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Current Build Card
Current Build Card
- 0.00% Regular Purchase APR
- 0.00% Cash Advance APR
At a Glance
The Current Build Card is a no annual fee secured card that builds credit while earning up to 7X points and 4% APY on savings. The card features no account minimums, no overdraft fee, and spending insights to help your build credit.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Build credit with no minimum deposits and no annual fee
- Up to 4% APY on savings
- Earn up to 7X points on purchases with over 14,000 merchants
- No overdraft fee
- Regular Purchase APR: 0.00%
- Cash Advance APR: 0.00%
- Annual Fee: $0.00
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: 3% of any Total Due balances outstanding and past due for two or more billing cycles
- You are new to credit and want an easy way to begin building credit
- You plan on utilizing Current's spending insights to help you save money
- You don't want to pay an annual fee to earn rewards
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
First Citizens Cash Rewards Visa®
First Citizens Cash Rewards Visa®
- 17.99% to 26.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.99% to 26.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 26.99% to 29.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The First Citizens Cash Rewards Visa® offers cardholders a flat 1.5% cash back on all qualifying purchases. There is no limit to how much cash back you can earn, and this card adds your cash back rewards daily to your account. New cardholders can also take advantage of 0% interest over 12 months on balance transfers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 1.5% cash back on every $1 you spend
- Unlimited cash back potential
- 0% introductory APR for 12 months on balance transfers made within 90 days from account opening date
- Regular Purchase APR: 17.99% to 26.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 17.99% to 26.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $0
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $25
- You don’t want to pay an annual fee
- You would like to earn 1.5% cash back on your purchases
- You want to take advantage of 0% APR on balance transfers for 12 months
- You want the option of redeeming rewards as cash deposits or statement credits
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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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Crypto Credit Cards
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