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Blispay Visa® Card

Whoa, friends. Blispay is not currently accepting new applications. Head on over to our best credit cards page if you're on the hunt for your next perfect credit card.


Our Two Cents: BlisPay Credit Card Review

Launched in 2016, Blispay is a newcomer to the credit card game striving to provide consumers with fair lending terms on a product that is simple to use. Don't let Blispay's age fool you - with a well designed financial product, Blispay is playing the long game and looking to earn a permanent spot in your wallet. For starters, the card offers a competitive 2% cash back earning rate on everyday purchases. You don't have to worry about rotating categories. While cash back credit cards that offer 2% cash back are starting to gain in popularity among the major banks Blispay has set itself apart by simplifying the redemption process. There's no minimum reward amount required to redeem. Cash back earned is credited to your bill each month as a statement credit. Finally, you can start using your card to shop online today. That means that if you find yourself in a bind and need to finance a major purchase, Blispay financing may only be 30 seconds away.


Counting Your Pennies - How To Earn Cash Back with BlisPay

This card offers some serious savings potential. We typically don't advocate carrying balances on cards that earn cash back, but Blispay is the exception to that rule. For your first year estimated savings, we're going to assume you'll spend $1,000 a month on your card. We also assume that you will make $1,600 in total purchases that qualify for 0% interest during the year and pay those balances off within 6 months. These estimates will vary depending on your actual spending habits, of course. Using these assumptions, you will earn $240 in cash back your first year and save an estimated $256 in interest on the balances you carry at 0% APR. This brings the total value of holding the card to $496 the first year.


Who Should Get It?

Blispay is a solid option for users that want to start earning cash back on everyday purchases, but still need to finance major purchases every so often. 2% cash back on everyday purchases is a strong rewards offer for a card with no annual fee - many other cards only offer 1.5%, or have categories with spending caps and other hoops to jump through. The 0% APR offer for purchases over $199 is not an introductory offer, it is a full time perk of the card. If you're looking for a simple product that is easy to manage, this is the card for you.

If you're looking to apply for this card, you should have good credit. If you have a credit score that's much less than 680 you'll likely have a hard time getting approved. Blispay tends to pull credit scores from Experian, with reported credit limits ranging from $2,000 - $7,500.


Who Shouldn't Get It?

Users that have to carry a balance from month to month on everyday purchases. Blispay's 19.99% variable APR isn't the highest rate out there, but if you find yourself carrying a monthly balance on your credit cards, a another card is likely going to be the best offer for you. Non-rewards cards often carry a lower interest rate and that will save you more money over the long run. I

On the flip side of the coin, if you're looking for a card that offers more diverse perks like a free FICO score, a new customer bonus, and tiered cash back, and card like the Bank of America Cash Rewards card might be the right card for you. You'll get a new customer bonus of  $150 after you make $500 in purchases in the first 3 months of account opening. You'll also get 12 months of 0% intro APR for purchases and any balance transfers you make in the first 60 days of card membership. We've also put together a list of our 3 favorite cash back cards if you want to compare additional products.


Final Thoughts

Whether you are looking for a solid entry level cash back rewards card or a card that allows for some flexibility on carrying balances from time to time, Blispay is a no-brainer. It's not the fanciest or flashiest card on the market, but that's not what it set out to be. If you're thinking about a Blispay approval, you should have a fair credit score.


I'm in! Apply for the Blispay Card

  • 0% APR for  purchases over $199 if paid in full within 6 months.
  • 19.99% APR on all other purchases
  • Earn 2% cash back on every purchase, everyday.  There are no limits to the amount of cash back you can earn.
  • Cash back is automatically credited to your account as a statement credit each month.
  • If approved, use your credit line instantly at merchants online that accept Visa.
  • No Annual Fee
  • See Card Pricing and Cardholder Agreement for more details



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