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.
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
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.
Average American household spending: ~$6,000/month
At 1.5% Bitcoin back:
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.
The Onramp card isn't a standalone product. It's part of the complete Onramp financial platform:
Your rewards card, your savings, your retirement, your Bitcoin — all in one platform, all protected by Multi-Institution Custody.
Every purchase is a Bitcoin purchase. Start stacking.
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.
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.
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.
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.
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.
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