The top platforms that enable users to earn Bitcoin and cryptocurrency rewards through regular purchases, online shopping, and credit card spending will be highlighted in this article’s discussion of the Top Upgrade Bitcoin Rewards Rivals for US Consumers.
To assist customers in finding appropriate substitutes, I will compare their reward rates, supported stores, payment options, eligibility conditions, fees, and redemption procedures.
Key Points & Top Upgrade Bitcoin Rewards Rivals for US Consumers
| Platform | Explanation |
|---|---|
| Gemini Credit Card | Earns instant crypto rewards, offering 4% gas, 3% dining, 2% groceries. |
| Coinbase One Card / Coinbase Visa Card | Provides Bitcoin cashback, with reward rates increasing based on Coinbase account asset holdings. |
| Crypto.com Visa Card | Offers Bitcoin or CRO cashback rewards, with benefits depending on membership tiers. |
| Venmo Credit Card | Provides automatic cashback rewards, allowing users to convert eligible earnings into cryptocurrency. |
| Lolli (Browser Extension & App) | Rewards online shoppers with Bitcoin cashback when purchasing through participating retail partners. |
| Pei App | Offers cashback at participating retailers, allowing users to accumulate redeemable shopping rewards. |
| CoinRebates | Helps shoppers earn Bitcoin rebates through purchases made with supported merchant partners. |
| BitcoinRewards | Connects shoppers with cashback offers, enabling Bitcoin earnings through participating online retailers. |
| StormX | Rewards online shopping through cryptocurrency cashback, supporting multiple digital currencies and retailers. |
| BitPay Mastercard | Enables cryptocurrency-funded purchases, offering convenient spending through a prepaid Mastercard payment network. |
10 Top Upgrade Bitcoin Rewards Rivals for US Consumers
1. Gemini Credit Card
US customers can earn Bitcoin on regular transactions with the Gemini Credit Card, a cryptocurrency rewards credit card. 4% back on gas, EV charging, transportation, taxis, and ridesharing; 3% on dining; 2% on grocery; and 1% on other qualifying expenditures are all offered by its reward system.
Spending up to $300 per month is eligible for the 4% category; after that, purchases earn 1%. Anywhere Mastercard is accepted, including partner online and physical stores, the Mastercard network facilitates purchases.
Candidates must fulfilll issuer, credit approval, and US residency criteria. There’s no yearly cost. Users can select from more than 50 supported cryptocurrencies or obtain Bitcoin instantly.
Gemini Credit Card Features
- Must be a US resident with an eligible residential address.
- Applicants must be at least 18 years old.
- Must complete identity verification and provide required personal information.
- Credit approval is required from the card issuer.
Gemini Credit Card Reward Redemption Details
| Point | Explanation |
|---|---|
| Payout form | Rewards are paid in crypto, not points or cash back. |
| Choice of coin | You pick which supported cryptocurrency receives your rewards. |
| Delivery | Rewards are deposited into your Gemini account soon after purchases post. |
| Use | You can hold, trade, or withdraw the crypto to an external wallet. |
2. Coinbase One Card / Coinbase Visa Card
For customers interested in cryptocurrency incentives, Coinbase provides two distinct card offerings. Depending on assets kept in Coinbase accounts, the Coinbase One Card offers 2%–4% Bitcoin back; higher rates are subject to monthly purchase restrictions. It requires an active, paid Coinbase One membership, which starts at $49.99 a year, and runs on the American Express network.
A different Visa prepaid debit card that offers variable bitcoin benefits, such as rotating reward options, is the Coinbase Card. Anywhere Visa debit cards are accepted, it functions.
There is no annual fee or credit check required for US residents, with the exception of Hawaii, to apply for the debit card. Spending fees and rewards vary depending on the product.
Coinbase One Card / Coinbase Visa Card Features
- Must be at least 18 years old.
- Must reside in the United States, excluding US territories.
- Must maintain a valid, verified Coinbase account.
- Must have an eligible annual Coinbase One membership and pass credit approval.
