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BlockFi vs iTrustCapital

BlockFi is a good custodian for earning interest on crypto. How does it compare to iTrustCapital? Read our comparison chart below.

BlockFi offers cryptocurrency borrowing and lending services. While their exchange is quite limited, their main products are their interest accounts and crypto-backed loans. They also have a crypto rewards card.

While iTrustCapital is a self-directed IRA provider that allows you to put cryptocurrencies and precious metals toward your retirement. Their selection of coins is limited compared to some exchanges, but they can be invested in tax-free or tax-deferred accounts.

Compare BlockFi with iTrustCapital, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 BlockFiiTrustCapital
 Visit SiteVisit Site
 

BlockFi

iTrustCapital

SPECIAL OFFER
Get Up to $250 in Bonus BTC - Learn More

Read BlockFi Review

SPECIAL OFFER
Open a Crypto IRA and Get $100 Bitcoin Reward - Learn More

Read iTrustCapital Review

 

Benefits and Features

Minimum Deposit
$0
$1,000
Cryptocurrencies SupportedBitcoin, Ethereum, Litecoin, Chainlink, PAX Gold, USDC, Binance USD, PAX, GUSD, BAT, DAI, UNICardano, Basic Attention, Enjin, Algorand, Cosmos, Tezos, Curve DAO, Solana, Aave, Polygon, yearn.finance, Sushi, Compound, Uniswap, Stellar, EOS, Bitcoin Cash, Dogecoin, Litecoin, Polkadot, Chainlink, Ethereum, Bitcoin, Avalanche, Maker, Shiba Inu, Decentraland, Axie Infinity
Countries SupportedWorldwide, except for countries that are sanctioned or watch-listedU.S.
Fiat Currencies Supported
USD
USD
Digital Wallet
Yes
Yes
Transaction Fee
No
  • Cryptocurrency: 1% per trade
  • Gold: $50 over spot (market price)
  • Silver: $2.50 over spot
Copy Trading
No
 
Limit Orders
No
 
Margin Trading
No
 
Spread
0.7% - 1.5%
 
Interest AccountsUp to 7.5% (Not Available in US) 
Crypto Loans
Yes
 
Bitcoin (BTC) Interest Rates
2% - 3.5%
 
Setup Fee 
$0
Ethereum (ETH) Interest Rates
2% - 3.5%
 
Bank Account Purchase Fee
No
 
Litecoin (LTC) Interest Rates
0% - 2%
 
Debit Card Purchase Fee
No
 
USD Coin (USDC) Interest Rates
6% - 7.5%
 
Mobile App
Yes
 
ACH Transfer Fee
No
 
Wire Transfer Fee
No
No
Crypto Conversion Fee
No
 
Withdrawal FeeVaries based on cryptocurrency: 0.00075 BTC, 0.015 ETH, 0.001 LTC 
Other Fees2% Origination Fee on crypto-backed loans 
Address Allowlisting
Yes
 
Anonymity
No
 
Biometric Login
Yes
 
Cold Storage
Yes
Yes
Maximum Trading AmountSingle-trade limit of $1.2m USD or equivalent 
Two-Factor Authentication
Yes
Yes
Withdrawal Limit7-day Withdrawal Limit varies by cryptocurrency: 100 BTC, 5,000 ETH, 10,000 LTC.
Up to $5,000 USD via direct bank withdrawal
None. 10% penalty under 59 1/2 years old
Binance USD (BUSD) Interest Rates
6% - 7.5%
 
Dai (DAI) Interest Rates
3.5% - 6%
 
Gemini Dollar (GUSD) Interest Rates
6% - 7.5%
 
Paxos Standard (PAX) Interest Rates
6% - 7.5%
 
 

CreditDonkey® Reviews

 BlockFiiTrustCapital
Cryptocurrency TradingStarStarStarEmpty StarEmpty StarStarStarStarStarHalf Star
Interest AccountsStarStarStarStarEmpty Star
Crypto LoansStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf Star
Commissions and FeesStarStarStarStarHalf StarStarStarStarStarHalf Star
Ease of UseStarStarStarStarEmpty StarStarStarStarStarStar
ResearchStarEmpty StarEmpty StarEmpty StarEmpty StarStarStarEmpty StarEmpty StarEmpty Star
SafetyStarStarStarStarStarStarStarStarStarEmpty Star
Pros & ConsPros:
  • Earn crypto rewards
  • No commissions (only charges a spread)
  • Excellent customer service
Cons:
  • Only supports 8 coins
  • Withdrawal restrictions
  • Slow withdrawal times (up to 7 days)
Pros:
  • Tax-free or tax-deferred trading
  • Low trading fees
  • Trade precious metals
Cons:
  • Limited research tools
Bottom LineGood custodian for earning interest on crypto... Read full reviewGood IRA provider for tax-free or tax-deferred access to crypto market... Read full review
 Visit SiteVisit Site

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

BlockFi: Pricing information from published website as of 07/01/2022. BlockFi Interest Accounts are not available in the United States.

iTrustCapital: Pricing information from published website as of 02/08/2022.

