache if you have no credit or bad credit. Fintechs are also breaking new grownd with secured credit cards – offering unique ways to establish a positive credit history without the need for a credit check.

Self Visa® Credit Card

Self Visa® Credit Card
Fair-Poor-No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Fair / Poor / No Credit Required
Visa Processing Network
$25 Annual Fee

Self Visa® Credit Card

  • 29.24% (Variable) Regular Purchase APR

At a Glance

The Self Visa® Credit Card is a secured credit card that pairs with an existing Self Credit Builder Account. The card has no formal approval process. Instead, hopeful consumers simply need to open a Self account and save over $100 to fund the secured Visa account.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Make at least 3 monthly payments on time, have $100 or more in savings progress in your Credit Builder Account, and be in good standing. Then, you’ll be eligible for the Self Visa Credit Card*, without a hard credit check
  • Build credit and savings at the same time
  • Start with a Credit Builder Account* that reports monthly payments to all 3 major credit bureaus
  • At the end of your plan, unlock the savings you built — minus interest and fees
  • The Self Visa® Credit Card* is accepted at millions of locations in the U.S.
  • *All Credit Builder Accounts made by Lead Bank, Member FDIC, Equal Housing Lender, Sunrise Banks, N.A. Member FDIC, Equal Housing Lender or SouthState Bank, N.A. Member FDIC, Equal Housing Lender. Subject to ID Verification. Individual borrowers must be a U.S. citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval. All Certificates of Deposit (CD) are deposited in Lead Bank, Member FDIC, Sunrise Banks, N.A., Member FDIC or SouthState Bank, N.A., Member FDIC. The Self Visa® Credit Card is issued by Lead Bank, Member FDIC, Equal Housing Lender or SouthState Bank, N.A., Member FDIC, Equal Housing Lender. Individual results will vary. Visit self.inc for more details.
  • Regular Purchase APR: 29.24% (Variable)
  • Annual Fee: $25
  • Late Payment Penalty Fee: Up to $15
  • Return Payment Penalty Fee: Up to $15
  • You’re serious about raising your credit score
  • You already have a Self Credit Builder Account
  • You don’t mind the card’s $25 annual fee
  • You plan to pay your card balance in full every month

The Self Credit Builder Account and associated Secured Visa® Credit Card are an excellent combination for quickly building a positive credit history. Because the two accounts work together seamlessly, meeting the minimum requirements and paying on-time doubles the impact on your credit score. The card has no formal approval process. Instead, hopeful consumers simply need to open a Self account and save over $100 to fund the secured Visa account.

Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.

About: Cory Santos
Cory Santos

Cory is the senior credit card editor at BestCards, specializing in everything credit card-related. He’s worked extensively with credit cards and other personal finance topics, including nearly five years at BestCards. Cory’s extensive knowledge is an essential part of the BestCards experience, helping readers to live their best financial lives with up-to-date insights and comprehensive coverage of all facets of the credit card space, including market trends, rewards guides, credit advice, and comprehensive credit card reviews.

Advertiser Disclosure

BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.