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Updated for July 2026
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Xapo Card

#19
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Xapo Card card

A premium Bitcoin-rewards card with genuinely uncapped cashback and a massive spend ceiling, but an $85 monthly fee makes it hard to justify unless you spend heavily outside Europe on the metal card.

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Availability

Available nowComing soon

Rewards rate

Up to 1%

FX fee

0%

Savings

0.0

Availability

117 countries

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All about Xapo Card

Xapo Card card
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Main perks

Monthly fee85 USD/month
CashbackUp to 1%
FX fee0%
Savings0.0
ATM fee2%
Currencies4
Supported countries117
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Bonus offers

500 USD bonus

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Rewards

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
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Pros

  • No cashback cap
  • Zero FX fee on purchases
  • No card issuance cost
  • $750,000 daily spend limit
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Cons

  • $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 Xapo 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