Fuse WalletFuse
74
Side-by-side card comparison
Fuse vs Xapo: overall score versus use-case fit
Fuse Card has the higher Overall Score by 4 points (74 vs 70). Fuse Card looks stronger for Cashback, Funds control, and Lowest fees, while Xapo Card comes out ahead for Travel and Transfers.
Information checked Sep 1, 202636 official sources reviewed
01 · Overall score versus use-case fit
Fuse Card is the better all-round starting point
Fuse Card has the higher Overall Score in this comparison. Xapo Card may be the better fit for Travel and Transfers. 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.
OverallFuse74Xapo70Higher score
CashbackFuse25Xapo24Higher score
TravelFuse65Xapo91Higher score
Funds controlFuse91Xapo63Higher score
Lowest feesFuse93Xapo77Higher score
TransfersFuse97Xapo100Higher score
Choose Fuse Card if cashback and funds control matter most
Fuse Card comes out ahead for Cashback, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Separate USDC Card Account
- Apple Pay for in-person spend
- USD and EUR receive rails
Choose Xapo Card if travel and transfers matter most
Xapo Card comes out ahead for Travel 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
- Fuse74Xapo70
Fuse Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Fuse$0 plan · 0% FXXapo$1,000/year plan · 0–0.29% FX
Fuse Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Fuse0% cashbackXapo0% base · up to 3%
Both cards show the same base cashback rate of 0%.
- Funds control
- FuseSelf-controlled walletXapoCustodial balance
Fuse Card uses a self-controlled wallet setup, while Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- FuseVirtual · Apple PayXapoVirtual + Physical · Unknown
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Fuse1 stablecoin · Stablecoin transfers; ACH / SEPA bank transfersXapo2 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 3).
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%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 3 crypto · 2 fiat
- Payout methods
- 1 crypto · 2 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
CardsFuse CardOverall74Xapo CardOverall70
Fuse CardOverall74Xapo CardOverall70Scores
6 fields- Overall Score
- Fuse Card74Xapo Card70
- Cashback score
- Fuse Card25Xapo Card24
- Travel score
- Fuse Card65Xapo Card91
- Funds control score
- Fuse Card91Xapo Card63
- Lowest fees score
- Fuse Card93Xapo Card77
- Transfers score
- Fuse Card97Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Fuse CardSeparate USDC Card Account, Apple Pay for in-person spendXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Fuse CardiOS and virtual-only access, Receive rails convert incoming fiatXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Fuse Card$0Xapo Card$1,000/year
- FX fee
- Fuse Card0%Xapo Card0–0.29%
- Top-up fee
- Fuse Card0%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Fuse Card0%Xapo Card0%
- ATM fee
- Fuse CardNot availableXapo Card0–2%
- Virtual card
- Fuse CardVirtual card purchase $0 after Bridge KYCXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Fuse CardNot available in captured Fuse support pageXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Fuse Card1 plans: Fuse PlusXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Fuse CardNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Fuse CardVisaXapo CardVisa/Mastercard
- Card formats
- Fuse CardVirtualXapo CardVirtual, Physical
- ATM withdrawals
- Fuse CardNot availableXapo CardAvailable
- Mobile wallets
- Fuse CardApple PayXapo CardNot disclosed
- Apps
- Fuse CardiOSXapo CardiOS, Android
- Daily spending limit
- Fuse Card$2,000/day; $2,000/transactionXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Fuse CardMonthly cap not disclosed; daily and transaction caps are approvedXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Fuse CardNot availableXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Fuse CardSolanaXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Fuse CardStablecoins: USDC; Other crypto: SOL, SPL tokensXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Fuse CardUSD virtual bank account, EUR virtual bank accountXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Fuse CardStablecoin transfers; ACH / SEPA bank transfersXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Fuse CardUSD, EURXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Fuse Card0%Xapo Card0%
- Max cashback
- Fuse Card0%Xapo Card3%
- Reward currency
- Fuse CardNo cashbackXapo CardBTC
Earn
5 fields- Advertised APY
- Fuse CardNot disclosedXapo CardUp to 3.35% APY
- How it works
- Fuse CardOptional earn vaultXapo CardEarn on spending balance
- Separate deposit
- Fuse CardYesXapo CardNo
- Use balance for spending
- Fuse CardNoXapo CardYes
- Lock-up
- Fuse CardNot disclosedXapo CardNo
Trust & availability
6 fields- Custody
- Fuse CardSelf-custodyXapo CardCustodial
- Control until payment
- Fuse CardYou keep controlXapo CardProvider controls funds
- Card issuer
- Fuse CardLead BankXapo CardTransact Payments Malta Limited
- Card processing
- Fuse CardBridge Ventures LLC, Squads LabsXapo CardNot disclosed
- Bank transfers
- Fuse CardNot disclosedXapo CardXapo Bank Limited
- Programme operator
- Fuse CardBridge Ventures LLCXapo CardNot disclosed
Sources
2 fields- Official sources
- Fuse Card15Xapo Card21
- Last reviewed
- Fuse CardAug 29, 2026Xapo CardSep 1, 2026
04 · The trade-off
Fuse Card is the stronger all-round choice
Fuse Card finishes ahead with an Overall Score of 74 versus 70 for Xapo Card. Fuse Card has the lower starting plan cost ($0 vs $1,000/year). Both cards show the same base cashback rate of 0%.
Xapo Card still comes out ahead for Travel and Transfers, which may matter more than the overall result if that is how you plan to use the card. Fuse Card uses a self-controlled wallet setup, while Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Xapo Card lists more stablecoins and ways to send money out (8 vs 3). 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 Fuse Card and Xapo Card reviews first.
Continue with
Fuse Card
Continue with
Xapo Card
05 · Common questions
Fuse vs Xapo FAQ
Is Fuse or Xapo better overall?
Fuse Card has the higher Overall Score (74 vs 70). 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, Fuse or Xapo?
Fuse 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, Fuse 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 Fuse and Xapo differ on custody?
Fuse Card uses a self-controlled wallet setup, while Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Fuse vs Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 36 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.