Xapo Bank Card vs Ether.Fi Cash Card

Side-by-side comparison of 2 crypto debit cards

	Xapo Bank Card 3.0/5 self_custodialboth	Ether.Fi Cash Card 4.5/5 self_custodialvisa
Rating
Overall	3.0/5	4.5/5
Fees
Monthly Fee	—	Free (all tiers)
Issuance Fee	$0 for metal card (current members)	See card_tiers
Rewards
Max Cashback	1%	Up to 3% (Core/Luxe/Pinnacle) or up to 4% (VIP) - progressive structure based on monthly spend
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	Non-custodial design preserves user sovereignty over crypto assets Free Club membership with tier progression through loyalty points Progressive cashback rates up to 4% paid in wETH Continues earning yield on collateral while borrowing against it
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)	Geographic restrictions limit availability Market volatility could lead to liquidation of collateral Full KYC requirements may deter privacy-focused users Progressive cashback rates decrease with higher monthly spending