BitPay Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
Get BitPay CardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
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.
This is a Mastercard crypto card. Available to US residents.
Fees & 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 |
These figures can change. Confirm the current fees, FX and network in BitPay’s official terms before you apply.
Features
- 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)
Banking & Fiat Rails
None (prepaid Mastercard, US only)
Who issues the BitPay Card
BitPay Card does not name its BIN sponsor in any public document we could reach. That is not unusual — around a quarter of the cards we track do the same. See our BIN-sponsor research for why disclosure varies and what it means for you.
Supported Cryptocurrencies
You can load the BitPay Card with crypto; the 7 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: No direct blockchain top-up; funded via BitPay Wallet crypto conversion
Who Is the BitPay Card Best For?
The BitPay Card is a good fit for crypto holders who want a simple way to spend their coins without managing wallets by hand.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in USA only, so it works for residents and travellers in those areas.
Best for
- People who want a straightforward, app-managed crypto card
- US residents who want a crypto spending card
- Budget-minded users (no issuance or annual fee)
Avoid if
- You want a card that earns cashback
- You need full non-custodial control of your funds
- You're based in Europe (this card is US-only)
- You need traditional bank integration (IBAN, SEPA, direct debits)
Compare the BitPay Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- Instant crypto-to-fiat conversion; no foreign transaction fees; widely accepted Mastercard network
- No card issuance fee
- No annual maintenance fee
- Works wherever Mastercard is accepted worldwide
- Virtual card ready right away, no shipping wait
Cons
- US only; new applications paused (revamping program); no cashback; virtual only; limited crypto selection
- Custodial: the issuer holds your funds
- Only available in certain regions
- Full KYC required, no anonymous tier
- No IBAN or bank account, prepaid only
How to Get the BitPay Card
Here is what the sign-up process looks like, from application to first purchase.
Create a BitPay account
A few minutesGo to the BitPay website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerBitPay runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with BTC, ETH, LTC, BCH, DOGE, DAI, USDC, USDT (8+) through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual BitPay Card shows up in the BitPay app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available in the United States
The BitPay Card is for US residents. Availability can vary by state because of money-transmission licensing. Check the issuer's site for your state.
Common questions about the BitPay Card
What are the fees for the BitPay Card?
Where is the BitPay Card available?
What cryptocurrencies does the BitPay Card support?
What are the BitPay Card's ATM and spending limits?
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