Crypto.comCrypto.com Prepaid
57
Side-by-side card comparison
Crypto.com Prepaid vs Xapo: overall score versus use-case fit
Xapo Card has the higher Overall Score by 13 points (70 vs 57). Crypto.com Prepaid Card looks stronger for Cashback, while Xapo Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Sep 1, 202635 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. Crypto.com Prepaid 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.
OverallCrypto.com Prepaid57Xapo70Higher score
CashbackCrypto.com Prepaid31Xapo24Higher score
TravelCrypto.com Prepaid57Xapo91Higher score
Funds controlCrypto.com Prepaid40Xapo63Higher score
Lowest feesCrypto.com Prepaid48Xapo77Higher score
TransfersCrypto.com Prepaid47Xapo100Higher score
Choose Crypto.com Prepaid Card if cashback matters most
Crypto.com Prepaid 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.
- Prepaid spend from a loaded balance
- Level Up tiers can raise CRO rewards
- Several card top-up paths
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
- Crypto.com Prepaid57Xapo70
Xapo Card has the higher Overall Score by 13 points.
- Entry cost & FX
- Crypto.com Prepaid$0 plan · 0–3% FXXapo$1,000/year plan · 0–0.29% FX
Crypto.com Prepaid Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Crypto.com Prepaid0% base · up to 5%Xapo0% base · up to 3%
Both cards show the same base cashback rate of 0%.
- Funds control
- Crypto.com PrepaidCustodial balanceXapoCustodial balance
Crypto.com Prepaid Card and Xapo Card use the same custodial balance setup.
- Everyday access
- Crypto.com PrepaidVirtual + Physical · Apple Pay, Google PayXapoVirtual + Physical · Unknown
Crypto.com Prepaid Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Crypto.com Prepaid0 stablecoins · US card-to-card sendXapo2 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 1).
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
- 0%-5%
- Plan cost
- $0
- FX fee
- 0–3%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 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
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
CardsCrypto.com Prepaid CardOverall57Xapo CardOverall70
Crypto.com Prepaid CardOverall57Xapo CardOverall70Scores
6 fields- Overall Score
- Crypto.com Prepaid Card57Xapo Card70
- Cashback score
- Crypto.com Prepaid Card31Xapo Card24
- Travel score
- Crypto.com Prepaid Card57Xapo Card91
- Funds control score
- Crypto.com Prepaid Card40Xapo Card63
- Lowest fees score
- Crypto.com Prepaid Card48Xapo Card77
- Transfers score
- Crypto.com Prepaid Card47Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Crypto.com Prepaid CardPrepaid spend from a loaded balance, Level Up tiers can raise CRO rewardsXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Crypto.com Prepaid CardFees vary by method, tier and region, Spending uses a Crypto.com prepaid balanceXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Crypto.com Prepaid Card$0Xapo Card$1,000/year
- FX fee
- Crypto.com Prepaid Card0–3%Xapo Card0–0.29%
- Top-up fee
- Crypto.com Prepaid Card2.99%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Crypto.com Prepaid CardNot disclosedXapo Card0%
- ATM fee
- Crypto.com Prepaid Card0–2%Xapo Card0–2%
- Virtual card
- Crypto.com Prepaid CardAvailable for online use; separate virtual-card fee not listedXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Crypto.com Prepaid CardUS first physical card: Midnight $4.99; Ruby $29.99; other listed US Visa cards $0Xapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Crypto.com Prepaid Card5 plans: Basic, Plus, Pro, Private Icy/Rose +1Xapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Crypto.com Prepaid CardPrivate Obsidian: 5%Xapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Crypto.com Prepaid CardVisa/MastercardXapo CardVisa/Mastercard
- Card formats
- Crypto.com Prepaid CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- Crypto.com Prepaid CardAvailableXapo CardAvailable
- Mobile wallets
- Crypto.com Prepaid CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Crypto.com Prepaid CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- Crypto.com Prepaid CardUS Midnight $10,000/day; US Ruby and higher $25,000/day; Europe EUR 25,000/dayXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Crypto.com Prepaid CardUS Midnight $15,000/month; US Ruby and higher $25,000/month; Europe EUR 25,000/month; Europe EUR 250,000/yearXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Crypto.com Prepaid CardMonthly free ATM allowance by tier: midnight $200; ruby $400; jade Royal $800; icy Rose Obsidian $1,000; then 2%Xapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Crypto.com Prepaid CardNot disclosedXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Crypto.com Prepaid CardOther crypto: BTC, ETHXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Crypto.com Prepaid CardUS prepaid card top-up, EU / UK prepaid card top-upXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Crypto.com Prepaid CardUS card-to-card sendXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Crypto.com Prepaid CardNot disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Crypto.com Prepaid Card0%Xapo Card0%
- Max cashback
- Crypto.com Prepaid Card5%Xapo Card3%
- Reward currency
- Crypto.com Prepaid CardCRO rewardsXapo CardBTC
Earn
5 fields- Advertised APY
- Crypto.com Prepaid CardNot offeredXapo CardUp to 3.35% APY
- How it works
- Crypto.com Prepaid CardNot offeredXapo CardEarn on spending balance
- Separate deposit
- Crypto.com Prepaid CardNot offeredXapo CardNo
- Use balance for spending
- Crypto.com Prepaid CardNot offeredXapo CardYes
- Lock-up
- Crypto.com Prepaid CardNot offeredXapo CardNo
Trust & availability
5 fields- Custody
- Crypto.com Prepaid CardCustodialXapo CardCustodial
- Control until payment
- Crypto.com Prepaid CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- Crypto.com Prepaid CardCommunity Federal Savings Bank, Foris MT Limited, ForisGFS UK Limited +2Xapo CardTransact Payments Malta Limited
- Bank transfers
- Crypto.com Prepaid CardNot disclosedXapo CardXapo Bank Limited
- Programme operator
- Crypto.com Prepaid CardCrypto.com, Foris, Inc.Xapo CardNot disclosed
Sources
2 fields- Official sources
- Crypto.com Prepaid Card14Xapo Card21
- Last reviewed
- Crypto.com Prepaid CardAug 14, 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 57 for Crypto.com Prepaid Card. Crypto.com Prepaid Card has the lower starting plan cost ($0 vs $1,000/year). Both cards show the same base cashback rate of 0%.
Crypto.com Prepaid 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. Crypto.com Prepaid Card and Xapo Card use the same custodial balance setup.
Xapo Card lists more stablecoins and ways to send money out (8 vs 1). 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 Crypto.com Prepaid Card and Xapo Card reviews first.
Continue with
Crypto.com Prepaid Card
Continue with
Xapo Card
05 · Common questions
Crypto.com Prepaid vs Xapo FAQ
Is Crypto.com Prepaid or Xapo better overall?
Xapo Card has the higher Overall Score (70 vs 57). 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, Crypto.com Prepaid or Xapo?
Crypto.com Prepaid 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, Crypto.com Prepaid or Xapo?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Crypto.com Prepaid and Xapo differ on custody?
Crypto.com Prepaid Card and Xapo Card use the same custodial balance setup.
How current is this Crypto.com Prepaid vs Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.