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Updated for August 2026

Crypto.com vs Xapo Card

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

Crypto.com#1
VisaPrepaid
•••• ••••
Cashback
5%
Monthly fee
None
Our score
2.2
Get Crypto.com
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 Crypto.com if…

you want the highest cashback in this matchup — earn 5% back on everyday spend.

5% cashbackNo monthly fee2.2★ rating

Choose Xapo Card if…

you want a balanced option with up to 1% cashback on the Visa network.

Up to 1% cashback85 USD/month/mo1.9★ rating
4 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.Xapo Card logoXapo Card

All about Crypto.com Obsidian

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Get Crypto.com Obsidian

Xapo Card

Xapo Card card
Get Xapo Card

Main perks

Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
Monthly fee85 USD/month
CashbackUp to 1%
FX fee0%
Savings0.0
ATM fee2%
Currencies4
Supported countries117
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Bonus offers

No current bonus offer.

500 USD bonus

—

Rewards

Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
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

  • 5% back in CRO with no monthly cap
  • Permanent Spotify, Netflix and Truth+ rebates
  • Lounge access with a guest
  • Exclusive F1, UFC and football invitations
  • Voice and messaging support
  • No cashback cap
  • Zero FX fee on purchases
  • No card issuance cost
  • $750,000 daily spend limit
—

Cons

  • Requires a €450,000 CRO stake
  • No subscription alternative
  • CRO locked for twelve months
  • Heavy exposure to CRO price movement
  • Rewards paid in CRO only
  • $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
—

Options to Crypto.com

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