# BitPay Card vs. Blackcatcard: fees, limits & KYC

- Blackcatcard has the lowest foreign currency fee (0.35 %).
- Fewest documents: BitPay Card (ID document).
- BitPay Card has the best score (65.17).

## Basics

|  | BitPay Card | Blackcatcard |
| --- | --- | --- |
| Card form | prepaid | unknown |
| Card types | virtual, physical | virtual, physical |
| Card network | Mastercard | Mastercard |
| Custody | unknown | custodial |
| Funding model | fiat balance | fiat balance |
| **Card currencies** | USD | EUR |
| **Usage** | personal | personal, business |
| **Issuer / BIN sponsor** | Metropolitan Commercial Bank | Papaya Ltd |
| Limits depend on | unknown | user setting |
| Cards per account | 1 | unknown |

## Availability

|  | BitPay Card | Blackcatcard |
| --- | --- | --- |
| Available in | unknown | unknown |

## Crypto

|  | BitPay Card | Blackcatcard |
| --- | --- | --- |
| **Supported assets** | BTC, ETH, USDC, DAI, DOGE, LTC, BCH, MATIC, SHIB, WBTC, APE, USDP, GUSD, BUSD, EUROC | BTC, ETH, USDC |
| Number of supported assets | unknown | unknown |
| Top-up networks | unknown | Bitcoin, Ethereum, Tron |
| Fiat top-up | unknown | Yes |

## Payments

|  | BitPay Card | Blackcatcard |
| --- | --- | --- |
| **Mobile wallets** | Apple Pay | Apple Pay, Google Pay |
| ATM withdrawals | Yes | Yes |
| Contactless | Yes | Yes |

## Fees

|  | BitPay Card | Blackcatcard |
| --- | --- | --- |
| Virtual card issuance | 0.00 USD | unknown |
| Physical card issuance | 0.00 USD | 0.00 EUR |
| Free cards | unknown | unknown |
| Shipping | unknown | unknown |
| Monthly fee | 0.00 USD | 0.00 EUR |
| Annual fee | unknown | not applicable |
| Top-up fee | free | unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | unknown | unknown |
| **Foreign currency fee** | 3 % | 0.35 % |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee | unknown | unknown |
| Transaction fee | free | free |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | 0.00 USD | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee | 0.00 USD | unknown |
| Refund fee | unknown | unknown |
| **Inactivity fee** | 5.00 USD | 15.00 EUR |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | Dormancy fee assessed each month after 90 days of no transaction. | unknown |
| Card replacement | unknown | 7.00 EUR (0 EUR when the card has expired) |

## Rewards

|  | BitPay Card | Blackcatcard |
| --- | --- | --- |
| **Cashback** | only in the app | 0.5–5 % |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | unknown |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | BitPay Card | Blackcatcard |
| --- | --- | --- |
| Limits (entry level) | Top-up per transaction 10,000 USD · Top-up per day 10,000 USD · Spending per day 10,000 USD | ATM per day 5,000 EUR · ATM per month 10,000 EUR |

- [BitPay Card](https://cryptocardss.com/en/bitpay-card.md)
- [Blackcatcard](https://cryptocardss.com/en/blackcatcard.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/bitpay-card-vs-blackcatcard/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/compare/bitpay-card-vs-blackcatcard/