The Bipa Card earns 0.5-1% BTC cashback on a Mastercard credit card with no annual fee, available in Brazil.
Bipa is a Brazilian fintech founded in 2017 specializing in Bitcoin financial services, regulated by the Central Bank of Brazil (BCB). The company offers a Mastercard credit card with Bitcoin cashback, a digital wallet with Pix integration, and a Bitcoin savings product (Cofrinho). Over 300,000 Brazilians use the platform.
The Bipa Card is a crypto credit card offered by Bipa, available in Brazil. It offers 0.5-1% BTC cashback across 2 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card.
Best suited for spenders who want a true credit line rather than a pre-funded crypto debit card. It runs on the Mastercard network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in Latin America guide.
On $500/mo spend, the estimated monthly cost breakdown for Bipa Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $3.00/mo cashback that is still a net cost of about $4.50/mo ($54.00/yr). Bipa Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0.5% | All purchases (Satsback® Bitcoin cashback) |
| Turbo | 1% | Bipa Turbo subscription (R$50/mo) |
Note: Collateral-based Mastercard credit card: BTC at 50% LTV, USDT at 80% LTV, BRL at 100% LTV. 300K+ users. Satsback® cashback pays Bitcoin on every purchase (0.5% standard, 1% with Turbo). Bipa Turbo subscription (R$50/mo) doubles cashback and raises max credit limit to R$160,000. Cofrinho Bitcoin feature auto-converts 100% CDI yield into BTC. No annual fee; fees apply only to specific operations. Launched in partnership with Mastercard. Advertised 'up to 5% BTC cashback' is a blended marketing figure combining purchase Satsback (0.5%/1%) with a separate BRL-collateral CDI yield paid in BTC — not a purchase-cashback tier.
Other crypto cards in the same region or category that may suit your spending profile:
The Bipa Card is a crypto credit card offered by Bipa. It is available in Brazil and allows users to spend cryptocurrency at merchants worldwide.
The Bipa Card offers 0.5-1% BTC cashback. There are 2 tiers: Standard (0.5%), Turbo (1%).
The Bipa Card has an annual fee of $0. Note: Collateral-based Mastercard credit card: BTC at 50% LTV, USDT at 80% LTV, BRL at 100% LTV. 300K+ users. Satsback® cashback pays Bitcoin on every purchase (0.5% standard, 1% with Turbo). Bipa Turbo subscription (R$50/mo) doubles cashback and raises max credit limit to R$160,000. Cofrinho Bitcoin feature auto-converts 100% CDI yield into BTC. No annual fee; fees apply only to specific operations. Launched in partnership with Mastercard. Advertised 'up to 5% BTC cashback' is a blended marketing figure combining purchase Satsback (0.5%/1%) with a separate BRL-collateral CDI yield paid in BTC — not a purchase-cashback tier.
Yes. The Bipa Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Bipa Card is available in Brazil.
The Bipa Card is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.