XPlace Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	XPlace Card 3.5/5 self_custodialvisa	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	3.5/5	4.0/5
Fees
Monthly Fee	—	No annual fees for base tier
Issuance Fee	See card_tiers	See card_tiers - varies by tier and region
Rewards
Max Cashback	2%	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Non-custodial design preserves user control of private keys Earn DeFi yields while using crypto as collateral Zero foreign transaction fees across all tiers Real-time USDC cashback with no caps disclosed	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	Limited to Solana blockchain assets only High annual fees for premium tiers ($1K-$5K) ATM withdrawals not supported 2.5% origination fee for first credit line usage	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