Which Crypto Credit Card is Best?

Crypto credit cards, in their current form, are credit cards you can spend normal FIAT (USD, Euros etc.), but earn cryptocurrency in the form of rewards. So instead of earning miles, points, or cash back – you can earn Bitcoin, Ethereum, Cardano, or whatever crypto is supported by that cards rewards programs. We’ll take a look at some of the top crypto credit cards in the space right now:

SoFi Mastercard (Crypto Redemption)

You can earn 2% back in Bitcoin, Ethereum and dozens of other cryptocurrencies. You can also earn stocks or use rewards to pay down a SoFi loan. This card has one of the highest rewards rates, but requires you to have a SoFi account. 

Best Credit Card for Investors

Sofi rewards credit card
Reddit User
Reddit User@Fizzle1982
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Pros- 2% back on all purchases is straightforward , if you are in need of a day to day card it makes sense, and just swap it out with a card that gives a more generous discount (gas, travel) when needed It is very easy to apply the reward points to SoFi products. That means personal and student loans, SoFi investment, and to pay down the card You will earn daily points for signing in, keeping up a streak, and for direct deposits into your SoFi account. These won’t be much but every dollar helps. They have also said additional ways to earn points might be coming.

BlockFi Visa Crypto Rewards

BlockFi first released as a Bitcoin rewards credit card, but now you can pick at least 15 other crypto currencies as your reward currency and it can be changed in the BlockFi app. The BlockFi card is accepted anywhere in the world that takes Visa credit cards. The rewards rate is 3.5% for the first 3 months and then 1.5% afterwards.

Best Card for Crypto Rewards

BlockFi Visa Bitcoin rewards credit card
Reddit User
Reddit User@find_your_moon
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My plan is to use the card for everything outside of the enhanced cash back categories that I get from my other cards (2-5% back on groceries, streaming services, etc or whatever you choose for your own cards). This means it will definitely get a lot of use and with no limits on the 1.5% rewards, I just keep DCA’ing as I spend. It is very easy to apply the reward points to SoFi products. That means personal and student loans, SoFi investment, and to pay down the card You will earn daily points for signing in, keeping up a streak, and for direct deposits into your SoFi account. These won’t be much but every dollar helps. They have also said additional ways to earn points might be coming.

Upgrade Bitcoin Rewards Credit Card

This card is the easiest to get approved for so if you’re rebuilding your credit or couldn’t get approved for BlockFi or SoFi – give this one a try. The application doesn’t hurt your credit until you accept the card they offer you, so it’s a great option to check out since you can see your potential credit line and APR without harming your score.

Best Card for Fair Credit / Improving Credit

upgrade bitcoin rewards card reviewupgrade bitcoin rewards card review example
Reddit User
Reddit User@Kaleidoscope_sky
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I have one and I love it, but it doesnt work the same way as a normal credit card does. When you get a credit card and it has limit of $2000 your credit utilization says you have available credit of $2000 which helps boast your score if you keep the percent of usage low. With the upgrade card you might recieve a credit limit of $10,000 but it doesn't show up as 10,000 available for utilization. In fact, it doesnt show up as a credit card at all on the reports but rather as a loan. I hope I made sense trying to explain what it looks like on the credit apps like credit karma and experianIt is very easy to apply the reward points to SoFi products. That means personal and student loans, SoFi investment, and to pay down the card You will earn daily points for signing in, keeping up a streak, and for direct deposits into your SoFi account. These won’t be much but every dollar helps. They have also said additional ways to earn points might be coming.

(1) $200 sign up bonus rewarded upon opening an Upgrade Rewards checking account and using the card 3 times. Check Upgrade’s website to make sure the promotional period is still active.

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