Specifications
| Card network | Mastercard |
|---|---|
| Provider | BitPay (US, founded 2011) |
| Funding model | Pre-funded debit (you load crypto/stablecoins to spend) |
| Settlement currency | USD |
| Available in | US (all 50 states); existing cardholders only, new applications PAUSED |
| Supported chains | BitPay Wallet (multi-chain support) |
| Supported assets | BTC, ETH, USDC, USDT + 16 total |
| Issuance fee | $0 |
| Monthly fee | $0 |
| FX markup | 3% |
| ATM fee | $2.50 |
| Top-up fee | 0% |
| Foreign transaction fee | 3% |
| Inactivity fee | $5 |
| Cashback | Up to 15% in merchant offers (varies) (realistic ~0%) |
| Daily spend limit | $10000 |
| Monthly spend limit | — |
| Daily ATM limit | $6000 |
| Last verified | 2026-04-30 |
What to watch out for
NEW APPLICATIONS PAUSED since 2023 banking partner transition (Metropolitan Commercial Bank exited crypto); waitlist only; existing cardholders still functional; one of the longest-running US crypto cards (founded 2011); high $6,000/day ATM limit; FDIC insurance on USD balance; supports Apple Pay, Google Pay; BitLicense from NYDFS
Editorial notes
Card program in transition; no confirmed relaunch date as of April 2026; loads from BitPay Wallet are free; 3% foreign transaction fee is highest of any active card; $5 monthly inactivity fee after 90 days; no cashback rewards as base program; merchant offers via Cardlytics are unpredictable; if you are not on the waitlist already, this card is not currently accessible
Frequently asked questions
Where is the BitPay Card available?
As of 2026-04-30, BitPay Card is available to residents of United States. Specific country list: US (all 50 states); existing cardholders only, new applications PAUSED.
How does the BitPay Card cashback work?
BitPay Card offers up to 15% cashback paid in merchant offers (varies). No base cashback program; merchant-specific offers via Cardlytics partnership up to 15% at participating brands; rewards are not consistent month-to-month In practice, the realistic effective rate for most users is around 0%.
What are the fees on the BitPay Card?
BitPay Card has no issuance fee, no monthly fee, a 3% FX markup on non-settlement-currency spend. See the spec table above for ATM and top-up fees.
Does BitPay Card hold my crypto?
Yes. BitPay Card is a pre-funded card — you transfer crypto or stablecoins to a balance held by the provider, and the card spends from that balance. This is custodial: the issuer controls the funds while they sit there.
Last verified 2026-04-30. Rates and availability change frequently — confirm with the issuer before signing up. See our methodology for how we collect and verify this data.