Upgrade Bitcoin Rewards Card: 1.5% Back in Bitcoin

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NextAdvisor’s Take


  • Earn 1.5% back in Bitcoin as you make payments on your card
  • Fixed payments each month can help you save on interest if you carry a balance
  • No annual fee
  • No foreign transaction fees


  • No welcome offer for new customers
  • Potential for high APR
  • Not available in every state
  • Rewards can fluctuate in value based on market trends

The Bottom Line

The no annual fee Upgrade Bitcoin Rewards Card lets you earn Bitcoin on your spending instead of traditional rewards points. You’ll earn 1.5% back in Bitcoin as you pay your credit card balance off (not as you spend). But this card is not the best option for earning rewards on spending or for investing in crypto. You’ll find better rewards rates from other issuers and better avenues to invest in Bitcoin from other exchanges, so we wouldn’t recommend it for most users.

Additional Card Details

  • Bitcoin is added to your account 1-2 statement periods after your payment, and the value is based on market prices at that time
  • If you sell the Bitcoin you earn, you’ll pay a 1.5% transaction fee, deducted from the sale
  • Variable APR of 8.99% to 29.99%
  • Credit lines range from $500 to $25,000
  • Pay down balances with a fixed interest rate and set monthly payments
  • Not available in several states: Hawaii, Indiana, Iowa, Louisiana, Nebraska, Nevada, New Hampshire, North Carolina, Washington, West Virginia, Wisconsin, and the District of Columbia