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.
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.
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.
The Bipa Card is available in Brazil. Its availability status is "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.