BitPay Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	BitPay Card self_custodialmastercard	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	—	4.0/5
Fees
Monthly Fee	$0	No annual fees for base tier
Issuance Fee	$0	See card_tiers - varies by tier and region
Rewards
Max Cashback	15%	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	No issuance fees for both virtual and physical cards No monthly maintenance fees Instant conversion of crypto to spendable USD FDIC insurance on USD balances up to $250,000 (when requirements met)	Generous CRO cashback rates (up to 8% on everyday spending for Prime tier) Travel rewards program offering up to 15% back on travel spending No annual fees for base tier Subscription rebates for popular services (Spotify, Netflix, Truth+)
Cons	New applications currently paused during banking partner transition No published timeline for program relaunch U.S. residents only, not available internationally No universal cashback on all purchases	Substantial CRO token staking requirements for higher tiers (12-month lockup) Exposure to cryptocurrency volatility through staking model Rewards programs have been reduced over time Prepaid product requiring active top-up before spending