Tap Card
Tap Global prepaid Mastercard linked to a crypto exchange. Up to 8% cashback paid in XTP tokens. Higher tiers unlock lower trading fees and higher ATM limits via 12-month XTP lockup (€300-€2,500). No monthly subscription fees.
Is the Tap Card worth it?
The Tap Card is a prepaid card on Mastercard, paying up to 8% back on spend. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
- you want up to 8% back on everyday spending
THINK TWICE IF
- you're not willing to stake or hold a token to reach the headline rate
- you want to hold your own keys — this card is custodial
- a fixed cost is a dealbreaker — the annual fee is Free (no subscription fee)
- you're outside EU, UK
How we rate the Tap Card
- Cost25%3.5 / 5
No subscription and low FX at 0.5%, but conversion costs 1% on the entry tier, a physical card £12.99, and an unused card £3 a month after a year.
- Conditions25%4.0 / 5
The 0.5% entry rate needs nothing, but every step up needs XTP locked for 12 months, and the 8% headline is sixteen times the everyday rate.
- Rewards25%2.0 / 5
0.5% on the free tier, capped at €150 a month and paid in XTP — which is itself locked for a year after you receive it.
- Reliability25%3.5 / 5
A listed company with a long-running product, but its plan page is not publicly readable and sources disagree on Apple Pay support.
Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.
The card at a glance
Earning Up to 8%
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Up to 8%, paid in XTP (Tap Token).
- 0.5% on the free Essential tier, capped €150/month.
- Higher rates need XTP locked for 12 months: €500 for 1%, €2,500 for 2%, €15,000 for 6%, €25,000 for 8%.
- Cashback is paid in XTP and locked for a year from when you receive it.
Compare the plans
This card has 5 plans. Select one to see its rate, fees and perks.
Fees you'll actually meet
Strengths and trade-offs
WORKS FOR YOU IF
- Up to 8% cashback
- No monthly fees
- 0% FX fees
- Apple Pay and Google Pay
- EU and UK coverage
LOOK ELSEWHERE IF
- £12.99 physical card issuance fee
- Cashback requires 12-month XTP lockup
- Rewards in XTP — smaller token
- Tier perks locked for 12 months
What sets it apart
- Integrated crypto exchange
- XTP staking for tier unlocks
- Lower trading fees on higher tiers
Latest news & analysis
- GUIDE · Paid in What? The Asset Your Cashback Arrives InTwo cards paying 3% are not equal if one pays in dollars and the other in a token that can halve. What each card actually pays you in, and why it changes the value.
- GUIDE · Staking for Cashback: When Locking Tokens Pays OffMost big cashback rates need you to buy and lock the issuer's token. Here is the arithmetic that tells you whether a staking tier pays for itself — and the risk the arithmetic leaves out.
Common questions
Where can I use the Tap Card?
Does the Tap Card have an annual fee?
How much can I earn with the Tap Card?
Does it work with Apple Pay and Google Pay?
Figures on this page come from Tap Global Ltd's published card terms and were verified on September 16, 2026. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
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