Side-by-side comparison of BitPay Card and Coinbase Card — fees, cashback rates, custody models, and regional availability. Updated for 2026 with our editorial verdict based on real data from both issuers.
Quick Verdict:
Coinbase edges ahead with a 3.7/5 rating compared to BitPay's 3.4/5. While both cards have merit, Coinbase delivers better value for most users.
| Features |  BitPay Card |  Coinbase Card |
|---|---|---|
| Virtual only | Virtual + Physical | |
| Custodial | Custodial | |
| Mastercard Standard | Visa Debit | |
| Free | Free | |
| Free | Free | |
| 0% foreign transaction fees, Mastercard standard conversion rates | 2.49% crypto liquidation + 0.20% domestic spend OR 3.00% intl surcharge (total ~2.69% domestic / ~5.49% intl) | |
| None (previously had promotional offers) | Up to 4% crypto cashback (varies by selected reward crypto) | |
| Based on loaded balance | Varies by verification, high limits available | |
| Not available (virtual only) | $1000/day, $10000/month; 2% international fee | |
| BTC, ETH, LTC, BCH, DOGE, DAI, USDC, USDT (8+) | Any crypto held in Coinbase account (BTC, ETH, USDC, DOGE, and 100+ cryptos) | |
| USA only | USA, United Kingdom, EEA | |
| Get BitPay Card | Get Coinbase Card |
Coinbase Card is our pick in this matchup. Coinbase also lets you earn yield on your deposits, something BitPay doesn't offer. Full Apple Pay and Google Pay support makes it practical for daily spending. However, BitPay may be better if you have specific feature requirements.
Bottom line: For most crypto card users, Coinbase Card (3.7/5) delivers better overall value than BitPay Card (3.4/5).