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Updated for August 2026

Coinbase Card vs Xapo Card

Two no-fee crypto cards, head to head. Here’s how they stack up.

Coinbase Card#1
VisaDebit
Coinbase Card card
Cashback
None
Monthly fee
None
Our score
2.5
Get Coinbase Card
Xapo Card#2
VisaDebit
Xapo Card card
Cashback
Up to 1%
Monthly fee
85 USD/month
Our score
1.9
Get Xapo Card

The bottom line

Choose Coinbase Card if…

you want our top-rated pick here — it scores 2.5/5 with our editors.

None cashbackNo monthly fee2.5★ rating

Choose Xapo Card if…

you want the highest cashback in this matchup — earn up to 1% back on everyday spend.

Up to 1% cashback85 USD/month/mo1.9★ rating
3 differences below
FeesRewardsPros & cons
See the full breakdown
Coinbase Card logoCoinbase Card
vs.Xapo Card logoXapo Card

All about Coinbase Card

Coinbase Card card
Get Coinbase Card

Xapo Card

Xapo Card card
Get Xapo Card

Main perks

Monthly feeNone
CashbackNone
FX fee2.49%
Savings0.0
ATM fee1.5%
Currencies236
Supported countries31
Monthly fee85 USD/month
CashbackUp to 1%
FX fee0%
Savings0.0
ATM fee2%
Currencies4
Supported countries117
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Bonus offers

the physical card

500 USD bonus

—

Rewards

Cash cashback
Crypto rewards
Points or miles
Staking rewards
In-app promosOccasional, not guaranteed
Cashback (EU merchants, any card)0.2% in BTC
Cashback (non-EU, plastic or virtual)0.5% in BTC
Cashback (non-EU, metal card)1% in BTC
Monthly cashback cap
Welcome bonus
Staking or savings rate
—

Pros

  • No monthly fee
  • No inactivity fee
  • 200-plus supported crypto assets
  • Apple Pay supported
  • 31 European countries covered
  • No cashback cap
  • Zero FX fee on purchases
  • No card issuance cost
  • $750,000 daily spend limit
—

Cons

  • 4% crypto conversion fee on every purchase
  • 2.49% FX fee on non-euro transactions
  • 1.5% ATM withdrawal fee
  • No cashback or rewards
  • Custodial
  • No IBAN or bank account
  • Virtual or physical card details not confirmed
  • Daily spend capped at 2,500 EUR
  • $85 monthly fee
  • Custodial
  • EU purchases earn only 0.2% cashback
  • 1% rate requires metal card and non-EU merchants
  • ATM withdrawals cost 2%
  • No IBAN
  • KYC required
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Options to Coinbase Card

CardTypeAnnual feeRewardsScore
B logoBleap CardDebit$0Up to 20%4.4View cardB logoBybit CardCrypto$0Up to 10%4.3View cardP logoPlutus CardDebit$0Up to 9%2.7View cardB logoBit2Me CardDebit$0Up to 9%3.9View card