The BitPay USD card this is a very good debit card option for cryptocurrencies since it has a very honest interest rate system on its platform, with this card you can perform multiple functions one of this is to be able to make purchases with it paying with cryptocurrencies By point of sale, this has a very good trick since instead of charging you an interest fee for its use, you can get a refund. ATM surcharges are more varied since if you use it in the established country it has a very low interest rate, but nevertheless you use it abroad it has a 3% rate.