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BitPay Card Review 2026 - Fees, Limits, KYC | Crypto Cards | Crypto Cards

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BitPay Card

BitPay Card

BitPay Card

Full KYC

Virtual Card Mastercard

70

Overall

BitPay Card

Virtual Card•Mastercard•Full KYC

BitPay Card has been a pioneer in crypto payments since 2011, though recent banking partner changes have put new sign-ups on hold. When available, it offers simple crypto-to-fiat conversion without complex reward tiers.

Pros

Pioneer with 13+ years in crypto payments
No conversion fees when loading
High $10K daily spending limit
Merchant-specific cashback offers
Simple no-staking model

Cons

Currently on waitlist - new sign-ups paused
$10 card issuance fee
$5 inactivity fee after 90 days
3% foreign transaction fee
No universal cashback program

70

OverallExcellent

Our editorial score based on fees, features, privacy, and trust.

—/10

Community ScoreNot yet rated

KYC LevelFull KYC

Table of Contents

Card Overview

BitPay Card

Rewards

Cashback

0%

Cashback Crypto

—

Staking Rewards

✗

Staking APR

—

Welcome Bonus

—

Referral Bonus

—

Fees

Monthly Fee

Free

Card Issuance

$10

ATM Fee

Free

FX Fee

3%

Top-up Fee

Free

Decline Fee

Free

Limits

Daily Spend

$10,000

Monthly Spend

Unlimited

ATM Withdrawal

$6,000

Card Info

Card Type

Virtual Card, Physical Card

Card Network

Mastercard

Apple Pay

✓

Google Pay

✓

Rewards

Cashback

0%

Cashback Crypto

—

Staking Rewards

✗

Staking APR

—

Welcome Bonus

—

Referral Bonus

—

Fees

Monthly Fee

Free

Card Issuance

$10

ATM Fee

Free

FX Fee

3%

Top-up Fee

Free

Decline Fee

Free

Limits

Daily Spend

$10,000

Monthly Spend

Unlimited

ATM Withdrawal

$6,000

Card Info

Card Type

Virtual Card, Physical Card

Card Network

Mastercard

Apple Pay

✓

Google Pay

✓

KYC Requirements

Level: Full KYC

Email Verification

Required

Phone Verification

Required

Identity Document

Required

Proof of Address

Required

Selfie Verification

Required

—/10

Not yet rated

We haven't collected enough community feedback for this card yet. Check back soon!

Features

Apple PayGoogle PayContactlessMobile AppVirtual CardPhysical CardOnline PaymentsATM Access

Supported Cryptocurrencies

BTC

ETH

LTC

XRP

DOGE

USDC