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Compare crypto credit cards 2021

A bitcoin credit card can earn you crypto for your investments with eligible purchases.

Cryptocurrency has only gained popularity since its 2009 beginnings. Now credit cards are branching out into this market, offering opportunities to earn bitcoin and other crypto on credit card purchases. In the US, there are just a few offerings available or imminently available, but we’re expecting to see more bitcoin credit cards in the months to come. Here are your crypto credit card choices and how they compare to one another.

Compare Crypto credit cards that are available now

There’s a handful of eagerly-awaited crypto credit cards that haven’t launched yet, but you don’t have to wait if you want to start earning crypto rewards now. Below are the cards that you can apply for now.

Name Product Filter values Rewards Purchase APR Annual fee
Upgrade Bitcoin Rewards
Earn unlimited 1.5% back in bitcoin rewards when you make payments on your purchases.
8.99% to 29.99% fixed
Unlimited 1.5% back in bitcoin
BlockFi Bitcoin Rewards Credit Card
3.5% back in Bitcoin in the first 90 days, up to a total of $100 in Bitcoin, then 1.5% on all purchases
14.99% to 24.99% variable
Earn 1.5% back as bitcoin on your everyday purchases.
SoFi Credit Card
2% cash back on eligible purchases when redeemed towards SoFi crypto, investing, saving, or paying down an eligible loan with SoFi
12.99% to 24.99% variable
Get a SoFi Invest crypto account and earn 2x points on all purchases, which you can redeem on cryptocurrency.
Brex 30 Card
8x points on rideshares, 5x on Brex Travel, 4x at restaurants, 3x on software subscriptions and 1x points on all other purchases
Redeem your earned points toward Bitcoin and Ethereum. This business credit card doesn't require a personal guarantee.
Gemini Credit Card
3% on dining, 2% on groceries and 1% on other purchases (redeem in cryptocurrencies on Gemini)
APR details not yet released
Earn rewards in the form of any available Gemini cryptocurrency when you spend on dining, groceries and other everyday purchases.

Compare up to 4 providers

Which crypto credit card should I pick?

While not all details are available on these crypto credit cards, the known card features allow us to get a sense of who might find each card valuable.

SoFi Credit Card

Who should get this card?

SoFi customers, or those looking to use SoFi’s investment services, should get this card.
The SoFi Credit Card was first designed as a rewards credit card for those with a SoFi investment or money account. As of May 2021, it has the most complete features of any available crypto card. It recently added the option to redeem points earned on crypto, turning this card into a one-stop-shop for bolstering your investments. The catch: this card is only valuable if you’re heavily entrenched in the SoFi system. Your points earned with this card are worth 1 cent each only if you redeem them toward your SoFi money account, investment account, personal loan or Invest crypto account. This amounts to a flat 2% cashback rate, which is excellent and on par with some of the top cashback cards on the market. Otherwise, points redeemed as a statement credit are worth a mere 0.5 cents each.

Top benefits
  • Great earning rate. You’ll earn 2x points on all purchases. When you redeem these points into your eligible SoFi accounts, including Invest crypto, they’re worth 1 cent each.
  • Welcome offer. Open and fund a SoFi Money and SoFi Invest account after getting approved for your card and you’ll earn $100.
  • Mastercard World Elite benefits. The SoFi Bitcoin Rewards Credit Card is a Mastercard World Elite card, which means it comes with a variety of valuable perks. This includes concierge service, price protection, rewards and discounts at select retailers and cell phone protection.

BlockFi Bitcoin Rewards Credit Card

Who should get this card?

BlockFi customers that want to earn bitcoin directly on their credit card purchases should get this card.
While the SoFi Credit Card lets you redeem your points into your crypto account, the BlockFi Bitcoin Rewards Credit Card earns bitcoin directly on your purchases. The value of your purchase is captured at the time of purchase and deposited into your BlockFi Interest Account each month. This makes the card a good tool for slowly building your bitcoin investment over time, especially since your earnings can earn interest in your BlockFi account. The BlockFi Bitcoin Rewards Credit Card also comes with several additional features you won’t find on the SoFi Credit Card, including bonuses on eligible trades and for referring friends to BlockFi.

