Bitget WalletBitget Wallet
69
Side-by-side card comparison
Bitget Wallet vs Xapo: overall score versus use-case fit
Xapo Card has the higher Overall Score by 1 point (70 vs 69). Bitget Wallet Card looks stronger for Cashback and Funds control, while Xapo Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Sep 1, 202668 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. Bitget Wallet Card may be the better fit for Cashback and Funds control. 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.
OverallBitget Wallet69Xapo70Higher score
CashbackBitget Wallet66Xapo24Higher score
TravelBitget Wallet44Xapo91Higher score
Funds controlBitget Wallet64Xapo63Higher score
Lowest feesBitget Wallet45Xapo77Higher score
TransfersBitget Wallet56Xapo100Higher score
Choose Bitget Wallet Card if cashback and funds control matter most
Bitget Wallet Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Current 2%-3% Assetback
- Several crypto funding assets
- Live APAC physical card
Choose Xapo Card if travel and lowest fees matter most
Xapo Card comes out ahead for Travel, 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
- Bitget Wallet69Xapo70
Xapo Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Bitget WalletNot verified plan · 1.7% in reviewed APAC and Immersve routes; other regional rates unknown FXXapo$1,000/year plan · 0–0.29% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Bitget Wallet2% base · up to 3%Xapo0% base · up to 3%
Bitget Wallet Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- Bitget WalletHybrid custodyXapoCustodial balance
Bitget Wallet Card uses a hybrid custody setup, while Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Bitget WalletVirtual + Physical · Google PayXapoVirtual + Physical · Unknown
Bitget Wallet Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Bitget Wallet2 stablecoins · Regional card-balance return, Support-assisted balance recoveryXapo2 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 4).
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
- 2%-3%
- Plan cost
- Not disclosed
- FX fee
- 1.7% in reviewed APAC and Immersve routes; other regional rates unknown
- ATM fee
- APAC physical: higher of 1% or $5 plus operator fee; other routes vary or do not support ATM
- Card formats
- Virtual, Physical
- Wallet payments
- Google Pay
- Receive methods
- 4 crypto · 0 fiat
- Payout methods
- 0 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
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Bitget Wallet Card
Up to $20
Up to $20 for invited Bitget Wallet users
- Bind this promo code in Bitget Wallet.
Bitget Wallet Card promo codeRwG3wJg6
The exact reward and qualification conditions are not shown in the approved screenshot. Offer terms can change; check the current Bitget Wallet referral flow before signing up.
Xapo Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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
CardsBitget Wallet CardOverall69Xapo CardOverall70
Bitget Wallet CardOverall69Xapo CardOverall70Scores
6 fields- Overall Score
- Bitget Wallet Card69Xapo Card70
- Cashback score
- Bitget Wallet Card66Xapo Card24
- Travel score
- Bitget Wallet Card44Xapo Card91
- Funds control score
- Bitget Wallet Card64Xapo Card63
- Lowest fees score
- Bitget Wallet Card45Xapo Card77
- Transfers score
- Bitget Wallet Card56Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Bitget Wallet CardCurrent 2%-3% Assetback, Several crypto funding assetsXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Bitget Wallet CardRegional programmes differ materially, Assetback spend cap unclearXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Bitget Wallet CardNot disclosedXapo Card$1,000/year
- FX fee
- Bitget Wallet Card1.7% in reviewed APAC and Immersve routes; other regional rates unknownXapo Card0–0.29%
- Top-up fee
- Bitget Wallet Card0% in reviewed APAC, Immersve and Pakistan base schedules; Reap/Express variable rates unknownXapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Bitget Wallet CardNot disclosedXapo Card0%
- ATM fee
- Bitget Wallet CardAPAC physical: higher of 1% or $5 plus operator fee; other routes vary or do not support ATMXapo Card0–2%
- Virtual card
- Bitget Wallet CardFree in APAC and Pakistan; Immersve activation is 0.1 USDC within 72h or 10 USDC later; other routes varyXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Bitget Wallet Card$49 in APAC; other regions unavailable or unclearXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Bitget Wallet CardNot disclosedXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Bitget Wallet CardNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Bitget Wallet CardVisa/MastercardXapo CardVisa/Mastercard
- Card formats
- Bitget Wallet CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- Bitget Wallet CardNot disclosedXapo CardAvailable
- Mobile wallets
- Bitget Wallet CardGoogle PayXapo CardNot disclosed
- Apps
- Bitget Wallet CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- Bitget Wallet CardRegional: APAC $50,000; Europe/Africa/LATAM $5,000; Pakistan $20,000; other routes undisclosedXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Bitget Wallet CardNot published as one global or regional monthly scheduleXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Bitget Wallet CardAPAC physical: $3,000 per withdrawal, $10,000/day and $100,000/month; other routes unavailableXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Bitget Wallet CardBNB Chain, Ethereum, BaseXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Bitget Wallet CardStablecoins: USDC, USDT; Other crypto: ETH, SOLXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Bitget Wallet CardNot disclosedXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Bitget Wallet CardRegional card-balance return, Support-assisted balance recoveryXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Bitget Wallet CardNot disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Bitget Wallet Card2%Xapo Card0%
- Max cashback
- Bitget Wallet Card3%Xapo Card3%
- Reward currency
- Bitget Wallet CardSelected Assetback assetXapo CardBTC
Earn
5 fields- Advertised APY
- Bitget Wallet CardNot offeredXapo CardUp to 3.35% APY
- How it works
- Bitget Wallet CardNot offeredXapo CardEarn on spending balance
- Separate deposit
- Bitget Wallet CardNot offeredXapo CardNo
- Use balance for spending
- Bitget Wallet CardNot offeredXapo CardYes
- Lock-up
- Bitget Wallet CardNot offeredXapo CardNo
Trust & availability
5 fields- Custody
- Bitget Wallet CardHybrid custodyXapo CardCustodial
- Control until payment
- Bitget Wallet CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- Bitget Wallet CardDCS Card Centre, Monavate, Fiat24Xapo CardTransact Payments Malta Limited
- Bank transfers
- Bitget Wallet CardNot disclosedXapo CardXapo Bank Limited
- Programme operator
- Bitget Wallet CardBTG Technology Holdings LimitedXapo CardNot disclosed
Sources
2 fields- Official sources
- Bitget Wallet Card47Xapo Card21
- Last reviewed
- Bitget Wallet CardAug 28, 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 69 for Bitget Wallet Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Bitget Wallet Card has the higher published base cashback rate (2% vs 0%).
Bitget Wallet Card still comes out ahead for Cashback and Funds control, which may matter more than the overall result if that is how you plan to use the card. Bitget Wallet Card uses a hybrid custody setup, while Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Xapo Card lists more stablecoins and ways to send money out (8 vs 4). 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 Bitget Wallet Card and Xapo Card reviews first.
Continue with
Bitget Wallet Card
Continue with
Xapo Card
05 · Common questions
Bitget Wallet vs Xapo FAQ
Is Bitget Wallet or Xapo better overall?
Xapo Card has the higher Overall Score (70 vs 69). 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, Bitget Wallet or Xapo?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Bitget Wallet or Xapo?
Bitget Wallet Card has the higher published base cashback rate (2% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Bitget Wallet and Xapo differ on custody?
Bitget Wallet Card uses a hybrid custody setup, while Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Bitget Wallet vs Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 68 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.