Monolith Card vs BitPay Card
The short answer
Winner: Monolith Card — 6.8/10 versus 6.3/10. It leads on the blend of fees, trust, and community sentiment.
Monolith Card
ID required
BitPay Card
ID required
Score
Annual Fee
Free
Free
Monthly Fee
Free
Free
Cashback
0%
0%
ATM Fee
2%
2%
FX Fee
1.75%
3%
Per transaction
$2.4k
$8k
Daily limit
$3k
$10k
Monthly limit
$10k
$25k
KYC
ID
ID
Card type
debit
debit
Custody
non-custodial
custodial
Conversion fee
Free
Free
ATM per tx
$100
$300
Network
visa
mastercard
IBAN
✓
✗
Apple Pay
✓
✗
Google Pay
✗
✗
Countries
16
1
Coins
ETH, USDC, USDT
BTC, ETH, USDC, XRP
Monolith Card vs BitPay Card FAQ
On our composite score Monolith Card edges ahead (6.8/10 vs 6.3/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.