BitPay Card is a prepaid Mastercard® that enables you to convert cryptocurrency into fiat currency instantly and spend it anywhere Mastercard debit is accepted worldwide. Launched in 2020 as the first Mastercard prepaid card for crypto users in the United States, it bridges the gap between digital assets and everyday spending.
How It Works
- Load Crypto — Fund your card from the BitPay mobile app using supported cryptocurrencies.
- Instant Conversion — Crypto is converted to fiat currency automatically without conversion fees.
- Spend Anywhere — Use your card in-store, online, or at ATMs wherever Mastercard debit is accepted.
Key Features
- Instant Conversion — Funds are made available in minutes without waiting on exchange transfers.
- EMV Chip & Contactless — Chip-enabled for added security with contactless tap-to-pay support.
- Apple Pay & Google Pay — Add your card to mobile wallets for easy contactless payments.
- Virtual Card — Get a digital card immediately without waiting for the physical card to arrive.
- No Currency Risk — Spend in local fiat currency at the point of sale.
Supported Assets
BTC, BCH, ETH, XRP, and stablecoins USDC, GUSD, PAX, and BUSD.
Mobile App
The BitPay mobile app lets you reload your card, view transaction history, manage card settings, buy crypto, and purchase gift cards from popular brands — all from one place.
Availability
Available to US residents (age 18+) who complete identity and residency verification. Issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International.
Pros
- No monthly maintenance fees, no annual fees, and no credit check required — the prepaid model is accessible to anyone who passes identity verification.
- Supports Apple Pay and Google Pay integration for contactless mobile payments at any compatible terminal.
- Offers a free virtual card with instant issuance plus a physical card with EMV chip for flexible spending in-store and online.
- Supports a wide range of cryptocurrencies including BTC, ETH, LTC, BCH, DOGE, SHIB, and stablecoins USDC and DAI.
- Instantly converts cryptocurrency to fiat at the point of sale, letting users spend crypto anywhere Mastercard is accepted worldwide.
- Backed by a regulated US-based company founded in 2011, licensed by the New York State Department of Financial Services for virtual currency activity.
Cons
- Customer support is limited to an email ticket system with 24-hour expected response times and no live chat option.
- Available only to US residents, excluding international users from accessing the card.
- Charges a $2.50 ATM withdrawal fee within the US and $3.00 for international ATM withdrawals.
- Does not offer any cashback, points, or crypto rewards program, unlike many competing crypto debit cards.
- Applies a 3% fee on purchases and ATM withdrawals made outside the United States.
- Physical card costs $10 to issue, and new card signups have been paused during a transition to a new banking partner.