BTC Cashback Explained: How Uncapped Rewards Work
We give you pure bitcoin back on every swipe without arbitrary limits.
The problem with tiered rewards
Traditional credit cards and most crypto cards use complex reward tiers. They offer 5% back on categories you rarely use and 1% on everything else. Worse, they cap your earnings. You might earn 3% back, but only up to $50 a month. Once you hit that ceiling, your rewards drop to zero. They also force you to hold their proprietary utility tokens to unlock these tiers. If the token price crashes, your perceived benefits disappear. You carry all the risk for a fraction of the reward.
How uncapped BTC cashback works
Our system is simple. You earn a flat rate back on every purchase depending on your card tier — from 0.05% on Virtual up to 0.4% on Gold. You earn this in bitcoin. There are no spending categories to track. There is no monthly cap on how much you can earn. Whether you buy a $4 coffee or a $4,000 laptop, you earn your tier rate back in BTC. We buy the bitcoin on the open market and deposit it directly into your TXBFI wallet. You do not need to stake a volatile exchange token to qualify.
The math on a typical monthly spend
Let us look at the numbers. Assume you spend $5,000 a month on your Metal card. At a flat 0.2% rate, you earn $10 in bitcoin every month. Over twelve months, you accumulate $120 worth of BTC. Because we do not cap your rewards, large purchases benefit you directly. If you pay for a $10,000 home renovation using your TXBFI Gold card, you instantly earn $40 in bitcoin at 0.4%. You capture the full value of your spending volume without worrying about hitting a hidden monthly ceiling.
When you receive your rewards
Waiting weeks for a statement credit is an outdated concept. With TXBFI, your cashback settles on the 4th of every month directly into your linked bitcoin wallet. The calculation is based on the previous month's card activity. Once the merchant clears the transaction, our system logs your cashback. You can hold the bitcoin, withdraw it to cold storage, or spend it using the card. It is your money. We just make sure you get it automatically every month.