Xapo Card
1%
$1000
41 countries
The Xapo Card is a premium metal debit card bundled with Xapo Bank membership, spending BTC, USD, USDC and USDT with a USD account issued in the holder's name. It stands out for near-frictionless spending: 0% FX, only a ~0.1% BTC/fiat spread, free ATM withdrawals up to $100/month, and Bitcoin cashback of up to 1%, all backed by very high spending limits and 100+ country coverage. The trade-off is the steep annual membership (~$1,000), which makes it a fit for high-balance users rather than casual spenders.
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What it really costs to spend crypto
From loading your wallet to paying at the till.
Plus 2% at ATMs. Estimated from provider rates; the conversion spread can vary.
Fee breakdown
Spending limits
Limits shown are for the standard tier and may increase with higher tiers or verification.
Supported coins
Supported networks
Crypto features
Availability
Not available in: KP, IR, SY, CU
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Xapo Card FAQ
Xapo Card holds a trust score of 7.5/10 on NomadCard, drawn from user reviews on Reddit, Trustpilot, and the app stores. Most users speak well of it.