Upgrade Bitcoin Rewards Visa®

Unlimited bitcoin cash back and no annual fee

Updated: Feb 21, 2025Advertiser Disclosure

The Upgrade Bitcoin Rewards Visa issued by Sutton bank comes with unlimited 1.5% bitcoin rewards on all purchases. The card has no annual fee, up to a $50,000 credit line, very fast pre-approval, and online application.

ANNUAL FEE

ONGOING APR

14.99% - 29.99% Fixed

INTRO APR

N/A

22 User Ratings

This card is not available right now.

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Introductory APR

N/A

Intro APR Period

N/A

Recommended Credit Score

Fair

Key Features

$200 bonus¹ 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 fee
Get preapproved 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

Our Take

Issued by Cross River Bank, the Upgrade Bitcoin Rewards Visa credit card combines the benefits of personal loans, crypto boom, and premium Visa features. The card comes with instant online preapproval that does not affect credit score and features no annual or foreign transaction fees. Besides, you will get unlimited 1.5% Bitcoin back rewards for all purchases made with this Visa card and a $200 bonus².

RELATED: 4 Upgrade Cards Compared

Key Upgrade Bitcoin Visa card features

Unlimited rewards. Earn unlimited 1.5% rewards for all your card purchases
Earn bitcoins. Rewards are issued in bitcoins – a great way to jumpstart the crypto market.
No annual fee. The card comes with no annual fee so it’s actually free to use it and get bitcoins.
No foreign fees. There is no international transaction fee so you can use it worldwide where Visa is accepted without any additional fees.
Fast pre-approval. The Upgrade Rewards Bitcoin Visa credit card offers instant online preapproval that does not affect your credit.

What are other Bitcoin Visa card benefits

Roadside Assistance
Concierge Service
Extended Warranty Program
$0 Fraud Liability
Emergency and Travel Assistance Services
Price Protection

How Does the Upgrade Bitcoin Compare to Other Crypto Cards?

Upgrade Bitcoin Card vs BlockFi Rewards Visa

The Upgrade Bitcoin Card and the BlockFi Visa offer similar benefits to those looking to spend money in cryptos. Both cards offer a 1.5% back in cryptos when expenditure and 0.25% back on all eligible trades. The BlockFi Bitcoin Rewards Visa also allows for a 3.5% return on crypto during the introductory period, a higher rate than most flat-rate cash-back credit cards. Furthermore, the BlockFi Rewards card provides 1.5% back in Bitcoin, Ethereum, Litecoin, Dogecoin, or other cryptocurrencies when purchases are made with the card and deposited into a BlockFi wallet account. However, the Upgrade Bitcoin offers a much higher credit limit, up to $50,000, and helps build a credit score. This makes Upgrade an attractive option for those looking to get more out of their credit card. Read more in the Upgrade Bitcoin vs BlockFi Bitcoin comparison article.

Upgrade Bitcoin vs Nexo Mastercard

The Upgrade Card is an excellent choice for those who want to earn rewards in Bitcoin. The card offers up to 1.5% BTC rewards on eligible purchases and credit line rates starting at 5.9% APR. Upgrade customers can access exclusive discounts, promotions, and real-time spending notifications. The Nexo Card is an excellent choice for those who are regular users of cryptocurrencies. When using their card, Nexo cardholders can also enjoy up to 2% in NEXO or up to 0.5% in BTC rewards. The Nexo crypto debit card supports 20 cryptocurrencies and allows users to keep their crypto instead of selling it. They can also enjoy real-time spending notifications, exclusive discounts and promotions, and the flexibility of depositing their digital assets to earn a yield on or take a personal loan against them.

Upgrade Bitcoin Card Competition

Frequently Asked Questions

I live in Hawaii. Can I apply for an Upgrade Bitcoin Card?

Unfortunately, the Bitcoin card is unavailable for applicants from Hawaii, North Carolina, Indiana, Nebraska, Nevada, Idaho, Louisiana, and New Hampshire.

What are the key requirements to get this Bitcoin Visa?

The key requirements for successful pre-qualification are US Citizenship, 18 years or older, Fico 580 or more.

Does Upgrade Bitcoin rewards card allow balance transfers?

No, this Bitcoin card does not offer a Balance Transfer feature.

Does applying for this Visa card affect my credit?

No. Upgrade Bitcoin Visa offers fast pre-approval that does not affect your credit score. You can apply, see if you are preapproved, and see what credit line you may get without affecting your credit score or credit ratings.

Can I use this Upgrade Visa card at the ATM?

No, the Upgrade credit cards cannot be used to withdraw money at ATMs

Other Upgrade Offers

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Basic Information
Issuer:	Cross River Bank
Network:	VISA®
Category:	Consumer (Premium)
Best Used For:	Low Interest Rate No Foreign Transaction Fee High Credit Limit Pre-Qualification Crypto Card
Rewards:	Yes
Reward Types:	Crypto Back Rewards
Reward Units:	Cash

Rates & Fees
Regular APR:	14.99% - 29.99%
Regular APR Type:	Fixed
Annual Fee:	$0
Balance Transfer:	No
Late Payment Fee:	$0
Other Fees:	Foreign Transaction Fee: Up to 3% Return Payment Fee: $0 Return Check Fee: $0

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Additional Information & Comments

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. 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. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
**Not available in DC, IA, WV, WI, GA, MA.

Non-Affiliate Offer Disclosure

*The information provided for Upgrade Bitcoin Rewards Visa® is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.