BitPay Card vs Rain Card
The short answer
Winner: Rain Card — 7.5/10 versus 6.3/10. It leads on the blend of fees, trust, and community sentiment.
BitPay Card
ID required
Rain Card
Email only
Score
Annual Fee
Free
Free
Monthly Fee
Free
Free
Cashback
0%
1%
ATM Fee
2%
Free
FX Fee
3%
Free
Per transaction
$8k
$3k
Daily limit
$10k
$5k
Monthly limit
$25k
$20k
KYC
ID
Email
Card type
debit
debit
Custody
custodial
non-custodial
Conversion fee
Free
Free
ATM per tx
$300
$200
Network
mastercard
visa
IBAN
✗
✗
Apple Pay
✗
✓
Google Pay
✗
✓
Countries
1
1
Coins
BTC, ETH, USDC, XRP
ETH, USDC
BitPay Card vs Rain Card FAQ
On our composite score Rain Card edges ahead (7.5/10 vs 6.3/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.