Jam Card vs Xapo Card
The short answer
Winner: Jam Card — 6.3/10 versus 6/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Jam Card
No KYC
Xapo Card
KYC
Score
Annual fee
Free
$1000
Monthly fee
Free
Free
Cashback
0%
1%
ATM fee
Free
2%
FX fee
2.5%
Free
Per transaction
Unlimited
Unlimited
Daily limit
$250k
$750k
Monthly limit
Unlimited
$300k
KYC
No KYC
KYC
Card type
Prepaid
Debit
Custody
Non-custodial
Custodial
Conversion fee
4.2%
0.1%
ATM per transaction
Unlimited
$800
Network
visa
visa
IBAN
✗
✓
Apple Pay
✓
✗
Google Pay
✗
✗
Countries
41
41
Coins
USDT
BTC, USDC, USDT
Jam Card vs Xapo Card FAQ
On our composite score Jam Card edges ahead (6.3/10 vs 6/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.