Provider comparison
BitPay Card vs Crypto.com Visa 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…
The Crypto.com Visa Card lets you earn crypto cashback on purchases and access perks like airport lounge visi…
Effective rewards
BitPay Card
Crypto.com Visa Card
Reward asset
BitPay Card
Crypto.com Visa Card
Staking tier
BitPay Card
Crypto.com Visa Card
Custody
BitPay Card
Crypto.com Visa Card
Annual fee
BitPay Card
Crypto.com Visa Card
FX fee
BitPay Card
Crypto.com Visa Card
ATM fee
BitPay Card
Crypto.com Visa Card
Conversion spread
BitPay Card
Crypto.com Visa Card
Network
BitPay Card
Crypto.com Visa Card
Apple / Google Pay
BitPay Card
Crypto.com Visa Card
Region availability
BitPay Card
Crypto.com Visa Card
| Feature | BitPay Card | Crypto.com Visa Card |
|---|---|---|
| Effective rewards | No base reward on everyday spend | 1-2% realistic (mid-tiers); 5% ceiling needs $400k CRO staked |
| Reward asset | None (occasional promos) | CRO |
| Staking tier | CRO $0 (1%) / $400 (2%) / $4k (3%) / $40k (5%) / $400k (5%+perks), locked 180 days | |
| Custody | Custodial | Custodial |
| Annual fee | $0 stated | No annual fee; some regions charge shipping/issuance |
| FX fee | ~3% foreign transaction fee (poor for travel) | None up to monthly limit, then ~0.5-3% |
| ATM fee | Applies | Free to monthly cap (e.g. $200-$1k by tier), then ~2-3% |
| Conversion spread | BitPay conversion rate on load | Interbank-ish, no explicit spread disclosed |
| Network | Mastercard | Visa |
| Apple / Google Pay | Yes | Yes |
| Region availability | United States only; new applications paused (waitlist) | US, EEA, UK, Canada, APAC, LATAM (varies) |
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.
Crypto.com Visa Card
The Crypto.com Visa Card lets you earn crypto cashback on purchases and access perks like airport lounge visits. It is a custodial card that requires staking CRO tokens to unlock higher reward tiers.
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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