The Bipa Card earns 0-1.5% 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 0-1.5% BTC cashback across 4 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. See where it ranks among the best crypto credit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Free | 0% | Free plan, virtual Gold card, no Satsback |
| Plus | 0.5% | Plus plan, free once combined card spend and crypto volume passes BRL 1,500 a month, otherwise BRL 14.90 a month |
| Pro | 1% | Pro plan, free once combined card spend and crypto volume passes BRL 5,000 a month, otherwise BRL 49.90 a month |
| Max | 1.5% | Max plan, free once combined card spend and crypto volume passes BRL 10,000 a month, otherwise BRL 99.90 a month |
On $500/mo spend, the estimated monthly cost breakdown for Bipa Card is: gas $0.00, conversion spread $7.50, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $0.00/mo cashback that is still a net cost of about $7.50/mo ($90.00/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.
Note: Collateral-based Mastercard credit card. Reais back the limit at 100% LTV for any cardholder; depositing BTC at 50% LTV or USDT at 80% LTV requires the Bipa Turbo subscription. 300K+ users. Satsback® pays Bitcoin on purchases and the rate is set by the plan, not by a separate subscription: Free 0%, Plus 0.5%, Pro 1%, Max 1.5%, per Bipa's Satsback support article. Plan prices are BRL 14.90, 49.90 and 99.90 a month, each waived once combined card spend and crypto trading volume passes BRL 1,500, 5,000 and 10,000 respectively, and the card tier rises with the plan (Gold virtual on Free, Gold physical on Plus, Platinum on Pro, Black on Max). Bipa Turbo is still live alongside that ladder and the two do not agree: the current card terms article, titled Termos e Condicoes de Uso do Cartao BIPA, Satsback, Bipa Turbo, still describes the older split of 0.5% for standard users and 1% for Turbo members at R$50 a month billed through the card statement, and states that depositing BTC or USDT as card collateral is available only to Turbo members. Only Turbo's separate explainer article 404s. The tiers recorded here follow the Satsback article and the plans page, which are the pages specifically about rates and plans, and no Turbo multiplier is recorded on top of them. Collateral limits: up to R$10,000 of collateral unlocks R$5,000 of limit on BTC or R$8,000 on USDT, rising to R$100,000 on BTC and R$160,000 on USDT for Turbo members. One modelling caveat: the plan prices here are in reais, which this site's cost model does not convert, so the paid plans are costed at zero. The default ranking is unaffected because it holds Bipa on the free 0% tier, but selecting Plus, Pro or Max in the tier picker shows that plan's rate without its monthly price, which flatters those tiers at a spend below the waiver threshold. Cofrinho Bitcoin feature auto-converts 100% CDI yield into BTC. No annual fee; fees apply only to specific operations. Launched in partnership with Mastercard. Bipa's own pages also quote different headline rates (up to 5% on bipa.app/cartao-bitcoin-cashback, up to 2% on produtos.bipa.app/cartao-bitcoin); both are blended marketing figures combining purchase Satsback with a separate BRL-collateral CDI yield paid in BTC, not purchase-cashback tiers.
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 0-1.5% BTC cashback. There are 4 tiers: Free (0%), Plus (0.5%), Pro (1%), Max (1.5%).
The Bipa Card has an annual fee of $0. Note: Collateral-based Mastercard credit card. Reais back the limit at 100% LTV for any cardholder; depositing BTC at 50% LTV or USDT at 80% LTV requires the Bipa Turbo subscription. 300K+ users. Satsback® pays Bitcoin on purchases and the rate is set by the plan, not by a separate subscription: Free 0%, Plus 0.5%, Pro 1%, Max 1.5%, per Bipa's Satsback support article. Plan prices are BRL 14.90, 49.90 and 99.90 a month, each waived once combined card spend and crypto trading volume passes BRL 1,500, 5,000 and 10,000 respectively, and the card tier rises with the plan (Gold virtual on Free, Gold physical on Plus, Platinum on Pro, Black on Max). Bipa Turbo is still live alongside that ladder and the two do not agree: the current card terms article, titled Termos e Condicoes de Uso do Cartao BIPA, Satsback, Bipa Turbo, still describes the older split of 0.5% for standard users and 1% for Turbo members at R$50 a month billed through the card statement, and states that depositing BTC or USDT as card collateral is available only to Turbo members. Only Turbo's separate explainer article 404s. The tiers recorded here follow the Satsback article and the plans page, which are the pages specifically about rates and plans, and no Turbo multiplier is recorded on top of them. Collateral limits: up to R$10,000 of collateral unlocks R$5,000 of limit on BTC or R$8,000 on USDT, rising to R$100,000 on BTC and R$160,000 on USDT for Turbo members. One modelling caveat: the plan prices here are in reais, which this site's cost model does not convert, so the paid plans are costed at zero. The default ranking is unaffected because it holds Bipa on the free 0% tier, but selecting Plus, Pro or Max in the tier picker shows that plan's rate without its monthly price, which flatters those tiers at a spend below the waiver threshold. Cofrinho Bitcoin feature auto-converts 100% CDI yield into BTC. No annual fee; fees apply only to specific operations. Launched in partnership with Mastercard. Bipa's own pages also quote different headline rates (up to 5% on bipa.app/cartao-bitcoin-cashback, up to 2% on produtos.bipa.app/cartao-bitcoin); both are blended marketing figures combining purchase Satsback with a separate BRL-collateral CDI yield paid in BTC, not purchase-cashback tiers.
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.