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DEBIT · VISA

Xapo Card

by Xapo Bank Ltd · 110+ countries (NOT US — offshore banking focus;…

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.

Referral link, see our affiliate disclosure
DEBITXapo Card logo
XAPO CARD
Visa
MAX REWARD
Up to 1.1%
ANNUAL FEE
$1,000/year (Xapo Bank membership)
FX FEE
0%
KEY FACTS

The card at a glance

CARD TYPE
Debit
Card category
NETWORK
Visa
Where it's accepted
ANNUAL FEE
$1,000/year (Xapo Bank membership)
Cost to hold the card
MAX REWARD
Up to 1.1%
1.1% Bitcoin cashback; ~4% APY on USD deposits
REWARDS IN
Bitcoin
How rewards are paid
FX FEE
0%
On foreign-currency spend
REGION
110+ countries (NOT US — offshore banking focus; Gibraltar regulated)
Where it's available
STAKING
Not required
Lock-up to earn rewards
REWARDS

Earning Up to 1.1%

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.

Reward summary

Up to Up to 1.1%, 1.1% bitcoin cashback; ~4% apy on usd deposits, paid in Bitcoin. No staking required for the base rate.

COSTS

Fees you'll actually meet

Annual fee
Cost to hold the card each year
$1,000/year (Xapo Bank membership)
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
0%
ATM withdrawal
Cash withdrawal cost
Free
Crypto conversion
When spending crypto directly
0.1% BTC spread
Issuance fee
One-off cost to get the card
Free (included in membership)

ℹ️ 1.1% Bitcoin cashback; ~4% APY on USD deposits

VERDICT

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
STANDOUT FEATURES

What sets it apart

✦Regulated offshore bank account included
✦~4% yield on USD deposits
✦Unlimited 0% FX fees
✦Metal card
✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app✓ No staking
ABOUT THIS CARD

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. 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.

XAPO BANK LTD
Up to 1.1%
$1,000/year (Xapo Bank membership) · 0% FX
Apply now →
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REGIONS
EUUnited StatesUKBrazilSwitzerlandMexicoArgentinaAustralia

1 Reward rates are the issuer's published maximum. Reaching them can require a staking tier, a spending category or a monthly cap.

2 FX and ATM fees are taken from each issuer's fee schedule and re-checked weekly. Regional variants may differ.

3 Some issuers pay us a referral fee. It never changes the ranking. Read our methodology.

© 2026 Cryptocards.oneTermsPrivacyAffiliate disclosure
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Not financial advice. Crypto involves risk, including loss of capital. Terms vary by region, verify with each issuer.