Coinbase One Card / Coinbase Visa Card Reward Redemption Details
| Point | Explanation |
|---|---|
| Payout form | Rewards are paid mainly in Bitcoin, with other supported crypto available. |
| Reward level | Coinbase One members get a higher back rate than non-members. |
| Delivery | Rewards are credited to your Coinbase account after transactions settle. |
| Use | You can hold, convert, send, or sell the crypto like any other Coinbase balance. |
3. Crypto.com Visa Card
Through regular purchases, qualified US customers can earn rewards in Bitcoin or Cronos (CRO) with the Crypto.com Visa Signature Credit Card. Bitcoin benefits vary from 1% to 6% depending on the Level Up membership; following monthly spending criteria, reduced rates apply.
Visa cards can be used by customers to make qualified purchases at participating businesses all around the world. Candidates must register for an account on Crypto.com, finish the verification process, and be granted credit.
The Basic membership is free, while the Plus and Pro tiers start at $4.99 and $29.99 per month, respectively; higher memberships might need lockups or CRO staking. There is no yearly charge associated with the credit card itself.
Crypto.com Visa Credit Card Features
- Must reside in an eligible US state.
- Must be at least 18 years old.
- Must create and verify a Crypto.com account.
- Must meet issuer credit approval requirements and applicable Level Up tier conditions
Crypto.com Visa Card Reward Redemption Details
| Point | Explanation |
|---|---|
| Payout form | Cashback is usually paid in CRO, Crypto.com’s native token. |
| Tier-based rate | The rate depends on your card tier, which is tied to the CRO you stake. |
| Delivery | Rewards are credited to your Crypto.com App wallet, sometimes after a pending period. |
| Use | You can swap, trade, withdraw, or spend the CRO, and some tiers add subscription rebates such as Spotify or Netflix. |
4. Venmo Credit Card
Through Venmo’s cryptocurrency functionality, customers can possibly convert the cashback benefits offered by the Venmo Credit Card into Bitcoin. 3% cashback is offered on the highest spending category, 2% on the second-highest, and 1% on the remaining qualifying transactions under its conventional rewards structure.
Additionally, the card offers cashback on qualified purchases made via Venmo and affiliated online retailers. Customers can use it anywhere that Visa credit cards are accepted. Candidates must fulfilll the conditions for credit approval, identity verification, and US eligibility.
There’s no yearly cost. Venmo mainly offers cash rewards, which qualified customers can utilize to automatically buy bitcoin through its Cash Back to Crypto program, in contrast to direct Bitcoin rewards cards.
Venmo Credit Card Features
- Must have an active Venmo account in good standing.
- Venmo account must be open for at least 30 days.
- Must provide personal information, residential address, and income details.
- Must pass the issuer’s credit approval proce
Venmo Credit Card Reward Redemption Details
| Point | Explanation |
|---|---|
| Payout form | Rewards are standard cash back, not crypto by default. |
| Categories | The highest rate applies to your top spending category each billing cycle, with lower rates on the rest. |
| Delivery | Cash back goes into your Venmo balance. |
| Use | You can transfer it to a bank, spend it, or use it to buy crypto in Venmo. |
5. Lolli (Browser Extension & App)
Through its mobile app and browser extension, Lolli, a Bitcoin cashback platform, enables US customers to earn cryptocurrency while making online purchases. Retailers have different Bitcoin incentive rates, with some promotions offering up to 3% or more.
Amazon, Best Buy, Walmart, Target, Nike, LEGO, and other participating businesses are among the supported shopping partners. Before making purchases using approved shopping links, users activate cashback offers.
Customers use their current payment methods; Lolli does not require a credit or debit card of its own. Residents of the United States are not required to pay a membership fee when creating an account. External wallets can withdraw Bitcoin, however USD withdrawals need a minimum of $15.
Lolli (Browser Extension & App) Features
- Must create a valid Lolli account.
- Must meet the platform’s minimum age requirements.
- Must provide an eligible account and payment or withdrawal information.
