I signed up for the BitPay Visa card for $9.95 + Network Fee, which turned out to be about $11, more than the card itself. The fees are destroying Bitcoin Core. Perhaps BitPay should switch to Bitcoin Cash or Bitcoin Gold which brings mining back to the people.
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You should go with the SHIFT card, which is partnered with coinbase. No BS fees, literally just exactly $10 of btc, and when you make purchases you don't need to pay fees to sell from btc > usd, very satisfied by shift. Sorry to hear you got the bitpay one LOL :/ It can be a backup one, and bitpay does offer BCH but it's annoying having to sell your crypto in advance, instead of it automatically happening at point of sale.