No FXVisa / MC
- Cashback
- 0%-3%
- Plan cost
- $1,000/year
- Custody
- Custodial
- Network
- Visa/Mastercard
Card comparison
Compare cards, side by side
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.
01 · Build the comparison
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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.
High cashbackNo CEX
- Cashback
- 2%-4%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Visa
Visa / MCNo CEX
- Cashback
- 0.5%-1.8%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Visa/Mastercard
Metal cardNo CEX
- Cashback
- 0.5%-1%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Mastercard
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03 · Compare the evidence
Scan every difference, row by row
Best markers compare known numeric values only. A missing or unverified field stays explicit and never wins a row.
Best known Not disclosed
Cards
Xapo CardOverall70
Jupiter CardOverall84
Brighty CardOverall70
Holyheld CardOverall75
Xapo CardOverall70Jupiter CardOverall84Brighty CardOverall70Holyheld CardOverall75- Special offer
- Xapo CardNo active offerJupiter CardGet $20$20 after qualifying Jupiter Card spendBrighty CardNo active offerHolyheld CardNo active offer
Scores
6 fields- Overall Score
- Xapo Card70Jupiter Card84Brighty Card70Holyheld Card75
- Cashback score
- Xapo Card24Jupiter Card88Brighty Card48Holyheld Card64
- Travel score
- Xapo Card91Jupiter Card75Brighty Card80Holyheld Card68
- Funds control score
- Xapo Card64Jupiter Card64Brighty Card65Holyheld Card74
- Lowest fees score
- Xapo Card78Jupiter Card80Brighty Card67Holyheld Card67
- Transfers score
- Xapo Card100Jupiter Card93Brighty Card93Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- Xapo CardNo Xapo FX markup, Account-backed bank and crypto railsJupiter Card2% base cashback in USDC, No annual or USD spend feeBrighty CardFree entry plan, USDC cashbackHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- Xapo Card$1,000 annual membership, Cashback is temporary and capped ambiguouslyJupiter Card4% requires fresh referrals, FX depends on your issuerBrighty CardNetwork-specific FX gap, Physical terms varyHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- Xapo Card$1,000/yearJupiter Card$0Brighty Card$0Holyheld Card$0
- FX fee
- Xapo Card0–0.29%Jupiter Card1–1.8%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sourcesHolyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- Xapo CardNo direct card top-up; the Xapo Account balance funds card spendingJupiter CardNo Jupiter deposit fee. External GUM bridge: max($0.30, 0.02%) for stablecoins from other networks; non-stablecoin routes add bridge and swap costs. Source-network gas is separateBrighty Card0.3–0.7%Holyheld Card0%
- Card spending fee
- Xapo Card0%Jupiter Card0%Brighty CardNot disclosedHolyheld Card€0.50
- ATM fee
- Xapo Card0–2%Jupiter CardNot availableBrighty CardNot disclosedHolyheld CardUp to EUR 2 + 2.5%
- Virtual card
- Xapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosedJupiter CardNot disclosedBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolvedHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- Xapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosedJupiter Card$13.13 plus destination-dependent shippingBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue priceHolyheld CardClassic: EUR 29; Metal: EUR 199
Plans
2 fields- Available plans
- Xapo Card1 plans: Xapo Bank membershipJupiter CardNot disclosedBrighty Card3 plans: One, Plus, ProHolyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- Xapo CardXapo Bank membership: 0%Jupiter CardNot disclosedBrighty CardOne: 0.5%Holyheld CardMetal: 1%
Everyday use
8 fields- Network
- Xapo CardVisa/MastercardJupiter CardVisaBrighty CardVisa/MastercardHolyheld CardMastercard
- Card formats
- Xapo CardVirtual, PhysicalJupiter CardVirtual, PhysicalBrighty CardVirtual, PhysicalHolyheld CardVirtual, Physical
- ATM withdrawals
- Xapo CardAvailableJupiter CardNot disclosedBrighty CardAvailableHolyheld CardAvailable
- Mobile wallets
