Skip to content

Upgrade Bitcoin Rewards Visa®

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

The Upgrade Bitcoin Rewards Card provides a hands-off approach for investing in bitcoin, offering an unlimited 1.5% back in bitcoin on every purchase you make. It’s important to note that you cannot transfer bitcoin from this card to external wallets, and there’s a 1.5% transaction fee to sell your bitcoin. You may be required to set up autopay for your monthly payments.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 8.99% - 29.99% Variable

Upgrade Bitcoin Rewards Visa®

Our rating
Good Min. credit level
$0 Annual Fee
How To Apply

Highlights & Features


Spending Rewards
  • 1.5% back in bitcoin on all card payments (not card purchases)

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 8.99% - 29.99% Variable
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee N/A
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee $0
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

Card Benefits

  • No Foreign Transaction Fee

Sutton Bank

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service


The Upgrade Bitcoin Rewards Card offers a simplified avenue for investing in cryptocurrency by offering rewards that automatically convert to bitcoin.

You’ll get an unlimited 1.5% cash back in bitcoin when you make card payments — not when you make card purchases, like most reward cards.

The Upgrade Bitcoin Rewards Card has no annual or foreign transaction fee.

This card has some important terms we think you should be aware of before applying:

  • You cannot transfer your bitcoin to a separate wallet.
  • There is an initial 90-day holding period after your first bitcoin purchase on your account, in which time your bitcoin cannot be sold.
  • Sales of bitcoin are subject to a 1.5% transaction fee which will be deducted from your total sale proceeds.
  • Bitcoin rewards are purchased within 1-2 statement periods from the date your payment is received.
  • The value of the bitcoin purchased is based on the reference rate at the time of the bitcoin purchase, not when the transaction is made.
  • Your account may require autopay on monthly payments.

As of August 2021, the Upgrade Bitcoin Rewards Card is not available in Hawaii, Indiana, Iowa, Louisiana, Nebraska, Nevada, New Hampshire, North Carolina, West Virginia, Wisconsin and Washington, D.C.

Check out these other cards if you’re in the market for crypto rewards:

Scroll to top