The Bitcoin Company US Visa Reward Card
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Not listed
- ID check
- Email only
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
This virtual and physical card is for US residents who want to buy a card instantly with Bitcoin and spend at any Visa merchant without bank-level KYC. It is non-reloadable and has high foreign fees.
What we like
- +Bitcoin Lightning Network supported for instant funding
- +No monthly maintenance or issuance fees
- +Strong privacy, with no ID upload for basic use
- +Instant Bitcoin cashback in sats on purchases
- +Works with Apple Pay and Google Pay
Watch out for
- −Not reloadable, so a new card is needed for more funds
- −No ATM withdrawals
- −High foreign transaction fees of $2 + 2.5%
- −Domestic version limited to US merchants
7.7/10
Editor score
Good
5.5/10
User rating
Based on 25 sources
Lv 1
KYC Level
Email only
Global
Availability
4 countries excluded
Card Overview
Rewards
- Cashback
- 0.21%
- Cashback Crypto
- BTC
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- $0.05
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- 2.5%
- Top-up Fee
- —
- Decline Fee
- —
Limits
- Daily Spend
- $10,000
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Not available
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: Email only
- ✓Email verificationRequired
- ✕Phone verificationNot Required
- ✕Identity documentNot Required
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
5.5/10
Sourced from
The idea is attractive: earning actual Bitcoin in sats rather than a house token, with Lightning enabling quick reward withdrawals to a personal wallet. Rewards of up to 25% sats back on select brands and 3% on ad spend through gift card arbitrage look good for heavy users. Recent feedback is troubling, though. Trustpilot gives 2.5 out of 5, and users say prepaid cards from the third-party issuer often get blocked or flagged as stolen or invalid after a few transactions, with no recourse. Some lost $200 or more under a no-refund policy. Support is by US phone only, with delays of months and heavy personal data requests. The Android app lacks lnurl auth, Plaid linking often fails, and cards decline at recurring merchants such as Netflix and Spotify. Claims of global use clash with failures in Europe and Asia. Card Linked Offers through Plaid give the company full sight of bank transactions, which conflicts with the privacy focus.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Bitcoin, Lightning
Frequently asked questions
Does the The Bitcoin Company US Visa Reward Card require KYC?
Yes. The Bitcoin Company asks for email only before issuing the card. Only an email address is needed to open an account.
What fees does the The Bitcoin Company US Visa Reward Card charge?
The card has a monthly fee of free, an issuance fee of free, an FX fee of 2.5%. See the fee table above for ATM and decline fees.
Does the The Bitcoin Company US Visa Reward Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the The Bitcoin Company US Visa Reward Card?
It is available in most countries, except Cuba, Iran, North Korea, Syria.
Which cryptocurrencies does the The Bitcoin Company US Visa Reward Card support?
BTC.
Last updated August 19, 2026, verified August 6, 2026.