TL;DR.BitPay Card is a Mastercard crypto debit card (Virtual + Physical, KYC: Full KYC). Cost per $100 spent: $0. Top-up fee 0%, FX fee 3%. Wallet support: Apple Pay + Google Pay. Status: issues. Last verified: May 11, 2026.
CARD PROFILE · FULL KYC
BitPay Card.
OG US crypto Mastercard issued by Metropolitan Commercial Bank — $0 annual, multi-currency, BTC/ETH/USDC/USDT funding, $25K balance cap. Currently in waitlist mode pending program improvements.
Cost / $100
$0.00
Top-up fee
Free
Network
Mastercard
Card type
Virtual + Physical
IBAN
No
Monthly limit
—
Status
Issues reported
Pros.
- +Issued by Metropolitan Commercial Bank (Mastercard prepaid)
- +$0 annual fee
- +Apple Pay & Google Pay supported
- +Multi-currency Mastercard with 25K balance cap
- +BTC/ETH/USDC/USDT funding from BitPay Wallet or linked exchange
- +Long track record (since 2016)
Cons.
- −⚠️ New applications temporarily paused — waitlist available (program improvements)
- −3% foreign transaction fee
- −$2,000 ATM per withdrawal, $25,000/month ATM cap
- −$10,000 daily purchase / $25,000 max balance
- −US-only at launch, expansion in progress
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
0%
FX fee
3%
Issuance
—
Monthly
Free
Cost / $100
$0.00
$0 annual fee. 3% foreign transaction fee. ATM: $2,000/withdrawal, max 3/day ($6,000/day), $25,000/month cap. $10,000 daily purchase. $25,000 max card balance. Issued by Metropolitan Commercial Bank. ⚠️ New applications currently paused as BitPay improves the program — existing cardholders unaffected.
COVERAGE
Where it works.
Supported coins
BTCETHUSDCUSDT
Chains
BitcoinEthereumTron
Use cases
Online · IRL · ATM
Blocked countries
IRKPSYCURUBYVE
WALLETS
Apple PayYes
Google PayYes
ATMYes
REPUTATION
Trustpilot
—/5
0 reviews
Monevia score
64/100
Verified May 11, 2026
ALTERNATIVES