BitPay Card vs Xapo Card
The short answer
Winner: BitPay Card — 6.3/10 versus 6/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
BitPay Card
KYC
Xapo Card
KYC
Score
Annual fee
Free
$1000
Monthly fee
Free
Free
Cashback
0%
1%
ATM fee
2%
2%
FX fee
3%
Free
Per transaction
Unlimited
Unlimited
Daily limit
$10k
$750k
Monthly limit
Unlimited
$300k
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Custodial
Conversion fee
Free
0.1%
ATM per transaction
$2.4k
$800
Network
mastercard
visa
IBAN
✗
✓
Apple Pay
✗
✗
Google Pay
✗
✗
Countries
1
41
Coins
BTC, ETH, USDC, XRP
BTC, USDC, USDT
BitPay Card vs Xapo Card FAQ
On our composite score BitPay Card edges ahead (6.3/10 vs 6/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.