Top benefits
  • Earn bitcoin on purchases. This card pays out 1.5% back as bitcoin at the end of each month. The value of bitcoin at the time of your purchase is captured and delivered to your BlockFi Interest Account at the end of each month.
  • Additional interest. Cardholders will earn an additional 2% APY on your average daily bitcoin balance in your Interest Account, up to $200 total in bitcoin annually.
  • Trading perks. You’ll earn 0.25% back in bitcoin on all eligible trades, up to $500 total in bitcoin each month.

Gemini Credit Card

Who should get this card?

Gemini customers or crypto investors who want to diversify their currencies should get this card.
The newest crypto credit card on the block hasn’t quite touched down yet, but current details are promising. This card earns tiered rewards on a few useful everyday categories: 3% back on dining, 2% back on groceries and 1% back on everything else. The real hook is you’ll earn these rewards in the form of crypto of your choice, based on Gemini’s available offerings. This means you’re not only earning a bigger rate than the competition, but you’re not restricted to a single type of crypto.

Top benefits
  • Earn crypto on purchases. You’ll earn 3% back on dining, 2% back on groceries and 1% back on everything else. You can choose to earn your rewards in the form of the cryptocurrency of your choice available on Gemini, with more than 30 to choose from.
  • Instant crypto posting. Unlike the BlockFi Bitcoin Rewards Credit Card, crypto you earn using your Gemini Credit Card is posted to your investing account immediately.
  • Trading perks. You’ll earn 0.25% back in bitcoin on all eligible trades, up to $500 total in bitcoin each month.
  • World Mastercard. The Gemini Credit Card is a World Mastercard, which means you can enjoy a number of benefits, including price protection and ID theft protection.

Brex 30 Card

Who should get this card?

Startup businesses that want to diversify their reward redemption options with crypto.
The Brex 30 Card, already a flexible startup business credit card, recently added crypto redemption options in the form of Bitcoin or Ethereum. This means Brex now has at least three redemption options for your points: cash back, miles or cryptocurrency. This is a helpful feature to have considering moving your points into crypto may not always prove the most valuable option depending on how the market is performing.

Top benefits
  • Strong and varied earnings. The Brex 30 Card earns 8x points on rideshares, 5x back on travel booked through Brex, 4x on dining, 3x on recurring software payments, and 1x on everything else.
  • Welcome offer. You can earn 50,000 points after spending $9,000 in your first 30 days.
  • No personal liability. The Brex 30 Card doesn’t require a personal liability, meaning you won’t be on the hook for your startup’s debts should it fail.

Venmo Credit Card

Who should get this card?

Frequent Venmo users or those casually interested in exploring cryptocurrencies.
The Venmo Card recently added the opportunity to redeem cashback directly as eligible cryptocurrencies. Given the flexible cashback opportunities available on the Venmo Card, this is a good option if you’re curious to build up some crypto on your purchases but don’t necessarily need other crypto perks.

Top benefits
  • Flexible earning rate. You’ll earn 3% cash back on your highest eligible spending category and 2% back on your second highest spending category each month, and 1% back on everything else.
  • Venmo integration. You can access and manage your Venmo card directly from the Venmo app.
  • Multiple currencies supported. You can redeem your cash back on Bitcoin, Ethereum, Litecoin and Bitcoin Cash.

What are crypto credit cards?

A crypto credit card is an emerging type of rewards credit card that allows you to either earn cryptocurrency through your eligible purchases, or redeem earned points on cryptocurrency. These cards may or may not also earn traditional reward points, and may feature limitations on the types of cryptocurrency you can earn using the card. You may also see these cards referred to as “bitcoin credit cards” given the popularity of bitcoin as a cryptocurrency.

How do crypto credit cards work?

Given the current lineup of crypto credit cards on the market, they work in much the same way as traditional rewards credit cards, with a few unique differences.

