BitPay Card
by BitPay
- Monthly fee
- Free
- Card fee
- $10.00
- Top-up fee
- Free
- ID check
- Full KYC
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
BitPay has worked in crypto payments since 2011, but a change of banking partner has paused new sign-ups. When open, the card offers plain crypto-to-fiat conversion without complex reward tiers, though fees such as the $10 issuance and $5 inactivity charges are dated.
What we like
- +Pioneer with 13+ years in crypto payments
- +No conversion fees when loading
- +High $10K daily spending limit
- +Merchant-specific cashback offers
- +Simple model with no staking
Watch out for
- −Waitlist only, with 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
Editor score
Poor
3.3/10
User rating
Based on 31 sources
Lv 4
KYC Level
Full KYC
Regional
Availability
0 countries
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- $10.00
- ATM Fee
- —
- FX Fee
- 3%
- Top-up Fee
- Free
- Decline Fee
- —
Limits
- Daily Spend
- $10,000
- Monthly Spend
- Unlimited
- ATM Withdrawal
- $6,000
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Mastercard
- Apple Pay
- Google Pay
KYC Requirements
Level: Full KYC
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✓Proof of addressRequired
- ✓Selfie verificationRequired
Community Sentiment
Community Score
3.3/10
Sourced from
Users express deep frustration with a once-pioneering product that now trails modern rivals. It earns limited praise for its non-custodial wallet design, multichain support (Solana, Base, Polygon) and smooth Apple Pay and Google Pay use for existing holders. Most feedback is critical: an invasive Onfido KYC process with high rejection rates, a dated fee schedule ($10 issuance, $2.50 ATM, 3% FX, $5 inactivity), heavy behavioural data collection described in its own Privacy Policy, and serious Q1 2026 Android app regressions that locked users out of their funds. The card program has been paused for new applicants since late 2025 because of a banking partner transition. Trustpilot shows 1.2 out of 5 from hundreds of reviews citing locked funds, endless KYC loops and little human support. Many now regard it as economically outdated next to DeFi-native options, and it is missing from major 2026 crypto card tier lists.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Bitcoin, Ethereum, Litecoin, Polygon
Frequently asked questions
Does the BitPay Card require KYC?
Yes. BitPay asks for full kyc before issuing the card. Full verification: ID document, proof of address and a selfie or liveness check.
What fees does the BitPay Card charge?
The card has a monthly fee of free, an issuance fee of $10.00, a top-up fee of free, an FX fee of 3%. See the fee table above for ATM and decline fees.
Does the BitPay Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the BitPay Card?
Availability is limited to specific regions; check the issuer's site for your country.
Which cryptocurrencies does the BitPay Card support?
BTC, ETH, LTC, XRP, DOGE, USDC.
Last updated August 19, 2026, verified August 6, 2026.