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  5. BitPay Card
BitPay Card
BitPay Card
Full KYC
Virtual Card Mastercard
4.9
Overall
Get This Card
BitPay Card logo

BitPay Card

by BitPay

Virtual Card•Mastercard•Full KYC
Get This Card

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
4.9/10
OverallFair
3.3/10
Community ScoreBased on 31 sources
Lv 4
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

Community Score

3.3/10
Sourced from
trustpilot.comreddit.comreddit.comreddit.comreddit.complay.google.comapps.apple.comapps.apple.comyoutube.comyoutube.comyoutube.comyoutube.comyoutube.comcoinbureau.comcoinbureau.compaybis.compaybis.comcryptoslate.comcryptowisser.comcaptainaltcoin.comunblock.netcrypto.compaywithflash.comthefintechtimes.combitrates.comglenbrook.comcrowdfundinsider.comtrustpilot.comkucoin.complay.google.comdokumen.pub

BitPay Card scores 3.3/10 across 40+ community sources, reflecting deep consumer frustration with a once-pioneering product now struggling against a modern competitive landscape. The card earns limited praise for its non-custodial wallet architecture, multichain support (Solana, Base, Polygon), and seamless Apple Pay/Google Pay integration for existing users. However, it is overwhelmingly defined by systemic failures: an invasive Onfido KYC funnel with high rejection rates, an archaic fee schedule ($10 issuance, $2.50 ATM, 3% FX, $5 inactivity), aggressive behavioral data harvesting documented in its own Privacy Policy, and catastrophic Q1 2026 Android app regressions that leave users locked out of their funds. Critically, the card program is indefinitely paused for new applicants as of late 2025 due to a banking partner transition. Trustpilot reflects a 1.2/5 rating from hundreds of reviews citing locked funds, impossible KYC loops, and non-existent human support. The product is currently considered economically obsolete compared to DeFi-native alternatives and is absent from all major 2026 crypto card tier lists.

Category Breakdown

KYC Simplicity
3/10
Fee Efficiency
3/10
Reward Value
4/10
App Experience
5/10
Privacy
3/10
Support Quality
2/10

Features

ContactlessMobile AppVirtual CardPhysical CardOnline PaymentsATM Access

Supported Cryptocurrencies

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