Crypto.com Visa vs Xapo Card
The short answer
Winner: Crypto.com Visa — 7.8/10 versus 6/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Crypto.com Visa
KYC
Xapo Card
KYC
Score
Annual fee
Free
$1000
Monthly fee
Free
Free
Cashback
5%
1%
ATM fee
2%
2%
FX fee
2%
Free
Per transaction
Unlimited
Unlimited
Daily limit
$25k
$750k
Monthly limit
$25k
$300k
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Custodial
Conversion fee
0.75%
0.1%
ATM per transaction
$800
$800
Network
visa
visa
IBAN
✗
✓
Apple Pay
✓
✗
Google Pay
✓
✗
Countries
24
41
Coins
BNB, BTC, ETH, USDC, USDT, XRP
BTC, USDC, USDT
Crypto.com Visa vs Xapo Card FAQ
On our composite score Crypto.com Visa edges ahead (7.8/10 vs 6/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.