- Must reside in a supported location for applicable Bitcoin withdrawals.
Lolli (Browser Extension & App) Reward Redemption Details
| Point | Explanation |
|---|---|
| Payout form | You earn Bitcoin back when shopping at partner stores. |
| How to earn | You activate the extension or app before checkout so the purchase is tracked. |
| Delivery | Rewards show as pending until the merchant’s return window passes, then become available. |
| Use | You can hold the Bitcoin in your Lolli account or withdraw it to a wallet. |
6. Pei App
Pei was a card-linked cashback app that let users earn Bitcoin or regular cashback when they made purchases at partner stores. Instead of offering a single fixed Bitcoin %, its past reward rates varied based on merchant offers, spending categories, and promotional activities.
Major eateries and stores including Starbucks, Walgreens, Target, and Uber were promoted by the site. By linking qualified debit or credit cards to their Pei accounts, users were able to make purchases that automatically generated rewards without the need for a separate payment card. \
In the past, customers could exchange accrued cashback for Bitcoin or other prizes. However, Pei’s prior eligibility restrictions, fees, and reward redemption services are no longer available because it ceased operations around December 2021.
Pei App Features
- Previously required users to register for a Pei account.
- Users needed an eligible debit or credit card.
- Linked payment cards had to be supported by the platform.
Pei App Reward Redemption Details
| Point | Explanation |
|---|---|
| Payout form | Rewards are typically credited in the app’s own balance or supported crypto. |
| How to earn | You earn through eligible purchases, payments, or promotions inside the app. |
| Delivery | Rewards usually appear after the transaction is verified. |
| Use | You can redeem them in-app or withdraw them, subject to the app’s minimums. |
7. CoinRebates
A Bitcoin payback shopping platform called CoinRebates has been mentioned as a way to reward customers for making purchases from participating online merchants. Earning cryptocurrency rebates instead of conventional credit card rewards was the original idea behind it. However, it was impossible to find trustworthy, up-to-date information verifying its Bitcoin reward rates, active merchant partnerships, supported payment methods, and redemption structure.
In contrast to well-known rivals, it is not possible to verify if CoinRebates presently has a functioning consumer rewards program in the United States. Therefore, before thinking about registering, customers should confirm its official website, merchant availability, withdrawal alternatives, account eligibility, and prospective service fees. Rather than being an established active alternative, it should be viewed as an unproven competitor.
CoinRebates Features
- Historical users needed to register for an account.
- Users needed access to participating online shopping merchants.
- Eligible purchases had to follow platform tracking requirements.
- Current US eligibility and registration availability remain unverified.
CoinRebates Reward Redemption Details
| Point | Explanation |
|---|---|
| Payout form | Rebates are paid in crypto, such as Bitcoin, based on your purchases. |
| How to earn | You click through the site’s merchant links before shopping so the sale is tracked. |
| Delivery | Rebates are pending first, then confirmed after the merchant validates the order. |
| Use | You withdraw to your own crypto wallet once you reach the minimum payout. |
8. BitcoinRewards
Customers can earn Bitcoin by making purchases at participating businesses through BitcoinRewards, which is currently represented by the Oshi platform. Typical shopping rewards range from 1% to 5%, according to its stated reward information.
Referrals, VIP membership bonuses, social engagement, and Bitcoin payment incentives are additional prospects. Online retailers, eateries, service providers, and nearby companies featured in its shopping directory are examples of supported merchants.
don’t need a special rewards credit card to earn Bitcoin when they shop through participating merchant offerings. According to the platform, there are no membership or enrollment costs, and earning incentives is free. After merchant-specific holding periods, users can withdraw eligible Bitcoin through Lightning-compatible wallets or redeem points for merchant discounts.
BitcoinRewards (Oshi) Features
- Must create an account on the Oshi platform.
- Must provide the required account and identity information.
- Must have access to participating merchants and eligible shopping offers.
- Must meet applicable Bitcoin withdrawal and reward redemption requirements.
