Takenos Card (TakeCard) vs Xapo Bank Card
How does Takenos Card (TakeCard) compare to Xapo Bank Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Takenos Card (TakeCard) · provisional, see how we rate
Quick answer. Takenos Card (TakeCard) and Xapo Bank Card are both crypto cards — here's how they differ. Key differences: foreign-spend fee (Takenos Card (TakeCard): USD payments 1:1 with no adjustment; other currencies at the official Visa exchange rate (no markup stated) vs Xapo Bank Card: 0% (zero FX policy; card-network exchange rate, no Xapo markup)). Our provisional scoring rates Takenos Card (TakeCard) higher (6.7/10 vs 6.6/10), but the best pick depends on your country and how you spend.
| Feature | Takenos Card (TakeCard) | Xapo Bank Card |
|---|---|---|
| Our score | 6.7/10 | 6.6/10 |
| Type | Prepaid | Debit |
| Networks | Visa | Visa |
| Rewards | — | Up to 1% Bitcoin cashback on qualifying purchases worldwide |
| Annual fee | — | USD 1,000/year (Xapo Bank membership) |
| FX fee | USD payments 1:1 with no adjustment; other currencies at the official Visa exchange rate (no markup stated) | 0% (zero FX policy; card-network exchange rate, no Xapo markup) |
| ATM fee | ~USD 5 (varies by location) | — |
| KYC | — | Full |
| Custody | Custodial | Custodial |
| Supported coins | USDC, USDT | BTC, USD |
| Availability | Argentina (also Latin America); card issued in the USA | — |
| Apple / Google Pay | Yes | — |
Choosing between the Takenos Card (TakeCard) and the Xapo Bank Card depends on your specific needs and preferences. Both cards offer unique features and benefits, but they cater to different types of users. Below, we break down which card might be the better fit for you based on key factors.
Choose Takenos Card (TakeCard) if…
- You want to fund your card with stablecoins: The Takenos Card allows you to fund your card with USDC and USDT, making it a great option if you prefer using stablecoins for transactions.
- You need a card with no foreign exchange markup: The Takenos Card offers USD payments at a 1:1 rate with no currency adjustment, which is ideal for international spending in USD.
- You prefer a card with lower barriers to entry: Unlike the Xapo Bank Card, the Takenos Card does not require a costly membership fee, making it more accessible for those who want to avoid high upfront costs.
- You want instant access to a virtual card: The Takenos Card offers a virtual card that you can get instantly, which is perfect for those who need immediate access to a card for online transactions.
- You use Apple Pay or Google Pay: The Takenos Card supports both Apple Pay and Google Pay, providing flexibility in how you make payments.
Choose Xapo Bank Card if…
- You want to earn Bitcoin cashback: The Xapo Bank Card offers up to 1% Bitcoin cashback on qualifying purchases worldwide, which is a unique feature for those looking to accumulate Bitcoin.
- You require zero foreign exchange fees: The Xapo Bank Card has a zero FX fee policy, meaning you won’t pay any additional fees for international transactions, which is beneficial for frequent travelers or global spenders.
- You prefer a card with premium options: The Xapo Bank Card offers virtual, PVC, and Metal card options, catering to those who value different card materials and features.
- You are willing to pay for a premium banking experience: The Xapo Bank Card requires a USD 1,000/year membership fee, which grants access to a range of exclusive banking services and benefits.
Bottom line
Ultimately, the choice between the Takenos Card and the Xapo Bank Card hinges on your priorities. If you value stablecoin funding, no foreign exchange markup, and lower barriers to entry, the Takenos Card is likely the better option. However, if you are interested in earning Bitcoin cashback, require zero FX fees, and are willing to pay for a premium banking experience, the Xapo Bank Card might be more suitable. Consider your spending habits, financial goals, and preferences to make the best decision for your needs.