BitPay Card vs Based Card
The short answer
Winner: BitPay Card — 6.3/10 versus 6.2/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
BitPay Card
KYC
Based Card
Email only
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
0%
4%
ATM fee
2%
Free
FX fee
3%
2.5%
Per transaction
Unlimited
Unlimited
Daily limit
$10k
$3k
Monthly limit
Unlimited
Unlimited
KYC
KYC
Email only
Card type
Debit
Debit
Custody
Custodial
Non-custodial
Conversion fee
Free
Free
ATM per transaction
$2.4k
Unlimited
Network
mastercard
visa
IBAN
✗
✗
Apple Pay
✗
✗
Google Pay
✗
✗
Countries
1
41
Coins
BTC, ETH, USDC, XRP
SOL, USDC, USDT
BitPay Card vs Based Card FAQ
On our composite score BitPay Card edges ahead (6.3/10 vs 6.2/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.