- Xapo CardNot disclosedJupiter CardApple Pay, Google PayBrighty CardApple PayHolyheld CardApple Pay, Google Pay
- Apps
- Xapo CardiOS, AndroidJupiter CardiOS, AndroidBrighty CardiOS, AndroidHolyheld CardiOS, Android, Web
- Daily spending limit
- Xapo Card$50,000 daily for point-of-sale and online purchasesJupiter CardDCS: $50,000/day; Rain: no disclosed daily limitBrighty CardPublished period is ambiguous: virtual Visa €15k on One/Plus/Pro; virtual Mastercard €50k / €75k / €100k on One / Plus / ProHolyheld CardEUR 10,000 daily
- Monthly spending limit
- Xapo Card$250,000 monthly under the Visa Europe programmeJupiter CardMonthly limit not disclosed; DCS lists $990,000/year and Rain no disclosed annual limitBrighty CardPublished period is ambiguous: physical Visa €15k on both Plus and ProHolyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- Xapo Card$2,000 daily; Visa Europe also lists $15,000 monthlyJupiter CardRegion-dependent; no reusable public ATM limitBrighty CardATM withdrawal limits are not published; only physical Visa fees are knownHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
5 fields- Networks
- Xapo CardBitcoin, Lightning, Ethereum, Tron, SolanaJupiter CardSolana, Sui, Arbitrum, Base, EthereumBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- Xapo CardStablecoins: USDC, USDT; Other crypto: BTCJupiter CardStablecoins: USDC, USDTBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETHHolyheld CardStablecoins: USDC, USDT
- Fiat deposits
- Xapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receiveJupiter CardUSD virtual account receive, EUR virtual account receiveBrighty CardSEPA / Faster Payments, SWIFTHolyheld CardPersonal EUR IBAN
- Transfers
- Xapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payoutJupiter CardStablecoin transfers; Noah local and SWIFT payoutsBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- Xapo CardUSD, GBP, EURJupiter CardAED, BRL, CAD, EUR, GBP, IDR, INR, MYR +7Brighty CardEUR, GBP, USD, AEDHolyheld CardEUR
Rewards
3 fields- Base cashback
- Xapo Card0%Jupiter Card2%Brighty Card0.5%Holyheld Card0.5%
- Max cashback
- Xapo Card3%Jupiter Card4%Brighty Card1.8%Holyheld Card1%
- Reward currency
- Xapo CardBTCJupiter CardUSDCBrighty CardUSDCHolyheld CardUSDC
Earn
5 fields- Advertised APY
- Xapo CardUp to 3.35% APYJupiter CardNot disclosedBrighty CardNot disclosedHolyheld CardNot disclosed
- How it works
- Xapo CardEarn on spending balanceJupiter CardOptional earn vaultBrighty CardEarn on spending balanceHolyheld CardOptional earn vault
- Separate deposit
- Xapo CardNoJupiter CardYesBrighty CardNoHolyheld CardYes
- Use balance for spending
- Xapo CardYesJupiter CardNoBrighty CardYesHolyheld CardNot disclosed
- Lock-up
- Xapo CardNoJupiter CardNoBrighty CardNoHolyheld CardNo
Trust & availability
8 fields- Custody
- Xapo CardCustodialJupiter CardCustodialBrighty CardCustodialHolyheld CardHybrid custody
- Control until payment
- Xapo CardProvider controls fundsJupiter CardProvider controls fundsBrighty CardProvider controls fundsHolyheld CardProvider controls funds
- Card issuer
- Xapo CardTransact Payments Malta LimitedJupiter CardRain, DCSBrighty CardWallester ASHolyheld CardUnlimit EU Ltd
- Custody / key management
- Xapo CardNot disclosedJupiter CardNot disclosedBrighty CardFireblocksHolyheld CardNot disclosed
- Deposits & withdrawals
- Xapo CardNot disclosedJupiter CardNoahBrighty CardNot disclosedHolyheld CardNot disclosed
- Bank transfers
- Xapo CardXapo Bank LimitedJupiter CardNot disclosedBrighty CardNot disclosedHolyheld CardNot disclosed
- Identity verification
- Xapo CardNot disclosedJupiter CardSumsubBrighty CardSumsubHolyheld CardSumsub / Idenfy
- Programme operator
- Xapo CardNot disclosedJupiter CardNot disclosedBrighty CardBTY Digital AGHolyheld CardHolyheld Labs AG
Sources
2 fields- Official sources
- Xapo Card21Jupiter Card28Brighty Card25Holyheld Card28
- Last reviewed
- Xapo CardSep 1, 2026Jupiter CardOct 14, 2026Brighty CardOct 6, 2026Holyheld CardSep 9, 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.