Provider comparison
BitPay Card vs Coinbase Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
The BitPay Card lets you spend supported cryptocurrencies at any merchant that accepts Visa, converting crypt…
Coinbase Card lets you spend cryptocurrency directly from your Coinbase account. It is a custodial Visa debit…
Effective rewards
BitPay Card
Coinbase Card
Reward asset
BitPay Card
Coinbase Card
Custody
BitPay Card
Coinbase Card
Annual fee
BitPay Card
Coinbase Card
FX fee
BitPay Card
Coinbase Card
ATM fee
BitPay Card
Coinbase Card
Conversion spread
BitPay Card
Coinbase Card
Network
BitPay Card
Coinbase Card
Apple / Google Pay
BitPay Card
Coinbase Card
Region availability
BitPay Card
Coinbase Card
| Feature | BitPay Card | Coinbase Card |
|---|---|---|
| Effective rewards | No base reward on everyday spend | 1-4% (rotating; 4% on select tokens, 1% on BTC/ETH/DAI) |
| Reward asset | None (occasional promos) | Rotating (e.g. XLM, GRT, AMP, RLY at 4%; BTC/ETH/DOGE/DAI at 1%) |
| Custody | Custodial | Custodial |
| Annual fee | $0 stated | No annual fee |
| FX fee | ~3% foreign transaction fee (poor for travel) | No foreign transaction fee |
| ATM fee | Applies | No Coinbase ATM fee (operator fees may apply) |
| Conversion spread | BitPay conversion rate on load | Spread on crypto sold to fund purchase (Coinbase spread) |
| Network | Mastercard | Visa |
| Apple / Google Pay | Yes | Yes |
| Region availability | United States only; new applications paused (waitlist) | United States only |
BitPay Card
The BitPay Card lets you spend supported cryptocurrencies at any merchant that accepts Visa, converting crypto to fiat at the point of sale. It is a custodial prepaid card issued by BitPay, designed for users who want to use their digital assets for everyday purchases.
Coinbase Card
Coinbase Card lets you spend cryptocurrency directly from your Coinbase account. It is a custodial Visa debit card that converts crypto to fiat at the point of sale.
Risk warning: Cryptocurrency is a volatile, high-risk asset class. Prices can fall as well as rise, and you could lose some or all of the money you put in. Custodial providers carry counterparty risk; self-custody puts key security entirely on you. This page is general information, not financial advice.
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