No FXVisa / MCMetal cardNo CEX
- Cashback
- 0%-3%
- Plan cost
- $1,000/year
- Custody
- Custodial
- Network
- Visa/Mastercard
Card comparison
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Compare fees, rewards, everyday use, money movement and custody from the same reviewed profiles used across the catalog. Missing data stays visible instead of becoming an advantage.
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02 · Read the shortlist
Start with scores and key trade-offs
Each summary uses the same profile and Overall Score as the catalog. Open a score to see its seven fixed category ratings.
Metal cardNo CEXClear feesTiered rewards
- Cashback
- 1.5%-3%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Visa
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03 · Compare the evidence
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Best known Not disclosed
Cards
Xapo CardOverall70
KAST CardOverall84
Xapo CardOverall70KAST CardOverall84- Special offer
- Xapo CardNo active offerKAST Card20% off20% off your first subscription
Scores
6 fields- Overall Score
- Xapo Card70KAST Card84
- Cashback score
- Xapo Card24KAST Card75
- Travel score
- Xapo Card91KAST Card93
- Funds control score
- Xapo Card63KAST Card71
- Lowest fees score
- Xapo Card77KAST Card82
- Transfers score
- Xapo Card100KAST Card100
Strengths & trade-offs
2 fields- Strengths
- Xapo CardNo Xapo FX markup, Account-backed bank and crypto railsKAST CardTransfers span crypto, Tag and bank payouts, Physical, virtual and phone-wallet card access
- Trade-offs
- Xapo Card$1,000 annual membership, Cashback is temporary and capped ambiguouslyKAST CardNon-USD FX can exceed entry cashback, ATM use adds two charges
Costs
7 fields- Plan cost
- Xapo Card$1,000/yearKAST Card$0
- FX fee
- Xapo Card0–0.29%KAST Card0.5–1.75%
- Top-up fee
- Xapo CardNo direct card top-up; the Xapo Account balance funds card spendingKAST Card0%
- Card spending fee
- Xapo Card0%KAST Card0%
- ATM fee
- Xapo Card0–2%KAST Card$3 + 2%
- Virtual card
- Xapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosedKAST CardFree first two
- Physical card
- Xapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosedKAST CardFree; $40 shipping
Plans
2 fields- Available plans
- Xapo Card1 plans: Xapo Bank membershipKAST Card3 plans: Standard, Premium, Private
- Top cashback plan
- Xapo CardXapo Bank membership: 0%KAST CardPrivate: 3%
Everyday use
8 fields- Network
- Xapo CardVisa/MastercardKAST CardVisa
- Card formats
- Xapo CardVirtual, PhysicalKAST CardVirtual, Physical
- ATM withdrawals
- Xapo CardAvailableKAST CardAvailable
- Mobile wallets
- Xapo CardNot disclosedKAST CardApple Pay, Google Pay
- Apps
- Xapo CardiOS, AndroidKAST CardiOS, Android
- Daily spending limit
- Xapo Card$50,000 daily for point-of-sale and online purchasesKAST CardNo cap
- Monthly spending limit
- Xapo Card$250,000 monthly under the Visa Europe programmeKAST CardNo cap
- ATM limit
- Xapo Card$2,000 daily; Visa Europe also lists $15,000 monthlyKAST CardLimits shown in app
Funding & transfers
5 fields- Networks
- Xapo CardBitcoin, Lightning, Ethereum, Tron, SolanaKAST CardSolana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum +7
- Crypto deposits
- Xapo CardStablecoins: USDC, USDT; Other crypto: BTCKAST CardStablecoins: USDT, USDC, USDe, PYUSD, RLUSD; Other crypto: BTC, ETH, SOL, XRP, AAVE +22
- Fiat deposits
- Xapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receiveKAST CardUSD bank transfer, EU bank transfer, BRL PIX deposit, MXN SPEI deposit +2
- Transfers
- Xapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payoutKAST CardStablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payouts
- Payout currencies
- Xapo CardUSD, GBP, EURKAST CardUSD, EUR, AED, SAR, JPY, INR, PHP, THB +4
Rewards
3 fields- Base cashback
- Xapo Card0%KAST Card1.5%
- Max cashback
- Xapo Card3%KAST Card3%
- Reward currency
- Xapo CardBTCKAST CardUSD cashback
Earn
5 fields- Advertised APY
- Xapo CardUp to 3.35% APYKAST CardUp to 7% APY
- How it works
- Xapo CardEarn on spending balanceKAST CardOptional earn vault
- Separate deposit
- Xapo CardNoKAST CardYes
- Use balance for spending
- Xapo CardYesKAST CardNo
- Lock-up
- Xapo CardNoKAST CardNo
Trust & availability
7 fields- Custody
- Xapo CardCustodialKAST CardCustodial
- Control until payment
- Xapo CardProvider controls fundsKAST CardProvider controls funds
- Card issuer
- Xapo CardTransact Payments Malta LimitedKAST CardThird National
- Card processing
- Xapo CardNot disclosedKAST CardTazapay
- Custody / key management
- Xapo CardNot disclosedKAST CardBitGo
- Bank transfers
- Xapo CardXapo Bank LimitedKAST CardNot disclosed
- Programme operator
- Xapo CardNot disclosedKAST CardTroia Corp
Sources
2 fields- Official sources
- Xapo Card21KAST Card20
- Last reviewed
- Xapo CardSep 1, 2026KAST CardAug 31, 2026
Use the comparison
Choose the trade-offs you can live with
Scores create a useful starting point. The guides explain the money flow, costs and reward conditions behind the rows.