Xapo Bank Card vs Crypto.com Visa Card
How does Xapo Bank Card compare to Crypto.com Visa Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Crypto.com Visa Card · provisional, see how we rate
| Feature | Xapo Bank Card | Crypto.com Visa Card |
|---|---|---|
| Our score | 6.6/10 | 7.3/10 |
| Type | Debit | Prepaid |
| Networks | Visa | Visa |
| Rewards | Up to 1% Bitcoin cashback on qualifying purchases worldwide | Up to 4.5% back in CRO on spending, tiered: Ruby Steel 1.5% (up to $750/mo), Royal Indigo 2.5% (up to $1,500/mo), Rose Gold 3.5% (up to $3,000/mo then 0.5%), Obsidian 4.5% (up to $5,000/mo then 1%); Midnight Blue 0% |
| Annual fee | USD 1,000/year (Xapo Bank membership) | Midnight Blue free; Ruby $4.99/mo or $49.90/yr (or $500 CRO stake); Royal Indigo $29.99/mo or $299.90/yr (or $5,000 CRO stake); higher tiers require CRO stake |
| FX fee | 0% (zero FX policy; card-network exchange rate, no Xapo markup) | 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) |
| ATM fee | — | 2% on amounts above the monthly free ATM limit; free limit $200-$1,000/mo depending on tier |
| KYC | Full | Full |
| Custody | Custodial | Custodial |
| Supported coins | BTC, USD | Rewards paid in CRO |
| Availability | — | — |
| Apple / Google Pay | — | — |
Choose Xapo Bank Card if…
- You want a straightforward debit card experience without needing to stake cryptocurrency to access rewards or benefits.
- You prefer a card with a fixed annual fee rather than a tiered structure with varying fees and staking requirements.
- You value a zero foreign exchange (FX) fee policy, ensuring you get the card-network exchange rate without any markup from Xapo.
- You are interested in earning Bitcoin cashback on your purchases, with up to 1% back on qualifying transactions worldwide.
- You are comfortable with a fully custodial wallet solution, where your funds are managed by the provider.
- You are looking for a card that supports both Bitcoin (BTC) and USD, offering flexibility in how you manage your funds.
For more details on how we rate crypto cards, check out our rating methodology.
Choose Crypto.com Visa Card if…
- You are willing to stake CRO tokens to unlock higher reward tiers and potentially earn up to 4.5% back in CRO on your spending.
- You prefer a prepaid card model and are comfortable with the associated top-up fees, which range from 1% to 2.99% depending on the method.
- You are interested in a tiered rewards system that offers higher cashback rates as you move up the tiers, with benefits like increased ATM withdrawal limits and lower FX fees.
- You are comfortable with the varying FX fees, which are 3% for lower tiers and 0% for higher tiers on non-USD purchases and ATM withdrawals.
- You are looking for a card that offers a range of tiers, from the free Midnight Blue to the high-stakes Obsidian, allowing you to choose a level of commitment that suits your needs.
- You are comfortable with a fully custodial wallet solution and are willing to navigate the staking and subscription requirements to access the card’s full benefits.
Bottom line
Both the Xapo Bank Card and the Crypto.com Visa Card offer unique advantages, but they cater to different user preferences and needs. If you value a simple, fee-transparent card with a focus on Bitcoin cashback and zero FX fees, the Xapo Bank Card is a strong choice. However, if you are willing to engage with a tiered system and stake CRO to potentially earn higher rewards and enjoy benefits like lower FX fees and increased ATM limits, the Crypto.com Visa Card offers a more customizable experience. Consider your spending habits, willingness to stake, and preference for rewards structures when making your decision.