  • You have to create a crypto investment account to earn rewards. The investment company you use differs based on the particular crypto card. For example, you’ll need to open a BlockFi crypto investment account in order to earn crypto with the BlockFi Bitcoin Rewards Credit Card.
  • You may have to choose your desired cryptocurrency prior to purchases. For crypto credit cards that can earn multiple types of cryptocurrency, you’ll often need to select your desired currency through your card account prior to making purchases.
  • You may have to wait for your rewards to post. While most crypto credit cards on the market capture the market crypto value at the time of purchase, you may have to wait for those rewards to post to your account.
  • Reward value can change over time. While a crypto card will capture and delivery a certain amount of currency to your investment account, the value of your earned crypto is subject to the whims of the market from there. This is a sizable difference from traditional reward credit cards, which tend to have a fixed rewards rate per point.

Standout features of a crypto credit card

Given there are just a handful of crypto credit cards to look at, it’s hard to say what the top-of-the-line crypto features will end up being. For now, here’s what we plan to look at when reviewing these cards.

  • Crypto earning options. Based on our current options, it looks like crypto credit cards will either stick to a single cryptocurrency or allow you to choose from multiple options.
  • Earning rates. A traditionally important credit card metric – the higher the earning rate of a crypto credit card, the better.
  • Additional crypto trading features. BlockFi Bitcoin Rewards Credit Card is the only card to offer additional perks centered around crypto trading as of May 2021, but such features go a long way toward helping you make the most of your crypto earnings.
  • Welcome offer. Finally, a welcome offer is always appreciated on a rewards card and could prove especially valuable when obtained in crypto.

Is a crypto credit card a good idea?

If you’re heavily invested in growing your crypto investments, yes. Crypto credit cards are one of the few ways to crypto without purchasing the currency directly. They offer a reliable way to not only add to your existing investment, but diversify as well if you’re using a crypto credit card that can earn multiple types of cryptocurrencies. Plus, providers seem excited to continue development and support on crypto products, such as Sofi, who tells Finder they plan on continuing to develop new products and supporting their existing product into the future.

“Currently you can redeem your credit card rewards into Bitcoin and Ethereum, but we plan to expand the selection of coins that can have rewards redeemed into,” explained a Sofi representative.

For the average cardholder, however, a traditional rewards credit card is still the better choice for now. Crypto is far more complex to redeem than traditional points and the value of crypto earnings are far more volatile. To make the most of a crypto credit card, you’ll need to immerse yourself in crypto trading and know your way around a dogecoin or two.

Should I get a crypto credit card available now or sign up for the waitlist for the BlockFi Card or Gemini Card?

That depends on your investing needs, including which company you want to use and what cryptocurrency you want to earn. If you want to start earning right away, SoFi or Brex are your only options as of May 2021. SoFi offers 20 different cryptocurrencies to choose from, while Brex offers just two, though both offer value outside of pure cryptocurrency earnings.

Based on what we know, the Gemini Card is poised to offer the most crypto earning value per dollar spent, as well as one of the largest selections of eligible cryptocurrencies. BlockFi Card offers just 3.5% back in Bitcoin on all purchases but comes with a few additional Bitcoin trading perks that could prove valuable if you’re sticking to this currency.

Will more bitcoin credit cards catch on?

The short answer: probably. In the span of just a few months, we’ve already seen more than a handful of crypto credit cards either hit the market or announced for release this year. In some cases, providers added crypto support to their existing offerings. BlockFi has already mentioned to Finder that it’s weighing its options for additional entries into the crypto card space. And given the continuing popularity of crypto as well as the speed of which providers updated their card in response to market demand over 2020, we’re expecting to see more crypto credit cards or crypto features to hit the market in 2021.

Bottom line

Though new to the credit cards scene, crypto credit cards already show some promising opportunities for converting your purchases into a different kind of value. We’ll update our comparisons as further details emerge on the currently available cards and as new crypto cards hit the market.

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