Upgrade Bitcoin Rewards Credit Card Art

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Our Score

Why we love this card:

- Get 1.5% unlimited cash back in Bitcoin and have the perks of a Visa® credit card.

- No minimum spend to cash out rewards

- $0 Annual Fee

Easy Approval Process

Upgrade will show you if you're pre-approved instantly without hurting your credit score. Get started by clicking "Apply Now".

Details

Editorial Disclosure

Upgrade Bitcoin Rewards Visa®️ Credit Card

Who is the Upgrade Bitcoin Rewards Visa®️ Credit Card for?

The Upgrade Bitcoin Rewards Visa®️ Credit Card is for all of you Bitcoin believers out there that are tired of the waitlists and want to earn Bitcoin now. Upgrade is one of the first Bitcoin rewards cards that is generally available (no waitlist required). It's also from a brand we trust that has generally positive feedback from its customers.

Pros

Cons

Would I Get Approved?

If you click "Apply Now" or "Get Started" you can go to a form on Upgrade's website that will allow you to see if you would qualify - with NO impact to your credit score. This process is called "pre-qualification" and still requires basic info from you, but is a risk free way to see if you would get approved for the card, your potential credit limit, and APR.

No Annual Fee

The Upgrade Bitcoin Rewards Card has no annual fee so this is a great card to add without the worry of fees hanging over you. Having established lines of credit over a longer period of time can also bring up your credit score, so grabbing a no annual fee card like this can help you accomplish that.

Cash Back Rewards

One of the most requested rewards category this year has been Bitcoin and other cryptocurrency. This is the most widely available card that instantly gets you earning Bitcoin. It's become popular with enthusiasts. Many people don't want to get points or cash back when they could be getting Bitcoin instead.

All purchases are eligible for earning rewards except:

You are automatically enrolled in this card's Bitcoin Rewards program which allows you to earn cash back on eligible purchases and qualifying transactions on offers.

Benefits

The Upgrade Card is a new type of credit card that helps you manage your debt. It is designed to make budgeting and paying off your credit card balance easier, with fixed monthly payments and no variable interest rates. The Upgrade Card treats your debt like a personal loan, only allowing the amount owed to change when you don't pay it in full — typically within 24-60 months depending on what the card issuer approves for you.

Lastly, applicants with FICO credit scores of 600 or above can qualify for the Upgrade Card, and there aren't a bunch of hidden fees. There's no security deposit or annual fee and on-time payments are reported to the three major credit bureaus to help you continue to build your credit score.

Cautions

Don't spend more than you can afford - be smart! Also, when you sell the bitcoin you have accumulated there will be a 1.5% transaction fee but there are also fees when you sell on a major exchange like Coinbase so we didn't find this to be abnormal. The Upgrade Card Bitcoin Card is currently not available to residents of Iowa, West Virginia, Wisconsin, and Washington, D.C. You also can't transfer the BTC you earn to another wallet, which could be a turn-off to some people.

Conclusion

If you love Bitcoin, believe in it, and want to accumulate more passively than this is a great card for you. Click "Get Started" to see if you qualify without harming your credit score.

Complete Card Details

Rewards Rate

Earn 1.5% in Bitcoin

Welcome Bonus

N/A - Bitcoin Rewards is the Main Feature

Typical Credit Score

Fair, Good, Excellent

Intro Annual Fee

$0

Annual Fee

$0

Additional User Annual Fee

$0

Foreign Transaction Fee

$0

Intro Purchase APR

None

Regular Purchase APR

8.99% - 29.99% (Variable)

Cash Advance Fee

N/A

Cash Advance APR

26.99%* Variable

Late Fee

N/A

Intro Balance Transfer APR

None

Regular Balance Transfer APR

N/A

Penalty APR

N/A

Balance Transfer Fee

N/A

Return Payment Fee

Up to $39

Minimum Deposit

N/A

Credit Card Network

Visa

Credit Card Issuer

Sutton

Upgrade Credit Card FAQ

What is the minimum credit score required to Upgrade Bitcoin Rewards Visa® Credit Card?

Upgrade hasn't stated what the minimum credit score that is required, luckily you can check to see if you would be approved for the card without harming you credit score. You can check by clicking "Get Started" below.

What is the Annual Fee for Upgrade Bitcoin Rewards Visa® Credit Card?

There is no Annual Fee for Upgrade Bitcoin Rewards Visa® Credit Card. ​

What is the Regular Purchase APR for Upgrade Bitcoin Rewards Visa® Credit Card?

The Regular Purchase APR for Upgrade Bitcoin Rewards Visa® Credit Card is 8.99% - 29.99%

What is the Intro Balance Transfer APR for Upgrade Bitcoin Rewards Visa® Credit Card?

The Upgrade Bitcoin Rewards Visa® Credit Card does not support Balance Transfers.

What is the Regular Balance Transfer APR for Upgrade Bitcoin Rewards Visa® Credit Card?

Upgrade Bitcoin Rewards Visa® Credit Card does not support Balance Transfers.

What is the Cash Advance APR for Upgrade Bitcoin Rewards Visa® Credit Card?

The Upgrade Bitcoin Rewards Visa® Credit Card does not support Cash Advances.

What is the Cash Advance Fee for Upgrade Bitcoin Rewards Visa® Credit Card?

Upgrade Bitcoin Rewards Visa® Credit Card does not support Cash Advances.

What is the Late Fee for Upgrade Bitcoin Rewards Visa® Credit Card?

There is no Late Fee for the Upgrade Bitcoin Rewards Visa® Credit Card.

What is the Penalty APR for Upgrade Bitcoin Rewards Visa® Credit Card?

There is no Penalty APR for the Upgrade Bitcoin Rewards Visa® Credit Card.

What is the Balance Transfer Fee for Upgrade Bitcoin Rewards Visa® Credit Card?

The Upgrade Bitcoin Rewards Visa® Credit Card does not support Balance Transfers.

What is the Foreign Transaction Fee for Upgrade Bitcoin Rewards Visa® Credit Card?

There are no Foreign Transaction Fees for this credit card.

What is the Return Payment Fee for Upgrade Bitcoin Rewards Visa® Credit Card?

There is no Return Payment Fee for this credit card.

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General Disclaimer

Crypto Cards is an independent credit card comparison service that provides analysis tools and editorial opinions. We believe in the future of decentralized finance that will provide better financial equality and transparency, we suggest using our free recommendation service which analyzes crypto wallet produce data-driven recommendations. Note that we receive compensation from some (but not all) financial or crypto products that we review which may impact where we display the products of our partners.

Editorial Disclaimer

The editorial content on this page is based solely on objective, independent assessments by our writers and editors and is not influenced by advertising or partnerships. It has not been provided or commissioned by any advertiser. However, we may receive compensation when you click on links to products or services offered by our partners. This helps us keep this website free and informative.

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