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Updated for August 2026

Crypto.com Card vs Xapo Card

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

Crypto.com Card#1
VisaDebit
Crypto.com Card card
Cashback
Up to 5%
Monthly fee
None
Our score
3.4
Get Crypto.com 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 Crypto.com Card if…

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

Up to 5% cashbackNo monthly fee3.4★ 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
3 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com Card logoCrypto.com Card
vs.Xapo Card logoXapo Card

All about Crypto.com Card

Crypto.com Card card
Get Crypto.com Card

Xapo Card

Xapo Card card
Get Xapo Card

Main perks

Monthly feeNone
CashbackUp to 5%
FX fee2%
Savings0.0
ATM fee2%
Currencies24
Supported countries29
Monthly fee85 USD/month
CashbackUp to 1%
FX fee0%
Savings0.0
ATM fee2%
Currencies4
Supported countries117
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Bonus offers

25 USD bonus

500 USD bonus

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Rewards

Cashback rate (Ruby Steel, free entry tier)1%
Monthly cashback cap (Ruby Steel)€20
Cashback paid inCRO
Unlimited cashback available
Welcome bonus
Lounge access (entry tier)
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

  • €25,000 daily spend limit
  • Virtual card free
  • Works across 29 European countries
  • Apple Pay supported
  • No cashback cap
  • Zero FX fee on purchases
  • No card issuance cost
  • $750,000 daily spend limit
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Cons

  • 2% FX fee on non-base currency spending
  • Entry cashback capped at €20 per month
  • Top cashback rates require massive CRO lockups
  • €5 physical card issuance fee
  • €5 monthly inactivity fee
  • Custodial
  • No IBAN or personal bank account
  • Manual preload required, no auto-conversion
  • $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 Crypto.com 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