BitcoinRewards Reward Redemption Details
| Point | Explanation |
|---|---|
| Payout form | You earn a percentage of your spending back as Bitcoin. |
| How to earn | You shop through the platform’s partner merchants or linked offers. |
| Delivery | Rewards are credited after the purchase is confirmed and the return period ends. |
| Use | You can hold the Bitcoin or withdraw it to a personal wallet. |
9. StormX
Customers can earn digital currency by shopping online with StormX, a cryptocurrency payback program. Depending on participating retailers, special deals, and membership levels, its advertized cashback rates vary from 0.5% to over 87.5%. The platform links customers with over 1,000 online retailers in various categories.
Through its Chrome browser extension or mobile application, users may see offers and make purchases using their current payment methods. It is free to sign up for the basic rewards program and create an account.
Keeping STMX tokens in a linked wallet is necessary for higher reward tiers. Once they have reached the $10 requirement, users can withdraw their earned cryptocurrency rewards to compatible wallets.
StormX Features
- Must register for a StormX account.
- Must meet applicable age and regional eligibility requirements.
- Must access supported merchants through the application or browser extension.
- Must complete applicable verification and cryptocurrency withdrawal requirements.
StormX Reward Redemption Details
| Point | Explanation |
|---|---|
| Payout form | Rewards are paid in STMX tokens, with other crypto options at times. |
| How to earn | You earn from shopping at partner stores and from in-app tasks. |
| Delivery | Rewards are confirmed after merchant validation, then added to your balance. |
| Use | You can cash out to a crypto wallet, hold the tokens, or use them in the StormX ecosystem. |
10. BitPay Mastercard
The BitPay Mastercard is a prepaid card that is funded by cryptocurrencies and is intended to assist customers in using digital assets at participating retailers. It does not currently offer a normal Bitcoin reward rate on regular purchases, in contrast to conventional Bitcoin cashback cards.
In the past, its cashback program used participating retail partners to deliver variable merchant-specific benefits. Purchases made at qualified retailers and online retailers were supported by the Mastercard network. The card could be funded by users using compatible cryptocurrency balances, which they could then exchange for cash.
In the past, US clients required a qualifying account and identity verification. Depending on the terms, international transaction costs were included in card fees. It’s important to note that new card applications were reportedly halted in 2026, so before suggesting it, current availability must be confirmed.
BitPay Mastercard Features
- Historically, applicants needed to be eligible US residents.
- Applicants had to complete identity verification.
- Users needed a supported BitPay account and funding method.
BitPay Mastercard Reward Redemption Details
| Point | Explanation |
|---|---|
| Type of card | It is a prepaid debit card funded with crypto, not a rewards credit card. |
| Rewards | It has no standard rewards program, and any cashback comes from occasional promotions. |
| Redemption | The value is redeemed by spending: BitPay converts your crypto to fiat at checkout. |
| Use | You can pay at merchants, withdraw at ATMs, and manage the balance in the BitPay app, with fees possibly applying. |
Conclusion
To sum up, the Top Upgrade Bitcoin Rewards Rivals for US Consumers provide several opportunities to earn cryptocurrencies through cashback programs, online shopping, and regular purchases.
Numerous incentive options are offered by platforms such as Gemini, Coinbase, Crypto.com, Lolli, and StormX. To locate the best rewards program, customers should compare Bitcoin reward rates, eligibility, fees, supported stores, and redemption choices before selecting a platform.
FAQ
What are the top Bitcoin rewards rivals for US consumers?
Gemini, Coinbase, Crypto.com, Venmo, Lolli, and StormX offer cryptocurrency rewards opportunities.
Which platform offers Bitcoin credit card rewards?
Gemini and Coinbase offer credit card rewards with Bitcoin earning options.
Can consumers earn Bitcoin through online shopping?
Yes, Lolli and StormX provide Bitcoin or cryptocurrency rewards through shopping.
Do Bitcoin rewards platforms charge membership fees?
Some platforms are free, while others require subscriptions or additional fees.
