by Xapo Bank ยท Updated 2026-03-16
The Xapo Card is a crypto debit card offered by Xapo Bank, available in 110+ countries. It offers 0.2-1% BTC cashback rewards on purchases. The card features 2 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at $1,000/yr. It runs on the Visa network and requires full identity verification.
| Tier | Rate | Requirement |
|---|---|---|
| SEPA Merchants | 0.2% | $1,000/yr membership |
| Metal | 1% | $1,000/yr membership |
Note: Relaunched as Xapo Bank. $1,000/yr annual membership required. 0.2% cashback for SEPA merchants, up to 1% globally. Ultra-low 0.1% BTC spread. No FX fees.
The Xapo Card is a crypto debit card offered by Xapo Bank. It is available in 110+ countries and allows users to spend cryptocurrency at merchants worldwide.
The Xapo Card offers 0.2-1% BTC cashback. There are 2 tiers: SEPA Merchants (0.2%), Metal (1%).
The Xapo Card has an annual fee of $1,000/yr. Additional fees: Conversion fee: 0.1% BTC spread; FX fee: 0%.
The Xapo Card is available in 110+ countries. Its availability status is "Global".
The Xapo Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Xapo Card supports Apple Pay and Google Pay for contactless payments.