Crypto.comCrypto.com Prepaid
57
Side-by-side card comparison
Crypto.com Prepaid vs XPlace: fees, rewards and account setup
XPlace Card has the higher Overall Score by 11 points (68 vs 57). XPlace Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Crypto.com Prepaid Card may still be the better personal fit.
Information checked Aug 27, 202640 official sources reviewed
01 · Make the first cut
XPlace Card is the better all-round starting point
XPlace Card has the higher Overall Score in this comparison. Crypto.com Prepaid Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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 Prepaid57XPlace68Higher score
CashbackCrypto.com Prepaid31XPlace49Higher score
TravelCrypto.com Prepaid57XPlace61Higher score
Funds controlCrypto.com Prepaid40XPlace67Higher score
Lowest feesCrypto.com Prepaid48XPlace69Higher score
TransfersCrypto.com Prepaid47XPlace62Higher score
Choose Crypto.com Prepaid Card if its day-to-day setup suits you
Crypto.com Prepaid Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Prepaid spend from a loaded balance
- Level Up tiers can raise CRO rewards
- Several card top-up paths
Choose XPlace Card if cashback and travel matter most
XPlace Card comes out ahead for Cashback, 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.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Crypto.com Prepaid57XPlace68
XPlace Card has the higher Overall Score by 11 points.
- Entry cost & FX
- Crypto.com Prepaid$0 plan · 0–3% FXXPlace$0 plan · 0–1% FX
XPlace Card has the lower published FX fee (0–1% vs 0–3%).
- Purchase rewards
- Crypto.com Prepaid0% base · up to 5%XPlace0.5% base · up to 4%
XPlace Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Crypto.com PrepaidCustodial balanceXPlaceHybrid custody
Crypto.com Prepaid Card uses a custodial balance setup, while XPlace Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Crypto.com PrepaidVirtual + Physical · Apple Pay, Google PayXPlaceVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Crypto.com Prepaid0 stablecoins · US card-to-card sendXPlace2 stablecoins · Stablecoin transfers
XPlace Card lists more stablecoins and ways to send money out (3 vs 1).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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
- 0.5%-4%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsCrypto.com Prepaid CardOverall57XPlace CardOverall68
Crypto.com Prepaid CardOverall57XPlace CardOverall68Scores
6 fields- Overall Score
- Crypto.com Prepaid Card57XPlace Card68
- Cashback score
- Crypto.com Prepaid Card31XPlace Card49
- Travel score
- Crypto.com Prepaid Card57XPlace Card61
- Funds control score
- Crypto.com Prepaid Card40XPlace Card67
- Lowest fees score
- Crypto.com Prepaid Card48XPlace Card69
- Transfers score
- Crypto.com Prepaid Card47XPlace Card62
Strengths & trade-offs
2 fields- Strengths
- Crypto.com Prepaid CardPrepaid spend from a loaded balance, Level Up tiers can raise CRO rewardsXPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published caps
- Trade-offs
- Crypto.com Prepaid CardFees vary by method, tier and region, Spending uses a Crypto.com prepaid balanceXPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layers
Costs
7 fields- Plan cost
- Crypto.com Prepaid Card$0XPlace Card$0
- FX fee
- Crypto.com Prepaid Card0–3%XPlace Card0–1%
- Top-up fee
- Crypto.com Prepaid Card2.99%XPlace CardProvider fee not published; external network or bridge costs may apply and are not card fees
- Card spending fee
- Crypto.com Prepaid CardNot disclosedXPlace Card0%
- ATM fee
- Crypto.com Prepaid Card0–2%XPlace CardNot available
- Virtual card
- Crypto.com Prepaid CardAvailable for online use; separate virtual-card fee not listedXPlace CardNot disclosed
- Physical card
- Crypto.com Prepaid CardUS first physical card: Midnight $4.99; Ruby $29.99; other listed US Visa cards $0XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.
