BitPay Card vs SpectroCoin Card

The short answer

Winner: BitPay Card — 6.3/10 versus 5.9/10. It leads on the blend of fees, trust, and community sentiment.

Updated July 2026

BitPay Card logo
BitPay Card
KYC
SpectroCoin Card logo
SpectroCoin Card
KYC
Score
Annual fee
Free
$13.8
Monthly fee
Free
$1.15
Cashback
0%
0%
ATM fee
2%
1%
FX fee
3%
1%
Per transaction
Unlimited
Unlimited
Daily limit
$10k
$25k
Monthly limit
Unlimited
Unlimited
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Custodial
Conversion fee
Free
1.5%
ATM per transaction
$2.4k
$1k
Network
mastercard
visa
IBAN
✗
✓
Apple Pay
✗
✓
Google Pay
✗
✗
Countries
1
17
Coins
BTC, ETH, USDC, XRP
BTC, ETH, USDC, USDT
Get BitPay Card
Get SpectroCoin Card

BitPay Card vs SpectroCoin Card FAQ

On our composite score BitPay Card edges ahead (6.3/10 vs 5.9/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.