BitPay Card Review 2026

Name: BitPay Card
Brand: Mastercard
Availability: Discontinued

Reviewed by Mihail B. in October 2026 · how we verify

3.1 / 5.0Sweepbase rating

Algorithmic score, not user reviews: how it is calculated

Closed to new applicants since May 3, 2023. Cards you can still get

CustodyCustodial

NetworkMastercard Standard

CashbackNone

RegionsUSA

Fees and limits

Issuance fee	Free
Annual fee	Free
FX fee	0% foreign transaction fees, Mastercard standard conversion rates
ATM limit	Not available (virtual only)
Spending limit	Based on loaded balance

Features

Cashback: None (no new applications accepted since 2023-05-03; BitPay removed the card from its website in spring 2026)
KYC: Yes
Card type: Virtual only
Top up with: BTC, ETH, LTC, BCH, DOGE, DAI, USDC, USDT (8+)
Available countries: United States only (historic; applications closed 2023-05-03, cards stopped working 2023-06-15)

Who issues the BitPay Card

The BitPay Card is issued by Metropolitan Commercial Bank, USA (New York). The issuer is named in the source linked below. Historical: BitPay's May 2023 notice reads "Our bank partner, Metropolitan Commercial Bank, and BitPay have decided to discontinue the current BitPay Prepaid Mastercard program." The replacement card BitPay promised never shipped.

Primary source · All cards issued by Metropolitan Commercial Bank · Why the issuer matters

Pros and cons before it closed

Pros

Instant crypto-to-fiat conversion; no foreign transaction fees; widely accepted Mastercard network
No card issuance fee
No annual maintenance fee

Cons

US only; new applications paused (revamping program); no cashback; virtual only; limited crypto selection
No IBAN or bank-account features

Regional availability

Was available in the United States

The BitPay Card was for US residents: United States only.

Card overview

BitPay Card pioneered crypto spending in the United States with instant Bitcoin-to-dollar conversion at millions of Mastercard merchants worldwide. Load your card with BTC, ETH, DOGE, or stablecoins and spend instantly online or in-store via Apple Pay and Google Pay. The programme is discontinued: BitPay closed applications on 3 May 2023, the cards stopped working on 15 June 2023, and in 2026 BitPay removed the card from its site altogether.

Editor’s note by Mihail B. · Founder & Editor

Written while the card was live Verified against issuer docs

BitPay stopped accepting new cardholder applications on 3 May 2023, the day of its own transition notice; loads ended 1 June and spending and ATM access ended 15 June 2023, so no BitPay card has worked since. Metropolitan Commercial Bank ANNOUNCED its exit from the crypto-asset vertical on 9 January 2023, four months before BitPay's notice; the bank never published when that exit completed, so the old note's June 2023 is not provably wrong about the bank; it was wrong about the applications date, which is the date that counts here.
BitPay promised a replacement card through a new bank partner and auto-enrolled cardholders on a waitlist; it never launched. In spring 2026 BitPay removed the card from its website - bitpay.com/card redirects to the homepage, the transition notice 404s, no card URL survives in its sitemap and no live help-centre article concerns the card.
BitPay used both words, at different times and about different things, so quote carefully: the 2023 notice says BitPay and Metropolitan Commercial Bank decided to discontinue the current BitPay Prepaid Mastercard program, while the card page carried temporarily paused right up to its removal in 2026.
One artefact still points at an intended relaunch and should not be oversold: the pause copy and a waitlist submitting to a list named CFSB Card Waitlist - Community Federal Savings Bank, the intended replacement for Metropolitan Commercial Bank - are still in BitPay's shipped app source, added in May 2023 and last touched in July 2024. Nothing shipped off it in three years, the screen is not reachable from the app's tab bar, and neither store listing mentions a card.
Checked to exhaustion 2026-08-05: no relaunch post exists on BitPay's blog, whose newest entry of any kind is from November 2024; the entire card section of the help centre now 404s; and the only card URL in the sitemap is the redirecting one. What is certain either way, and all this page asserts, is that no new customer has been able to obtain the card since 3 May 2023.

Common questions about the BitPay Card

What were the fees for the BitPay Card?

The BitPay Card charged no issuance or annual fee and no FX fee (0% foreign transaction fees, Mastercard standard conversion rates).

Is the BitPay Card legit, and who is behind it?

The BitPay Card is a real card that has been closed to new customers since May 3, 2023. BitPay stopped accepting new cardholder applications on the day it announced the programme transition, May 3, 2023: "BitPay will stop accepting new cardholder applications immediately." Its own notice names the bank and calls the decision mutual: "Our bank partner, Metropolitan Commercial Bank, and BitPay have decided to discontinue the current BitPay Prepaid Mastercard program.".

Is the BitPay Card still available?

No. The BitPay Card stopped taking applications on May 3, 2023. BitPay stopped accepting new cardholder applications on the day it announced the programme transition, May 3.