Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing BitPay Card and Binance Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Binance rates 4/5, slightly ahead of BitPay at 3.5/5. Both are solid options, but Binance is the better pick for most people.
Binance Card is the better card here. Binance also lets you earn yield on your deposits, something BitPay doesn't offer. However, BitPay may be better if you need something it does better.
In short: Binance Card (4/5) is the stronger option for most people compared to BitPay Card (3.5/5).
| Features |  BitPay Card |  Binance Card |
|---|---|---|
| Virtual only | Virtual + Physical | |
| Custodial | Custodial | |
| Mastercard Standard | Mastercard Prepaid | |
| Free | Free | |
| Free | Free | |
| 0% foreign transaction fees, Mastercard standard conversion rates | 0.9% crypto-to-fiat conversion + 1-2% FX on foreign currency | |
| None (program paused since June 2023; new applications on waitlist only, no relaunch date as of May 2026) | Up to 2% BNB cashback (capped at 250 BRL/month equivalent) | |
| Based on loaded balance | Varies by tier based on BNB holdings, up to €8700/day for highest tier | |
| Not available (virtual only) | €290/day; 0.9% fee | |
| BTC, ETH, LTC, BCH, DOGE, DAI, USDC, USDT (8+) | BTC, BNB, BUSD, USDT and 10+ major cryptos | |
| USA only | Brazil, Colombia, Peru, Armenia, Kazakhstan, Uzbekistan | |
| Get Card | Get Card |