BitPay Card Review 2026
Last updated: by the
Last updated: by the
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. While new applications are currently paused for program improvements, existing users continue enjoying zero foreign transaction fees and seamless crypto utility for everyday purchases.
This is a Mastercard crypto card. It offers cashback rewards. Available to US residents.
| 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 |
The BitPay Card allows you to top up and spend using 7 supported digital assets. Your crypto is automatically converted to local fiat at the point of sale.
The BitPay Card is best suited for everyday crypto holders looking for a simple, convenient way to spend digital assets without managing wallets manually.
With None (previously had promotional offers) cashback on eligible purchases, the BitPay Card rewards active spenders who use the card as their daily driver.
The card is currently available in USA only — ideal for residents and frequent travellers in those areas.
Compare the BitPay Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Getting started with the BitPay Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Visit the official BitPay website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Submit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. BitPay processes applications in line with AML and KYC regulations.
Once verified, top up your card balance using BTC, ETH, LTC, BCH, DOGE, DAI, USDC, USDT (8+) via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Your virtual BitPay Card is available immediately in the BitPay app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Available in the United States
The BitPay Card is primarily available to US residents. Availability may vary by state due to state-level money transmission licensing requirements. Check the issuer's website for details specific to your state.
Commonly supported states:
