Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing BitPay Card and OKX Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
These two are close: OKX at 3.6/5 vs BitPay at 3.5/5. OKX has a small lead, but which card works better depends on what you need.
OKX Card is the better card here. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, BitPay may be better if you need something it does better.
In short: OKX Card (3.6/5) is the stronger option for most people compared to BitPay Card (3.5/5).
| Features |  BitPay Card |  OKX Card |
|---|---|---|
| Virtual only | Virtual only | |
| Custodial | Custodial | |
| Mastercard Standard | Mastercard Debit | |
| Free | Free | |
| Free | Free | |
| 0% foreign transaction fees, Mastercard standard conversion rates | 0.1% conversion spread (official docs); no transaction or FX fees | |
| None (program paused since June 2023; new applications on waitlist only, no relaunch date as of May 2026) | Launch promotion (Jan-Feb 2026): 15-20% cashback — this promo has ended as of February 28, 2026. Regular users got 15% capped at 100 EUR; VIP users got 20% capped at 200 EUR during the promo period. Post-promo (current as of March 2026): VIP-tiered cashback at 2-5% depending on OKX VIP status. For new users without existing VIP status, the base rate is likely around 2%. EEA-only card. Cashback is paid in USDG stablecoin. Specific tier requirements and monthly caps for the ongoing program are not fully disclosed. Realistic cashback for a typical user: ~2% (post-promo). | |
| Based on loaded balance | Based on verification and tier | |
| Not available (virtual only) | Not available (virtual card only) | |
| BTC, ETH, LTC, BCH, DOGE, DAI, USDC, USDT (8+) | USDC, USDG stablecoins from OKX Pay account | |
| USA only | EEA + Brazil | |
| Get Card | Get Card |