Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Credit Cards Blispay Review Updated Feb 28, 2022 | 5-min read Reviewed by Christy Rakoczy Reviewed by Christy Rakoczy Expertise: Student loans, mortgages, insurance Christy Rakoczy has been a personal finance and legal writer since 2008. She has a Juris Doctor degree from UCLA School of Law and was a college instructor before she began writing for the web. Learn more about Christy Rakoczy Note: Blispay is not currently accepting new applications. To learn about other options, visit our Best Cash Back Credit Cards page. Blispay Credit CardLearn Moreat Blispay’s secure websiteEditorial RatingBlispay Credit CardEditorial RatingWhat we like:N/AIntro Offer0% promotional rates on purchases over $199 if paid in full in 6 monthsRewards Rate2% cash back on all purchasesRegular APR19.99%Annual Fee$0See how this card stacks up to our top rated rewards credit cardsCompare Cards Card Details Pros: No interest for six months on purchases over $199Double cash back with no rotating categories or limitsBlispay can be used almost anywhere and with popular mobile payment methods on both Apple and Android devices Cons: 19.99% interest applies retroactively to the purchase date if you don’t pay off purchases in full within six monthsThere’s no signup bonus or balance transfer promotionsYou can’t currently apply for Blispay because applications are suspended Recommended Credit Score: Good credit—a 680 FICO score or higher (estimated) Our Thoughts on the Blispay Credit Card Choosing the right credit card is always difficult, but Blispay is a card worth considering if you want flexibility in how you pay for purchases. Some furniture, appliance, and other retail stores allow you to finance purchases with no interest and no payments over time, but you’re normally restricted in the stores that offer this service. Blispay opens up the opportunity to finance all big purchases anywhere that Visa cards are accepted. While this may make Blispay seem like an attractive card, it’s important to look at the big picture—and read the fine print—for any credit card you’re considering. This Blispay review will help you understand all the pros and cons of this card so you can decide if the Blispay Visa is a good card to have in your wallet. In this review: Benefits of the Blispay CardDownsides of the Blispay CardHow the Blispay Card Compares to Similar Cards Benefits of the Blispay Card Interest-Free Financing Option Blispay is a unique credit card because it offers features similar to a store card, such as its 0% interest financing for six-months on purchases of more than $199. But, unlike most store cards that can only be used in the store that issued them, Blispay can be used everywhere Visa is accepted. Visa is one of the most widely accepted cards in the world, so your card can be used almost anywhere you want. >> Read More: 0% Interest Rate Credit Cards Cash Rewards Blispay also has some other big benefits for customers, including 2% cash back automatically delivered as a statement credit each statement period. A 2% cash back reward on every purchase is pretty generous, as many competitors offer bonus cash back on rotating categories and only 1% cash back for other things you buy. Downsides of the Blispay Card Retroactive Interest Unfortunately, there’s a big risk to this card because its six-month special financing offer will charge interest retroactively if the full balance isn’t paid off by the end of the promotional period. Owing even a few dollars at the end of the six-month period because you miscalculate the payment date or can’t make a full payment could mean you end up owing a lot in interest. Not Accepting Applications But even if you are willing to take this risk to secure special financing, you can’t choose to apply for the Blispay card at the moment because new applications are currently suspended. The notification from the company says this suspension is temporary, but it is not clear when or if it will be lifted. How Blispay Compares to Similar Cards Six Months Isn’t That Long Blispay’s 0% financing offer is unique, but there are other cards that allow you to defer interest on all purchases, not just those over $199. For example, the Capital One® Quicksilver® Cash Rewards Credit Card offers 0% APR for a full 15-months on all purchases made when you first open the card (regular variable APR 15.74% – 25.74% thereafter). While this means that the 0% deal is good only for new customers, you get a longer time to repay your purchase than with the Blispay card. Decent APR Compared to Store Cards Blispay claims its a hybrid of a store card and major card, but the card’s interest rates are actually lower than on many store cards. Many store cards also don’t offer 0% promotional rates on purchases, but do offer more specialized rewards, such as the opportunity to earn discounts, free gifts, or store credit when you use your card at their retail locations. Bottom Line: Is the Blispay Card Right for You? The Blispay card is a great choice if you need a little more time to pay for big purchases and you are confident you can make those payments in full before the end of six months. If you’re seeking out a cash back card that offers 2% back on everything, Blispay is also a worthwhile option. But, if you’re hoping to benefit from all that Blispay has to offer, you’ll need to check back regularly to see when you can submit your application.