Cartão Bipa vs Bitstack Card
Crypto enabled
Crypto enabled
Verdict
- Bitstack Card scores higher overall (5.5 vs 5.1 out of 10).
- Cartão Bipa is clearly stronger on: Product features.
- Bitstack Card is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Cartão Bipa is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Product features
Bitstack Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Cashback & rewards
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Cartão Bipa | Bitstack Card |
|---|---|---|
| Fees | 100 | 97 |
| Cashback & rewards | 5 | 22 |
| Availability | 3 | 3 |
| FX & international | – | – |
| Product features | 100 | 70 |
| Custody & security | – | 75 |
| Credit & financing | – | 30 |
| Limits & ATM | – | 84 |
| Transparency | 100 | 100 |
| Best for Cashback | 3.5 | 4.5 |
| Best for Travel | 5.6 | 5.9 |
| Best for High Spenders | 4.4 | 5.1 |
| Best for Low Fees | 8.0 | 8.4 |
| Best for Beginners | 7.1 | 6.7 |
| Best E-Money Card | 7.0 | 7.0 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Credit cardShow source
Debit cardConditions apply: tap or hover for detailsShow source
Card linked to the euro cash account
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Card spends euros; Bitcoin held by Bitstack, free withdrawal to an external wallet
Card issuer / program manager
Bitstack Digital Assets SAS, agent of the e-money institution Xpollens (ACPR)Show source
Tiers / plans
Free · Plus · Pro · MaxShow source
Standard · PlusShow source
Fees
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Free plan
FreeConditions apply: tap or hover for detailsShow source
Standard; Plus €2.99/month or €29.99/year
Physical card fee
€9.99Conditions apply: tap or hover for detailsShow source
Standard, plus delivery; Plus: free delivery, annual Plus: free
ATM fee
1%Conditions apply: tap or hover for detailsShow source
Free up to €200/month or 5 withdrawals, then €1 or 1% per withdrawal
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Or 5 withdrawals per month
Other fees & markups
Bitcoin/USDT trading fee up to 3% on Free (0.2%-2% Plus, 0.2%-1% Pro, 0.2%-0.5% Max)Show source
Bitcoin purchase fee 1–1.5% (Standard) or 0.75% (Plus)Show source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Free plan has no Satsback
1%Conditions apply: tap or hover for detailsShow source
Up to; Standard plan, eligibility conditions and caps apply
Max cashback
1.5%Conditions apply: tap or hover for detailsShow source
Max plan
1.5%Conditions apply: tap or hover for detailsShow source
Up to; Plus plan (€2.99/month)
Cashback paid in
BitcoinShow source
BTCShow source
Cashback type
CryptoShow source
CryptoShow source
Cashback conditions
Satsback only on the Plus, Pro and Max plansShow source
Eligibility conditions and caps apply · Card payments are also rounded up to the next euro and the difference is bought in Bitcoin without feesShow source
Reward exclusions
Crypto purchasesShow source
Credit & financing
Credit line
NoShow source
Availability
Available in
BrazilShow source
FranceShow source
Account / spend currencies
BRLShow source
EURShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
French IBAN
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Physical card free on paid plans only
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Airport lounge access
YesConditions apply: tap or hover for detailsShow source
Max plan (Cartão Black), Mastercard benefit
Travel / rental car insurance
YesConditions apply: tap or hover for detailsShow source
Pro and Max plans
Purchase protection
YesConditions apply: tap or hover for detailsShow source
Max plan (Cartão Black)
Limits
Spending limit
€1,000Conditions apply: tap or hover for detailsShow source
Per month for international payments on Standard; €3,000 on Plus
Security & custody
Regulation / licences
CASP licence from the AMF, no. A2025-003 · Agent (no. 747088) of Xpollens, e-money institution licensed by the ACPRShow source
Annual cost at 1,500 EUR/month
Cartão Bipa
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- Net annual valuenot enough data
Bitstack Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+180 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers