Upgrade Bitcoin Rewards

This card is built for someone who wants a simple rewards card and likes the idea of earning Bitcoin instead of standard cash back. It works best as an everyday spending card for people comfortable with crypto's ups and downs, not for someone looking for bonus categories or premium perks.

Annual Fee

Rec. Credit Score

Good

Good For

Crypto-curious everyday spenders

How to Apply Estimate your value

All information about Upgrade Bitcoin Rewards has been collected independently by MaxRewards. Upgrade Bitcoin Rewards is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Upgrade Bitcoin Rewards worth it?

This card is great for...

Bitcoin on daily purchases

Flat-rate everyday spending

No annual fee rewards

The Upgrade Bitcoin Rewards is worth a look if your main goal is keeping rewards simple while building a small Bitcoin balance through regular spending. A flat 1.5% back on everything is easy to use, and the $0 annual fee means you do not need to offset a yearly cost to come out ahead.

For most readers, the main question is not the earn rate, it is whether they actually want their rewards tied to Bitcoin. If you would rather have predictable cash back, this card gives up flexibility without offering higher rewards or extra card benefits to make up for it. It makes the most sense for someone who already wants Bitcoin exposure and prefers a straightforward earning structure over category bonuses.

MaxRewards Verdict

A reasonable fit for cardholders who want no-fuss rewards and specifically want them paid in Bitcoin. If you do not care about crypto, a standard 1.5% or 2% cash-back card will usually be the cleaner choice.

Earning

Rewards

The rewards setup here is simple: you earn a flat 1.5% back on purchases, with rewards tied to Bitcoin rather than traditional cash back. That makes this card easy to use day to day, but the real appeal depends on whether you want crypto exposure from your spending.

CategoryRate

Everywhere

1.5%

Rewards percent based on a valuation of 1¢ per Bitcoin point

Eligibility

Recommended Minimum Credit

Min: Good

Poor

Fair

Good

Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing