This card program is discontinued - not accepting new users. This review stays online as an archive. Daily check: unknown · checked never.
BitPay Card Review
Discontinued for new applicants - the longest-running US crypto prepaid card, now ended. Kept as archive: BitPay continues as a payments company, but the card program is closed to new users.
by the cryptodebitcards editorial desk · review version 2 · prose updated 2026-09-20 · facts as of 2026-09-20 · how we verify
Overview
BitPay Card homepage - live capture 2026-09-19
The BitPay Card is a discontinued prepaid Visa card offered by fintech company BitPay, Inc. It was the longest-standing US crypto prepaid card, but new applications have been paused since June 2023. The card is physical and was available for users in the US.
Fees & Costs
The fee structure for the BitPay Card includes a historic $2.50 flat ATM fee, with a $2,000 daily ATM limit and a $25,000 monthly spend limit. However, current fees such as issuance, monthly, top-up, FX, and inactivity fees have not been verified.
KYC & Onboarding
The BitPay Card requires full KYC, but the trigger and required documents are not specified. The ordering process and issuance/shipping time are also unknown, as new applications have been paused.
Coins & Top-up
The card supports top-up with various cryptocurrencies, including BTC, BCH, ETH, USDC, DOGE, and LTC, through in-app conversion. However, native crypto loading is not supported, and lightning network support is not available. The minimum top-up amount is not verified.
Rewards
The cashback rate, payout token, caps, and tiers for the BitPay Card have not been verified, and it is unclear if the card offers any rewards program.
Reliability & Red Flags
BitPay, the operator, has a reputation as a longstanding crypto payments company, but the card program has been discontinued for new applicants. There are no reported red flags, but the pause in new applications and lack of a relaunch date may be a concern for potential users. External sources, such as Reddit comments and reviews, confirm the card's discontinued status.
Verdict
The BitPay Card is no longer available for new applicants, and existing users should be aware that the program may not be reinstated. Users seeking a crypto prepaid card should consider alternative options.
What works
Was: the longest-running US crypto prepaid card
Was: instant wallet loads in many coins
What to watch
New issuance ended (~2023-2024)
US only
Per-load conversion sold crypto at load (taxable each time)
Fee reality check
Fine print
Historic structure (archive): $2.50 flat ATM fee, $2,000 daily ATM limit, $25,000 monthly spend limit, BTC/ETH/USDC/USDT loads, Apple Pay support. No new issuance since June 2023.
Historic fees include a $2.50 flat ATM fee, but current fees are unknown.
Which coins can you load?
The card supports top-up with BTC, BCH, ETH, USDC, DOGE, and LTC through in-app conversion.
Does it pay cashback?
Cashback details have not been verified.
Which regions does it serve?
The card is available in the US.
Is it safe/legit?
BitPay is a reputable crypto payments company, but the card program's discontinuation may be a concern.
Is the card physical or virtual?
The BitPay Card is a physical card.
The meta-review: what the internet says about BitPay Card
We do not expect you to trust us. This review is a meta-review: below you see what other review sites claim, what users report on Reddit and forums, and who actually operates BitPay Card - including the issuing structure behind the card. Every claim links to its source so you can verify it yourself. Our verdict forms from these sources plus our own fact checks - not the other way around.
What other reviewers say (1)
Heads-up: most crypto card "reviews" are affiliate content. We mark our reliability judgement on every source and include critical voices deliberately.
Documents the card's current state: new applications paused since June 2023 after Metropolitan Commercial Bank (the previous issuer) exited the crypto sector; BitPay is working with a new banking partner but has announced no relaunch date; new users can only join a waitlist; existing cardholders can still use their cards. Historic specs: $2.50 flat ATM fee, $2,000 daily ATM limit, $25,000 monthly spend, BTC/ETH/USDC/USDT support, Apple Pay compatibility.
What users say (2)
Reddit, forums, complaint boards. Anecdotes, not proof - but patterns across threads are the best early-warning system this industry has.
'Cypher and BitPay are currently discontinued/paused btw!' - community knowledge in Aug 2026 still treats the BitPay card as paused/dead; alternatives (Plasma card) being evaluated instead.
'BitPay hasn't been accepting any new users since 2023, making it an unwise choice unless you already own it.' - matches the June 2023 pause date; existing holders reportedly unaffected.
Who is behind BitPay Card?
Card programs stand and fall with their operator and BIN sponsor. This is what we could verify - with sources. Confidence: medium (checked 2026-09-19).
Operator
BitPay
Legal entity / issuer
BitPay, Inc. (US)
Registered in
United States
Crypto payments company; card program ended for new applicants.
Generated by Llama on 2026-09-20 from our fact database plus the 4 linked sources above. It summarizes - it does not add facts. Check anything that matters against the linked sources.
Bottom line: The BitPay Card program has ended for new applicants as of June 2023. Existing cardholders can still use their cards, but no new applications are being accepted. The card's status is discontinued.
The fee reality: The card had a $2.50 flat ATM fee, a $2,000 daily ATM limit, and a $25,000 monthly spend limit. However, these fees are no longer applicable since the card program is discontinued.
KYC and coins: The card required full KYC and supported loading with various cryptocurrencies, including BTC, BCH, ETH, USDC, and DOGE.
What reviewers say vs what users say: Reviewers and users alike report that the card program is discontinued, with new applications paused since June 2023. There is no conflict between reviewer and user opinions on this matter.
Who issues it: The BitPay Card was issued by Metropolitan Commercial Bank in the US, but the issuer has exited the crypto sector, leading to the card program's discontinuation. BitPay continues to operate as a payments company.
Sources & how this review was built
Every external source used on this page, with the date we fetched it. Methodology: how we verify. Sources disappear or change - if a link is dead, tell us via contact.
Back and verifiable: the Uphold Debit Card relaunched in the US with up to 4% back in XRP (Elite, $99.99/yr) or 2% (Essential, free), Visa acceptance with Apple/Google Pay, no credit check and FDIC pass-through on the USD balance. The trade-offs: rewards are XRP-denominated with conditions (holding periods, monthly caps), the program's history is pause-and-restart, and support tickets show crediting/adjustment friction. US-only (no NY/LA/territories).
The veteran (2014) reinvented as a stablecoin bank: fee-free FX worldwide, multi-currency accounts with 1:1 stablecoin conversion, real Visa/Mastercard principal memberships and an 8% headline cashback. Fee details hide in the help hub, and the El Salvador licensing move makes the regulatory story newer than its brand.
Full KYC8% backphysical card0% FX
0% load · 0% FX · 8% back in USD
Higher limits with the Wirex Private metal card ($100,000+ balance)Fintech 3 d ago
The most complete dual-mode card: one tap switches between spending your crypto (Debit, with daily interest) and borrowing against it (Credit, from 1.9%) - with free ATM allowances up to EUR 2,000/month and no card fees. The catch: meaningful cashback needs a $5,000+ portfolio and is denominated in NEXO, and it is EEA/UK-only.
Full KYC2% backphysical card
0% load · 0.2% FX · 2% back in NEXO
Higher limits via Nexo Private ($100,000+ assets)Fintech 3 d ago
No comments yet - be the first. No account needed; the anti-spam proof runs in your browser.