Xapo Card
Premium metal debit card linked to a regulated offshore USD and Bitcoin bank account. Included with $1,000/year Xapo Bank membership. Offers up to 1.1% Bitcoin cashback, unlimited 0% FX fees, and ~4% yield on USD deposits.
Is the Xapo Card worth it?
The Xapo Card is a debit card on Visa, paying up to 1% back on spend. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
- you want up to 1% back on everyday spending
- you don't want to stake or lock up a token to earn the rate
THINK TWICE IF
- you want to hold your own keys — this card is custodial
- a fixed cost is a dealbreaker — the annual fee is $1,000/year (Xapo Bank membership)
How we rate the Xapo Card
- Cost25%2.0 / 5
The card is free but the membership is not: $1,000 a year for Xapo Bank. FX is 0% and the BTC spread 0.1%, with ATM withdrawals free to $100 a month, then 2%.
- Conditions25%3.5 / 5
No stake or token holding, but the card exists only inside a $1,000-a-year membership, which is what stands between you and the rate.
- Rewards25%3.0 / 5
1% in Bitcoin on card purchases, dropping to 0.2% at merchants in the SEPA area. USD deposits earn around 4% a year separately.
- Reliability25%4.5 / 5
A licensed bank in Gibraltar with a long record and published card FAQs; the main gap is that its newest card figures date from mid-2025.
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 1%
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 1%, 1% in Bitcoin on card purchases, but 0.2% at merchants in the SEPA area. Around 4% APY on USD deposits, paid in Bitcoin. No staking required for the base rate.
Fees you'll actually meet
ℹ️ 1% in Bitcoin on card purchases, but 0.2% at merchants in the SEPA area. Around 4% APY on USD deposits.
How much cash you can take out
The maximum total you can withdraw in each period. One set of limits applies wherever the card is available.
The daily limit is a default and can be adjusted in the app. The first $100 each month is free; 2% after that, and operator fees may count towards the $100.
Strengths and trade-offs
WORKS FOR YOU IF
- Regulated offshore banking
- 0% FX fees unlimited
- 1.1% Bitcoin cashback
- 4% yield on USD balance
- Apple Pay and Google Pay
LOOK ELSEWHERE IF
- $1,000/year membership fee
- Custodial model
- Premium market only
What sets it apart
- Regulated offshore bank account included
- ~4% yield on USD deposits
- Unlimited 0% FX fees
- Metal card
Latest news & analysis
Common questions
Where can I use the Xapo Card?
Does the Xapo Card have an annual fee?
Do I need to stake anything to earn rewards?
How much can I earn with the Xapo Card?
Does it work with Apple Pay and Google Pay?
Figures on this page come from Xapo Bank 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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