Xapo Bank Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	Xapo Bank Card 3.0/5 self_custodialboth	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	3.0/5	4.0/5
Fees
Monthly Fee	—	No annual fees for base tier
Issuance Fee	$0 for metal card (current members)	See card_tiers - varies by tier and region
Rewards
Max Cashback	1%	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Zero foreign exchange fees make it ideal for international use Up to 1.0% Bitcoin cashback on eligible purchases Competitive interest rates on both USD and Bitcoin balances, paid daily in BTC Military-grade security with institutional custody	Generous CRO cashback rates (up to 8% on everyday spending for Prime tier) Travel rewards program offering up to 15% back on travel spending No annual fees for base tier Subscription rebates for popular services (Spotify, Netflix, Truth+)
Cons	High annual membership fee ($1,000) prices out casual users Not available to US residents and US passport holders Fully custodial model means users don't control their private keys Limited free ATM withdrawals ($100/month)	Substantial CRO token staking requirements for higher tiers (12-month lockup) Exposure to cryptocurrency volatility through staking model Rewards programs have been reduced over time Prepaid product requiring active top-up before spending