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Upgrade Visa® Card Bitcoin Rewards: review

The Upgrade Visa® Card Bitcoin Rewards does not function the same way a traditional credit card does. Traditional credit cards charge interest for every day you carry a balance, but the Upgrade card functions like a line of personal credit.

When spending on a credit card, it’s always best to plan to pay off the balance in full due to high interest rates. But sometimes that’s not possible, and that’s where having a credit card can be beneficial. The Upgrade card will hold you to paying a higher monthly payment each month so your interest charges over time won’t run rampant.

Pros & Cons


  • No annual fee
  • No foreign transaction fee
  • Unlimited 1.5% back in bitcoin on payments
  • Make a fixed payment each month
  • Qualify with average credit
  • High rewards rate
  • Reports to the three major credit bureaus


  • No welcome bonus
  • Can’t cash out Bitcoin for at least 90 days
  • Not available in every state

Rates, fees & offers

  • Annual fee: $0
  • Bonus offer: None
  • Intro APR: N/A
  • Ongoing APR
    APR: 8.99% – 29.99% Variable APR
    Penalty APR: N/A
    Cash Advance APR: N/A
  • Balance transfer fee: N/A
  • Foreign transaction fee: None


Visa Signature

Everyone who is approved for the Upgrade card will receive a Visa Signature version of the card which comes with the following perks:

  • Roadside Assistance: Access to pay-per-use roadside dispatch services 24-7
  • Concierge: The Visa concierge can help with travel planning, entertainment tickets, reservations and more
  • Travel and Emergency Services: Provides access to emergency services when away from home including translation services, medical referrals and emergency transportation
  • Extended Warranty Protection: When you use your Upgrade card on eligible purchases it can double the warranty up to one year longer than the original
  • Price Protection: If an item you purchased with your Upgrade card can be found in a print ad at a lower price, you may be eligible for reimbursement for the price difference

How it works

  1. Get your Upgrade Card: Apply online and get a credit line from $500 to $25,000* with your Upgrade Card
  2. Get Rewarded with Bitcoin: Your Unlimited 1.5% back on payments is paid in bitcoin
  3. Pay it down: Make monthly payments, which can be debited directly from your bank account

Unlimited Cash back

With this card, you’ll earn 1.5% back in Bitcoin on purchases when you pay your bill. Your Bitcoin rewards are held by the NYDIG trading platform and you can either keep your earnings there or redeem them toward a statement credit.

Should you choose to sell your Bitcoin and take the statement credit option, you’ll have to wait a minimum of 90 days and you’ll be subject to a 1.5% transaction fee.

How to request this card

Applying for a credit card is very simple and you can do it through the app or website. But you need:

  • Social Security Number
  • Gross income
  • Employer name (if applicable)
  • Rent/mortgage amount

Did you like this card? Click on the button below and get yours right now.