Bitcoin Rewards Card: Earn 1.5% Bitcoin Back on Every Purchase

Stack Sats on Every Purchase

Every dollar you spend earns Bitcoin. The Onramp Bitcoin Rewards Card pays 1.5% Bitcoin back on every purchase — groceries, gas, restaurants, subscriptions, travel, everything. No categories to track. No spending caps. No annual fee.

Your Bitcoin rewards are automatically deposited into your Onramp account and secured by Multi-Institution Custody. Not sitting on a single exchange. Not vulnerable to a single custodian failure. Protected across BitGo, Coinbase, and Anchor Watch.

How It Compares

Feature | Onramp | Fold Card | Unchained Card

Rewards rate | **1.5% flat on everything** | Variable (spin wheel) | Up to 2% (with caveats)

Annual fee | **$0** | $0-$150 depending on tier | Varies

Foreign transaction fees | **None** | 3% | Varies

Rewards custody | **Multi-Institution (3 custodians)** | Single custodian | Self-custody (you manage keys)

Rewards structure | Guaranteed, predictable | Gamified, variable | Fixed but requires hardware

Additional products | IRA, Yield, Loans, Custody | Spending only | Lending, Custody

Why Flat-Rate Beats Gamified

Fold uses a spin-the-wheel rewards model. Sometimes you earn 1%, sometimes 5%, sometimes less. It's designed to be fun, but over time, the average rate is lower than Onramp's guaranteed 1.5%.

Serious Bitcoin accumulators want predictability, not a slot machine. Every purchase = 1.5% Bitcoin. Period.

The Math of Bitcoin Rewards

Average American household spending: ~$6,000/month

At 1.5% Bitcoin back:

• Monthly: ~$90 in Bitcoin rewards
• Annual: ~$1,080 in Bitcoin rewards
• Over 5 years: ~$5,400 in Bitcoin (at purchase price)

But here's where it gets interesting. If Bitcoin appreciates at its historical average rate, those rewards purchased at today's prices compound dramatically over time. Dollar cost averaging through your everyday spending.

As Parker Lewis writes: "Bitcoin is not too expensive." Every sat matters.

Card Features

• 1.5% Bitcoin back on all purchases
• No annual fee
• No foreign transaction fees
• Contactless payment (Apple Pay, Google Pay compatible)
• Real-time notifications for every transaction
• Instant Bitcoin deposits — rewards hit your Onramp account immediately
• MIC-secured rewards — your earned Bitcoin is protected by Multi-Institution Custody

More Than a Card — A Financial Platform

The Onramp card isn't a standalone product. It's part of the complete Onramp financial platform:

• Earn 5% on your cash balance while you spend
• Bitcoin IRA — redirect rewards into tax-advantaged growth
• Borrow against Bitcoin without selling your stack
• Custody — the most secure Bitcoin custody in the industry

Your rewards card, your savings, your retirement, your Bitcoin — all in one platform, all protected by Multi-Institution Custody.

Getting Started

1. Open your Onramp account
2. Apply for the Bitcoin Rewards Card
3. Add to your wallet (Apple Pay/Google Pay)
4. Start earning 1.5% Bitcoin on every purchase

Every purchase is a Bitcoin purchase. Start stacking.

Frequently Asked Questions

How much Bitcoin do you earn with the Onramp card?

The Onramp Bitcoin Rewards Card earns 1.5% Bitcoin back on every purchase. There are no spending caps, no category restrictions, and no annual fee. Bitcoin rewards are deposited directly into your Onramp custody account.

How does Onramp's Bitcoin card compare to Fold?

Onramp offers a flat 1.5% Bitcoin back on all purchases. Fold uses a spin-the-wheel rewards model with variable rates. Onramp's rewards are secured by Multi-Institution Custody, while Fold uses a single custodian. Onramp charges no annual fee.

Are Bitcoin rewards from the Onramp card taxable?

Bitcoin rewards earned through the Onramp card are generally treated as a purchase discount, not income, similar to credit card cash back. Consult your tax advisor for specifics. Onramp provides annual tax reporting for all account activity.

Can I use the Onramp card with Apple Pay?

Yes. The Onramp Bitcoin Rewards Card is compatible with Apple Pay, Google Pay, and contactless payment terminals. You earn 1.5% Bitcoin back on all purchases regardless of payment method.

What happens to my Bitcoin rewards?

Bitcoin rewards are automatically deposited into your Onramp account and secured by Multi-Institution Custody across BitGo, Coinbase, and Anchor Watch. Your rewards accumulate alongside your other Bitcoin holdings with the same institutional-grade security.