BinanceBinance
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Side-by-side card comparison
Binance vs Xapo: overall score versus use-case fit
Xapo Card has the higher Overall Score by 12 points (70 vs 58). Binance Card looks stronger for Cashback, while Xapo Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Sep 1, 202633 official sources reviewed
01 · Overall score versus use-case fit
Xapo Card is the better all-round starting point
Xapo Card has the higher Overall Score in this comparison. Binance Card may be the better fit for Cashback. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallBinance58Xapo70Higher score
CashbackBinance37Xapo24Higher score
TravelBinance36Xapo91Higher score
Funds controlBinance47Xapo63Higher score
Lowest feesBinance56Xapo77Higher score
TransfersBinance75Xapo100Higher score
Choose Binance Card if cashback matters most
Binance Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend supported Binance crypto balances
- Google Pay support
- Cashback can rise by tier
Choose Xapo Card if travel and funds control matter most
Xapo Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No Xapo FX markup
- Account-backed bank and crypto rails
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Binance58Xapo70
Xapo Card has the higher Overall Score by 12 points.
- Entry cost & FX
- Binance$0 plan · 2–3% FXXapo$1,000/year plan · 0–0.29% FX
Binance Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Binance1.5% base · up to 3%Xapo0% base · up to 3%
Binance Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- BinanceCustodial balanceXapoCustodial balance
Binance Card and Xapo Card use the same custodial balance setup.
- Everyday access
- BinanceVirtual · Google PayXapoVirtual + Physical · Unknown
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Binance3 stablecoins · Stablecoin transfers; Binance account fiat withdrawalXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 vs 5).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 2–3%
- ATM fee
- Not disclosed
- Card formats
- Virtual
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 0%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 fiat
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03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsBinance CardOverall58Xapo CardOverall70
Binance CardOverall58Xapo CardOverall70Scores
6 fields- Overall Score
- Binance Card58Xapo Card70
- Cashback score
- Binance Card37Xapo Card24
- Travel score
- Binance Card36Xapo Card91
- Funds control score
- Binance Card47Xapo Card63
- Lowest fees score
- Binance Card56Xapo Card77
- Transfers score
- Binance Card75Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Binance CardSpend supported Binance crypto balances, Google Pay supportXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Binance CardSpending follows the Binance account model, Virtual-only cardXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Binance Card$0Xapo Card$1,000/year
- FX fee
- Binance Card2–3%Xapo Card0–0.29%
- Top-up fee
- Binance CardNot disclosedXapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Binance CardNot disclosedXapo Card0%
- ATM fee
- Binance CardNot disclosedXapo Card0–2%
- Virtual card
- Binance CardVirtual card up to 15 minutes after approval; 0 USD issuance feeXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Binance CardGlobal Program virtual-only; Brazil physical card is a separate regional branchXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Binance Card3 plans: Tier 1, Tier 2, Tier 3Xapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Binance CardTier 3: 3%Xapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Binance CardMastercardXapo CardVisa/Mastercard
- Card formats
- Binance CardVirtualXapo CardVirtual, Physical
- ATM withdrawals
- Binance CardNot disclosedXapo CardAvailable
- Mobile wallets
- Binance CardGoogle PayXapo CardNot disclosed
- Apps
- Binance CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- Binance CardShown in appXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Binance CardShown in appXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Binance CardNot disclosedXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Binance CardNot disclosedXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Binance CardOther crypto: Supported cryptoXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Binance CardBinance account bank depositXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Binance CardStablecoin transfers; Binance account fiat withdrawalXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Binance CardNot disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Binance Card1.5%Xapo Card0%
- Max cashback
- Binance Card3%Xapo Card3%
- Reward currency
- Binance CardUSDC or BTC equivalent cashback (country-dependent)Xapo CardBTC
Earn
5 fields- Advertised APY
- Binance CardNot offeredXapo CardUp to 3.35% APY
- How it works
- Binance CardNot offeredXapo CardEarn on spending balance
- Separate deposit
- Binance CardNot offeredXapo CardNo
- Use balance for spending
- Binance CardNot offeredXapo CardYes
- Lock-up
- Binance CardNot offeredXapo CardNo
Trust & availability
4 fields- Custody
- Binance CardCustodialXapo CardCustodial
- Control until payment
- Binance CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- Binance CardImmersve LimitedXapo CardTransact Payments Malta Limited
- Bank transfers
- Binance CardNot disclosedXapo CardXapo Bank Limited
Sources
2 fields- Official sources
- Binance Card12Xapo Card21
- Last reviewed
- Binance CardAug 5, 2026Xapo CardSep 1, 2026
04 · The trade-off
Xapo Card is the stronger all-round choice
Xapo Card finishes ahead with an Overall Score of 70 versus 58 for Binance Card. Binance Card has the lower starting plan cost ($0 vs $1,000/year). Binance Card has the higher published base cashback rate (1.5% vs 0%).
Binance Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Binance Card and Xapo Card use the same custodial balance setup.
Xapo Card lists more stablecoins and ways to send money out (8 vs 5). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Binance Card and Xapo Card reviews first.
Continue with
Binance Card
Continue with
Xapo Card
05 · Common questions
Binance vs Xapo FAQ
Is Binance or Xapo better overall?
Xapo Card has the higher Overall Score (70 vs 58). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Binance or Xapo?
Binance Card has the lower starting plan cost ($0 vs $1,000/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Binance or Xapo?
Binance Card has the higher published base cashback rate (1.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Binance and Xapo differ on custody?
Binance Card and Xapo Card use the same custodial balance setup.
How current is this Binance vs Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.