Available regions
Applications or normal card activation are supported
No Open Regions
- Evidence
- Officially supported
Card database / Visa / Crypto cashback credit card
U
Upgrade Bitcoin Rewards Card
Updated: Jul 29, 2026
The Upgrade Bitcoin Rewards Card was a Visa crypto rewards credit card offered by Upgrade to US residents. Users made purchases with a US dollar credit line and repaid them in instalments at a fixed interest rate and over a fixed term. Each repayment of an eligible purchase balance earned a 1.5% Bitcoin reward. NYDIG provided reward trading and custody services. Rewards could not be transferred to a personal wallet and could only be sold after the holding period to offset the credit card bill. Applications for the product have ended.
Confirmed unavailable on App Store
Official and company information
Issuer identity and company credentials
Upgrade, founded in 2016, is a leading US digital personal finance platform (neobank). Targeting mainstream US consumers, the platform offers highly integrated personal installment loans (Flex Pay), auto loan refinancing, and the Upgrade Visa debit card and innovative credit card with high cash back rewards. All underlying banking services, checking and savings accounts, credit line approvals, and lending are compliantly delivered through deep technical integration with licensed bank partners.
- Company / issuer
- Upgrade
- Legal name
- Upgrade, Inc.
- Registered region
- United States (US)
- Headquarters
- Original美国加利福尼亚州旧金山
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
Upgrade Bitcoin Rewards Card launched on July 21, 2021, as the Bitcoin rewards version of Upgrade Card. Once approved, cardholders could immediately use a virtual card and subsequently received a physical Visa Signature card for purchases at online and in-person Visa merchants. Each unpaid purchase was converted into an instalment balance with a fixed interest rate and fixed term. Historical credit limits generally ranged from USD 500 to USD 25,000. Users earned 1.5% BTC rewards when repaying purchase balances. Rewards were held in custody in an NYDIG wallet and could be sold only after being held for at least 90 days. Sales incurred a 1.5% transaction fee, and the proceeds could only be applied as statement credits, not withdrawn to a personal Bitcoin wallet. The card was discontinued in 2023. Upgrade's current product range has shifted to cards offering cashback and lifestyle spending rewards.
Visa card experienceRegional availabilityTerms may change
Notice: Upgrade Bitcoin Rewards Card stopped providing Bitcoin rewards and accepting new card applications in 2023. Upgrade and other Upgrade Card products remain in operation, but current products no longer provide the original card's NYDIG Bitcoin rewards account.
Card variants and fee differences
Compare verified fee records across card forms and tiers
U Upgrade Bitcoin Rewards Program | |
|---|---|
| Card form | Virtual + physical card |
| Fees | |
| Monthly fee | Free |
| Card issuance fee | Free |
| ATM fee | — |
| Foreign exchange fee | 3% According to historical credit terms |
| Top-up fee | — |
| Failed transaction fee | — |
| Rewards | |
| Cashback | — |
| Crypto cashback | 1.5% Earned after repaying purchases |
| Staking rewards | — |
| Staking APR | — |
| Welcome bonus | — |
| Referral bonus | — |
| Limits | |
| Daily spending limit | — |
| Monthly spending limit | — |
| ATM withdrawal limit | — |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and China applicability
Application status based on public sources, official policy, and user reports. This is not application advice.
Unsupported or restricted regions
Applications or features are unavailable or restricted
Global
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
China applicability
The source text is retained below.
Original
1、中国大陆：不可申请；该卡历史上仅面向符合条件的美国居民发行，目前比特币奖励产品已经停止，不能继续申请或使用该产品。
2、香港：不可申请；香港居民不属于该卡历史申请范围，产品现已停止提供，不能获得虚拟卡或实体卡进行支付。
3、澳门：不可申请；该卡从未面向澳门居民正式开放，目前产品已经停止，不支持线上消费、线下刷卡或移动钱包支付。
4、台湾：不可申请；台湾居民不符合原美国居民申请条件，当前也不存在可以正常申请和使用的比特币奖励卡。
Updated: Jul 29, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
YesRequiredAccepted documents
Government-issued ID / Bank statement / Pay stub
Review time / regional limits
Pre-approval can usually be completed within one minute; additional documents or income materials trigger manual review.
KYC provider
Upgrade, Inc.
Updated
Jul 29, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported0
Not supported12
UpdatedJul 29, 2026
Wallet payments
Alipay
Not supported
Jul 29, 2026
Wallet payments
Apple Pay
Not supported
Jul 29, 2026
Cash services
ATM withdrawal
Not supported
Jul 29, 2026
AI tools
ChatGPT
Not supported
Jul 29, 2026
AI tools
Claude
Not supported
Jul 29, 2026
Wallet payments
Google Pay
Not supported
Jul 29, 2026
AI tools
Midjourney
Not supported
Jul 29, 2026
In-person payments
Offline POS
Not supported
Jul 29, 2026
Online shopping
Online shopping
Not supported
Jul 29, 2026
Wallet payments
PayPal
Not supported
Jul 29, 2026
Subscriptions
Subscription payment
Not supported
Jul 29, 2026
Wallet payments
WeChat Pay
Not supported
Jul 29, 2026
User reviews
Showing 10 approved reviews matched to this card
The rep was professional and listen to…
The rep was professional and listen to my concerns and quickly responded to my question. Good customer service!
View original Great experience
Very easy to use and convenient pay. Great service
View original Worry-Free vacation Planning
You took all the worry over planning a vacation and made it easy and affordable.
View original The opportunity to have this option to …
The opportunity to have this option to make small payment for things that I couldn't normally afford.
View original Returning customer
Returning customer. Process quick efficient.
View original Putting the customer first and making…
Putting the customer first and making sure they are aware of the process.
View original Easy to apply and easy selection of…
Easy to apply and easy selection of payment plans
View original Love the flex pay option
View original Simplicity
View original Very fast approval process.
View original Risk factors
Updated: Jul 29, 2026
No risk factors are available