Top Crypto Reward Credit Cards in 2023

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Crypto credit cards, often called Bitcoin credit cards, represent the evolution of credit cards. In appearance and function, they resemble traditional credit cards, with the added advantage of allowing you to use cryptocurrency for transactions wherever Visa, Mastercard, or Amex are accepted.

Usually, crypto credit cards are issued by banks or financial institutions, providing a credit line to the cardholder. Alternatively, your credit limit might be linked to your cryptocurrency balance.

There are several advantages to using crypto credit cards, including:

1. Earning Crypto Rewards: Similar to cashback rewards, these cards offer crypto rewards.
2. Direct Crypto Purchases: They enable straightforward cryptocurrency purchases.
3. Cash Withdrawals: You can withdraw cash from ATMs without converting it to fiat currency first.

However, it’s crucial to use these cards responsibly, be aware of tax obligations, and pay your balance in full each month to avoid high interest fees.

Gemini Crypto Credit Card

Gemini, a cryptocurrency exchange, also offers a crypto credit card. With this card, you can use your digital currency just like any other credit or debit card worldwide. The exchange supports over 50 types of cryptocurrencies, and rewards are provided immediately to depositors and account holders.

The card does not charge additional fees for purchases or ATM withdrawals (though cash advance fees apply). It also offers features like 24/7 customer support and fraud protection.

– Fees: No annual fees. Variable APR of 17.74% – 29.74%. $10 or 3% (whichever is greater) for cash advances. No ATM withdrawal fees.
– Cryptos Supported: Offers rewards in Bitcoin and 50+ other currencies.
– Rewards: 3% crypto rewards for dining (up to $6k annually, then 1%), 2% for groceries, and 1% for everyday purchases.
– Availability: Only for United States residents. The Gemini card is accepted worldwide wherever Mastercard is.

Upgrade Bitcoin Rewards Card

Upgrade offers a Bitcoin credit card that allows you to earn Bitcoin rewards when making purchases. You can pay off your balance in equal monthly payments for a fixed interest fee, simplifying budgeting. The Visa card also enables you to access a personal loan paid directly to your account.

Once you’ve accumulated bitcoin rewards, they can be stored on the NYDIG platform and used as statement credits when you sell them. There’s a 90-day holding period for these rewards.

– Fees: None, except a 1.5% fee on bitcoin when you sell.
– Cryptos Supported: Bitcoin.
– Rewards: Unlimited 1.5% cashback. Additional benefits include baggage insurance, purchase protection, and extended warranty coverage.
– Availability: Not available in Hawaii and North Carolina.

Brex Corporate Credit Card

The Brex corporate credit card is tailored for business owners, offering exclusive rewards designed to benefit their businesses. Cardholders can redeem points for Bitcoin or Ethereum through Brex’s partner, TravelBank.

Brex also provides a special tier with the highest cashback multipliers available. It’s an excellent choice for business owners seeking to streamline spending and enjoy crypto rewards.

– Fees: No annual fee.
– Cryptos Supported: Bitcoin and Ethereum.
– Rewards: Exclusive rewards focused on enhancing businesses, including executive coaching services and mental health sessions with Spring Health.
– Availability: Available in all 50 states, but businesses must be located in the U.S. and structured as a C-corp, S-corp, LLC, or LLP.

Venmo Credit Card

Venmo, a mobile payment service that added cryptocurrency functionality in 2021, now offers a credit card that allows users to convert cashback incentives into crypto. It’s an attractive option for both existing Venmo users and newcomers interested in exploring cryptocurrencies in a low-pressure manner.

– Fees: 3% fee for sending money
– Cryptos Supported: Bitcoin, Ethereum, Litecoin, and Bitcoin Cash.
– Rewards: 3% cashback on a top spend category, 2% cashback on a secondary category, and 1% on all other eligible purchases.
– Availability: Not available in Hawaii.

Category	Winner	Description
Top Crypto Credit Card for Rewards	BlockFi Bitcoin Rewards credit card	Offers 3.5% in Bitcoin for the first 90 days and ongoing 2% cash back, along with a Rewards Flex program for alternative cryptocurrencies.
Top Crypto Credit Card for Crypto Support	Gemini	Provides flexibility with access to over 50 cryptocurrencies besides Bitcoin and Ethereum.
Top Crypto Credit Card for Low Fees	Upgrade Bitcoin Rewards Card	Features no annual, foreign exchange (FX), or draw fees.
Best Crypto Credit Card Overall	Venmo Credit Card	Attracts users with its large mobile payment user base, offering cash back in the form of crypto rewards.

Tips for Using Bitcoin Credit Cards

• Read the Fine Print: Crypto credit cards often have complex fee structures, so do your homework to understand them fully.
• Understand the Type: Ensure you know whether the card is a true credit card or a debit card tied to your crypto balance.
• Check Availability: Many crypto credit cards are limited to specific regions, and international usage can come with conversion fees.
• Expect Delays: Cryptocurrency transactions aren’t instant, so be prepared for processing delays.
• Consider Volatility: Remember that cryptocurrencies can be highly volatile, affecting the value of your cashback rewards.

Why Use Bitcoin Credit Cards?

For many investors, using a credit card that allows them to pay off their monthly balance in dollars while earning crypto cashback rewards is an ideal choice. It combines the benefits of a traditional credit card with the added advantage of earning cryptocurrencies, which have shown significant growth in recent years.

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