BitPay Card
BitPay · United States · personal
Convert crypto to fiat and spend anywhere Mastercard is accepted.
Is BitPay Card worth it?
BitPay's card is a legacy prepaid product with a high fee stack: 1.5% to load and 3% on foreign spend. It remains useful for US users who want a physical Mastercard tied to BitPay's merchant network, but it is no longer competitive on cost.
Pros
- Simple crypto-to-fiat conversion
- Physical and virtual cards
- No credit check
Cons
- 3% FX fee
- 1.5% top-up fee
- US only
Fees, limits & requirements
- Issuance fee
- $9.95
- One-time card creation
- Annual fee
- None
- Monthly fees included where applicable
- Crypto top-up
- 0%
- 0% conv
- FX fee
- 3%
- 3%
- ATM fee
- 2.5%
- $2.50–$3.00
- Max daily spend
- $5,000
- Subject to KYC tier and issuer limits
- Monthly ATM limit
- $1,000
- $2.50–$3.00
- KYC
- Full KYC
- Full KYC, US residency
- Custody
- Custodial
- Issuer holds funds on your behalf
- Card network
- Mastercard
- prepaid card · issued by BitPay
Supported crypto & networks
Where is BitPay Card available?
Availability lists change frequently. Confirm eligibility with BitPay before applying.
BitPay Card — common questions
Is BitPay Card available in United States?+
BitPay Card is listed as available in United States. Our data currently shows it as available in United States. Always confirm eligibility with BitPay before applying.
What fees does BitPay Card charge?+
BitPay Card has a $9.95 issuance fee, no annual fee, a 0% crypto top-up fee and a 3% FX fee. ATM withdrawals cost 2.5%. 3%
Does BitPay Card support Apple Pay and Google Pay?+
BitPay Card does not currently list mobile wallet support. You will need to use the physical card or card details directly.
Is BitPay Card self-custody?+
BitPay Card uses a custodial model. BitPay holds the funds used for spending, which introduces counterparty risk but simplifies onboarding and recovery.
How does BitPay Card cashback work?+
BitPay Card offers No cashback. Rewards are paid in USD. Staking requirement: None. Cashback is modelled at the maximum published tier in our calculator.
Data note: fees, limits and availability are illustrative seed data for this build. Always confirm with the issuer. Card trademarks belong to their respective owners.