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Upgrade Visa® Card with Bitcoin Rewards
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 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
The Gemini Credit Card™
The Gemini Credit Card™
- 17.74% to 29.74% (Variable) Regular Purchase APR
- 30.74% (Variable) Cash Advance APR
At a Glance
The Gemini Credit Card earns up to 3% back in crypto rewards, with rewards automatically applied to the cardholder’s account. Even better, they can trade and sell their cash back credit card rewards to over 60 different assets – with no annual fee or hidden fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn crypto rewards on every purchase with the new Gemini Credit Card™
- Earn rewards in 60+ cryptos on every purchase with the new Gemini Credit Card™
- Watch the crypto you earn land in your Gemini account the instant you swipe, not a month later
- Get up to 3% crypto back* on every purchase with the new Gemini Credit Card™
- A Gemini Mastercard®. Issued by WebBank
- *Terms Apply
- Regular Purchase APR: 17.74% to 29.74% (Variable)
- Cash Advance APR: 30.74% (Variable)
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 34.74% (Variable)
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $35
- You prefer to earn credit card rewards as cryptocurrency
- You want to choose from over 60 different crypto assets
- You plan to spend heavily on groceries and dining
- You do't want to pay an annual fee
Fold Visa® Prepaid Card
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
Crypto.com Visa Card
Crypto.com Visa Card
At a Glance
The Crypto.com Visa Card is a prepaid crypto card that offers cash back crypto rewards with every purchase and rebates on subscriptions for lower tiers – and impressive travel perks for ultra-premium tiers. The card, from Crypto.com, requires varying CRO stakes to open but offers up to 8% back with every purchase.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn rewards paid in CRO token
- Earn rewards towards rebates with selected merchants
- Industry events access
- Five card tiers with increasing rewards per tier
- Priority customer service
- Foreign Transaction Fee: See Terms
- Over Limit Penalty Fee: See Terms
- Minimum Deposit Required: See Terms
- You prefer your rewards as cryptocurrency but don’t want to be tied to Bitcoin
- You want to earn rebates on your monthly subscription services
- You enjoy the Crypto.com ecosphere
- You don’t want to be tied to a credit card or have an inquiry on your credit report
Coinbase Card
Coinbase Card
At a Glance
The Coinbase Card is a crypto rewards debit card that features up to 4% back on all purchases in crypto for no annual fee. The card provides seamless integration with a user’s Coinbase wallet but comes with a number of transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Spend any asset in your Coinbase portfolio and earn rewards for each purchase
- Spend crypto everywhere Visa debit cards are accepted
- No annual fee or signup fee
- Phone and email support available whenever you need it
- Foreign Transaction Fee: See Terms
- Over Limit Penalty Fee: See Terms
- Minimum Deposit Required: See Terms
- You already use Coinbase
- You want to use your crypto to make purchases
- You prefer to earn cash back rewards in crypto and are willing to gamble on Stellar Lumens
- You do't want to pay an annual fee
- You understand the transaction fees the card charges
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Bitcoin and Crypto Debit and Credit Cards
Cryptocurrency credit cards are one of the hottest trends in the fintech and credit card marketplace. Crypto debit and credit cards are payment cards that allow users to earn rewards (usually in cryptocurrencies like Bitcoin) with eligible purchases. These cards may also allow users to spend their cryptocurrencies like cash, making them a great way to find real-world uses for digital and blockchain currencies like Bitcoin, Litecoin, Ethereum, Dogecoin, etc.
Which Credit Card Issuers Allow Crypto Payments?
Not every credit card payment network or issuer allows crypto transactions on their networks. American Express made changes to its cash advance language in 2020 to include digital currency purchases. While both Visa and Mastercard are making strides towards allowing their customers to use their digital currencies and other digital assets as a form of payment on their payment networks, not every card issuer allows their cards to be used for crypto purchases.
Chase is one example of a major lender that allows cryptocurrency purchases with its credit cards. Chase announced the change to its cash advance rules beginning in April, allowing Chase credit cardholders to purchase Bitcoin, Dogecoin, Ethereum, and other cryptocurrencies – with the additional costs associated with cash advances.
Related Article: Can You Buy Cryptocurrency with a Credit Card?
What Are the Best Crypto Credit and Debit Cards?
Cryptocurrency rewards are one of the hottest trends in credit and debit cards. Cryptocurrencies, like Bitcoin, Litecoin, Ethereum, and countless others offer an excellent way to invest in digital assets.
How Do Crypto and Bitcoin Rewards Work?
One of the most attractive aspects of crypto debit and credit cards is earning rewards in Bitcoin or other cryptocurrencies with every eligible purchase. There are plenty of crypto debit cards, including offers from Crypto.com (the Crypto.com Visa Card), the Fold Card, Coinbase Card, and the BlockCard, amongst others.
The number of crypto credit cards is smaller in comparison, but that looks set to grow in the coming months. The BlockFi Card was the first Bitcoin credit card to be announced, though others are in the works, including the Gemini Mastercard and the Salt Card.
Crypto Prepaid and Debit Card Rewards Structure
Most crypto cards offer tiered rewards programs that provide greater return and rewards with bigger CRO stakes (crypto balances) in the user’s digital wallet on the platform. The Crypto.com Visa Card (a hefty metal card) offers five tiers: Obsidian, Frosted Rose Gold/Icy White, Royal Indigo/ Jade Green, Ruby Steel, and Midnight Blue, for instance. Obsidian is the highest tier, requiring a CRO stake of $400,000 and a CRO rewards rate of 8% back on eligible purchases in Bitcoin.
Crypto Credit Card Rewards Structure
Crypto credit cards operate slightly differently than crypto rewards debit cards. Many Bitcoin and crypto credit cards plan to provide real-time cash back rewards on every purchase, with no CRO stake tiers.
The Gemini Mastercard, for example, plans to offer 3% back on dining, 2% on groceries, 1% on other purchases, with rewards applicable as any cryptocurrency available on the Gemini platform (including Bitcoin).
BlockFi is another upcoming crypto card, offering a similar rewards structure:
- 5% Bitcoin rewards on all purchases.
- $250 in Bitcoin after making $3,000 in purchases with the card within the first three months of opening an account.
- $30 in Bitcoin for every client referral.
- 5% Bitcoin rewards on all purchases from month four through six of card membership. This perk applies to up to $100 in Bitcoin.
- An additional 2% APY on the cardholder’s average daily Stablecoin balance, up to $200.
- 25% Bitcoin rewards on eligible BlockFi trades, up to a maximum of $500 in Bitcoin per month.
Both the BlockFi and Gemini credit cards benefit from real-time rewards, an excellent way for consumers to take advantage of the best rewards rates possible. Cryptocurrency valuations fluctuate significantly, meaning cardholders will want to receive their Bitcoin rewards immediately instead of waiting – which brings the risk of devaluation.
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