BlockFi

Get Up to $250 in Bonus BTC

DepositCrypto Bonus
$100 - $1,499$15
$1,500 - $19,999$20
$20,000 - $39,999$40
$40,000 - $74,999$75
$75,000 - $99,999$100
$100,000+$250

BlockFi

BlockFi Rewards Visa® Signature Credit Card

  • Earn 1.5% back in crypto on every single purchase.
  • No annual fee. No foreign transaction fees
  • Know if you're approved without affecting your credit score. A soft credit pull happens before you've accepted the credit card offer. A hard credit pull occurs when you've accepted your credit card offer, which can have an impact on your credit score.
  • Earn 2% back in crypto on every purchase over $30,000 of annual spend. Rewards rate increases from 1.5% to 2% after $30,000 of spend has been achieved and resets on the card anniversary date every year.
  • On top of the rewards you get from BlockFi, your BlockFi Rewards Visa Signature card gives you instant access to once-in-a-lifetime travel, fine wine and food, sporting events, shopping and more.
  • Your BlockFi Rewards Visa Signature card comes with 24/7 access to your Visa Signature® Concierge* for assistance booking travel, transportation, accommodations, event tickets—even restaurant reservations and golf tee times.
BlockFi

$250 Bitcoin Bonus When You Fund Your New Account

New BlockFi clients who sign up with a specific partner referral code and fund their account during the promotion period (current calendar month ending at 23:59:59 UTC on the last day of the month) are eligible to receive a tiered bonus paid in BTC.

To be eligible for the promotion, this must be your first ever transfer to the BlockFi Wallet and you must maintain a $100,000+ account balance through the 14th of the month at 23:59:59 UTC two and a half months from the month of eligibility in order to remain eligible.

Eligible payouts occur on or before the second Friday of every month on a rolling basis. The bonus will be paid in BTC based on the prevailing market price at the time of payment. Payout will be based on your average daily balance (USD equivalent) maintained through 23:59:59 UTC on the 14th of the month you are eligible to be paid on. Any withdrawals made before 23:59:59 UTC on the 14th of the month you are eligible to be paid out on may affect your tier.

There is a maximum of one bonus per client. This offer is not valid in conjunction with any other current or past promotions and the promo code on the account will be used to determine promo eligibility for new accounts.

Which is Better: BlockFi or iTrustCapital?

Still need help deciding which crypto is better? Read the in-depth reviews below. You may also be interested in comparing BlockFi or eToro.

In short: BlockFi's safety is excellent. iTrustCapital's cryptocurrency trading and ease of use are worth mentioning. In particular, the ease of use is outstanding.


Articles on BlockFi

BlockFi Review

BlockFi lets you buy, sell, earn and borrow cryptocurrency. But is it safe? Read on to find out.

How Does BlockFi Work

BlockFi is a popular crypto platform offering high interest accounts and the ability to take loans against the value of your coins. Find out how it works.

How Does BlockFi Make Money

BlockFi lets you earn interest on your crypto and take loans against the value of your coins. But how does BlockFi make money? Keep reading to find out.

BlockFi Fees

Interested in taking advantage of BlockFi's interest accounts or crypto-backed loans? Before you take the leap, understand the fees they charge.

BlockFi vs Crypto.com

Looking to earn interest on your crypto or get a crypto-backed loan? Find out whether Crypto.com or BlockFi is right for you, plus the pros/cons of each.

BlockFi vs Nexo

Nexo and BlockFi both let you earn interest and take loans against your cryptocurrency. But which one is right for you? Read on to find out.

Articles on iTrustCapital

iTrustCapital

iTrustCapital is a self-directed IRA provider which lets you trade in cryptocurrencies and precious metals. Is it a legit option for your retirement account?

iTrustCapital vs BitcoinIRA

Crypto IRAs like iTrustCapital and Bitcoin IRA offer tax-free or tax-deferred options to invest in crypto for retirement. But which is right for you?

Coinbase vs iTrustCapital

Looking to sign up with Coinbase or iTrustCapital? See how they compare, which features they offer, and fees to look out for in this head-to-head comparison.

Which Do You Think is Best?





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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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