FassetFasset
53
Side-by-side card comparison
Fasset vs Xapo: fees, rewards and account setup
Xapo Card has the higher Overall Score by 17 points (70 vs 53). Xapo Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Fasset Card may still be the better personal fit.
Information checked Sep 1, 202630 official sources reviewed
01 · Make the first cut
Xapo Card is the better all-round starting point
Xapo Card has the higher Overall Score in this comparison. Fasset 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.
OverallFasset53Xapo70Higher score
CashbackFasset19Xapo24Higher score
TravelFasset30Xapo91Higher score
Funds controlFasset45Xapo63Higher score
Lowest feesFasset51Xapo77Higher score
TransfersFasset50Xapo100Higher score
Choose Fasset Card if its day-to-day setup suits you
Fasset 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.
- Clear internal USDT funding flow
- Broad phone-wallet support
- Complete card-country list
Choose Xapo Card if cashback and travel matter most
Xapo 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.
- No Xapo FX markup
- Account-backed bank and crypto rails
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
- Fasset53Xapo70
Xapo Card has the higher Overall Score by 17 points.
- Entry cost & FX
- FassetNot disclosed plan · 3% non-USD FX; up to 3% cross-border may also apply FXXapo$1,000/year plan · 0–0.29% FX
Xapo Card has the lower published FX fee (0–0.29% vs 3% non-USD FX; up to 3% cross-border may also apply).
- Purchase rewards
- FassetNot disclosedXapo0% base · up to 3%
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- FassetCustodial balanceXapoCustodial balance
Fasset Card and Xapo Card use the same custodial balance setup.
- Everyday access
- FassetVirtual · Apple Pay, Google PayXapoVirtual + Physical · Unknown
Fasset Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Fasset1 stablecoin · Card balance back to Fasset WalletXapo2 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 2).
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
- Not disclosed
- Plan cost
- Not disclosed
- FX fee
- 3% non-USD FX; up to 3% cross-border may also apply
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 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
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
CardsFasset CardOverall53Xapo CardOverall70
Fasset CardOverall53Xapo CardOverall70Scores
6 fields- Overall Score
- Fasset Card53Xapo Card70
- Cashback score
- Fasset Card19Xapo Card24
- Travel score
- Fasset Card30Xapo Card91
- Funds control score
- Fasset Card45Xapo Card63
- Lowest fees score
- Fasset Card51Xapo Card77
- Transfers score
- Fasset Card50Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Fasset CardClear internal USDT funding flow, Broad phone-wallet supportXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Fasset CardForeign spend can be expensive, OWN reward economics are missingXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Fasset CardNot disclosedXapo Card$1,000/year
- FX fee
- Fasset Card3% non-USD FX; up to 3% cross-border may also applyXapo Card0–0.29%
- Top-up fee
- Fasset Card0%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Fasset Card0%Xapo Card0%
- ATM fee
- Fasset CardNot availableXapo Card0–2%
- Virtual card
- Fasset Card9.99 USDT activation / issuance feeXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Fasset CardNot disclosedXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Fasset CardBase virtual live; Edge waitlist; Select, Elite and Reserve coming soonXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Fasset CardNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Fasset CardVisaXapo CardVisa/Mastercard
- Card formats
- Fasset CardVirtualXapo CardVirtual, Physical
- ATM withdrawals
- Fasset CardNot availableXapo CardAvailable
- Mobile wallets
- Fasset CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Fasset CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- Fasset Card$2,000 per dayXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Fasset CardNot publicly disclosedXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Fasset CardNot applicable; ATM cash advances unavailableXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Fasset CardNot disclosedXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Fasset CardStablecoins: USDTXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Fasset CardNot disclosedXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Fasset CardCard balance back to Fasset WalletXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Fasset CardNot disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Fasset CardNot disclosedXapo Card0%
- Max cashback
- Fasset CardNot disclosedXapo Card3%
- Reward currency
- Fasset CardOWN pointsXapo CardBTC
Earn
5 fields- Advertised APY
- Fasset CardNot offeredXapo CardUp to 3.35% APY
- How it works
- Fasset CardNot offeredXapo CardEarn on spending balance
- Separate deposit
- Fasset CardNot offeredXapo CardNo
- Use balance for spending
- Fasset CardNot offeredXapo CardYes
- Lock-up
- Fasset CardNot offeredXapo CardNo
Trust & availability
4 fields- Custody
- Fasset CardCustodialXapo CardCustodial
- Control until payment
- Fasset CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- Fasset CardThird NationalXapo CardTransact Payments Malta Limited
- Bank transfers
- Fasset CardNot disclosedXapo CardXapo Bank Limited
Sources
2 fields- Official sources
- Fasset Card9Xapo Card21
- Last reviewed
- Fasset CardAug 11, 2026Xapo CardSep 1, 2026
04 · The takeaway
Xapo Card is the stronger all-round choice
Xapo Card finishes ahead with an Overall Score of 70 versus 53 for Fasset Card. Xapo Card has the lower published FX fee (0–0.29% vs 3% non-USD FX; up to 3% cross-border may also apply). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Fasset Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Fasset Card and Xapo Card use the same custodial balance setup.
Xapo Card lists more stablecoins and ways to send money out (8 vs 2). 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 Fasset Card and Xapo Card reviews first.
Continue with
Fasset Card
Continue with
Xapo Card
05 · Common questions
Fasset vs Xapo FAQ
Is Fasset or Xapo better overall?
Xapo Card has the higher Overall Score (70 vs 53). 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, Fasset or Xapo?
Xapo Card has the lower published FX fee (0–0.29% vs 3% non-USD FX; up to 3% cross-border may also apply). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Fasset or Xapo?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Fasset and Xapo differ on custody?
Fasset Card and Xapo Card use the same custodial balance setup.
How current is this Fasset vs Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 30 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.