Plans
2 fields- Available plans
- Crypto.com Prepaid Card5 plans: Basic, Plus, Pro, Private Icy/Rose +1XPlace Card4 plans: Basic, Silver, Gold, Platinum
- Top cashback plan
- Crypto.com Prepaid CardPrivate Obsidian: 5%XPlace CardPlatinum: 2%
Everyday use
8 fields- Network
- Crypto.com Prepaid CardVisa/MastercardXPlace CardVisa
- Card formats
- Crypto.com Prepaid CardVirtual, PhysicalXPlace CardVirtual, Physical
- ATM withdrawals
- Crypto.com Prepaid CardAvailableXPlace CardNot available
- Mobile wallets
- Crypto.com Prepaid CardApple Pay, Google PayXPlace CardApple Pay, Google Pay
- Apps
- Crypto.com Prepaid CardiOS, AndroidXPlace CardiOS, Android
- Daily spending limit
- Crypto.com Prepaid CardUS Midnight $10,000/day; US Ruby and higher $25,000/day; Europe EUR 25,000/dayXPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controls
- 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/yearXPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per month
- 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%XPlace CardNot available while only the virtual card is live
Funding & transfers
5 fields- Networks
- Crypto.com Prepaid CardNot disclosedXPlace CardSolana
- Crypto deposits
- Crypto.com Prepaid CardOther crypto: BTC, ETHXPlace CardStablecoins: USDC
- Fiat deposits
- Crypto.com Prepaid CardUS prepaid card top-up, EU / UK prepaid card top-upXPlace CardNot disclosed
- Transfers
- Crypto.com Prepaid CardUS card-to-card sendXPlace CardStablecoin transfers
- Payout currencies
- Crypto.com Prepaid CardNot disclosedXPlace CardNot disclosed
Rewards
3 fields- Base cashback
- Crypto.com Prepaid Card0%XPlace Card0.5%
- Max cashback
- Crypto.com Prepaid Card5%XPlace Card4%
- Reward currency
- Crypto.com Prepaid CardCRO rewardsXPlace CardUSDC
Earn
5 fields- Advertised APY
- Crypto.com Prepaid CardNot offeredXPlace CardUp to 6.15% APY
- How it works
- Crypto.com Prepaid CardNot offeredXPlace CardBorrow against collateral, Optional earn vault
- Separate deposit
- Crypto.com Prepaid CardNot offeredXPlace CardYes
- Use balance for spending
- Crypto.com Prepaid CardNot offeredXPlace CardNo
- Lock-up
- Crypto.com Prepaid CardNot offeredXPlace CardNo
Trust & availability
6 fields- Custody
- Crypto.com Prepaid CardCustodialXPlace CardHybrid custody
- Control until payment
- Crypto.com Prepaid CardProvider controls fundsXPlace CardProvider controls funds
- Card issuer
- Crypto.com Prepaid CardCommunity Federal Savings Bank, Foris MT Limited, ForisGFS UK Limited +2XPlace CardThird National
- Card processing
- Crypto.com Prepaid CardNot disclosedXPlace CardSignify Holdings, Inc. (Rain)
- Identity verification
- Crypto.com Prepaid CardNot disclosedXPlace CardSumsub
- Programme operator
- Crypto.com Prepaid CardCrypto.com, Foris, Inc.XPlace CardNot disclosed
Sources
2 fields- Official sources
- Crypto.com Prepaid Card14XPlace Card26
- Last reviewed
- Crypto.com Prepaid CardAug 14, 2026XPlace CardAug 27, 2026
04 · The takeaway
XPlace Card is the stronger all-round choice
XPlace Card finishes ahead with an Overall Score of 68 versus 57 for Crypto.com Prepaid Card. XPlace Card has the lower published FX fee (0–1% vs 0–3%). XPlace Card has the higher published base cashback rate (0.5% vs 0%).
Crypto.com Prepaid Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Crypto.com Prepaid Card uses a custodial balance setup, while XPlace Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
XPlace Card lists more stablecoins and ways to send money out (3 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 XPlace Card reviews first.
Continue with
Crypto.com Prepaid Card
Continue with
XPlace Card
05 · Common questions
Crypto.com Prepaid vs XPlace FAQ
Is Crypto.com Prepaid or XPlace better overall?
XPlace Card has the higher Overall Score (68 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 XPlace?
XPlace Card has the lower published FX fee (0–1% vs 0–3%). 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 XPlace?
XPlace Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Crypto.com Prepaid and XPlace differ on custody?
Crypto.com Prepaid Card uses a custodial balance setup, while XPlace Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Crypto.com Prepaid vs XPlace comparison?
The latest information check for these two cards was August 27, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.