JupiterJupiter
81
Side-by-side card comparison
Jupiter vs Xapo: overall score versus use-case fit
Jupiter Card has the higher Overall Score by 11 points (81 vs 70). Jupiter Card looks stronger for Cashback and Lowest fees, while Xapo Card comes out ahead for Travel, Funds control, and Transfers.
Information checked Sep 1, 202646 official sources reviewed
01 · Overall score versus use-case fit
Jupiter Card is the better all-round starting point
Jupiter Card has the higher Overall Score in this comparison. Xapo Card may be the better fit for Travel, Funds control, 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.
OverallJupiter81Xapo70Higher score
CashbackJupiter87Xapo24Higher score
TravelJupiter52Xapo91Higher score
Funds controlJupiter54Xapo63Higher score
Lowest feesJupiter79Xapo77Higher score
TransfersJupiter76Xapo100Higher score
Choose Jupiter Card if cashback and lowest fees matter most
Jupiter Card comes out ahead for Cashback 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.
- 2% base cashback in USDC
- No annual or USD spend fee
- Apple Pay and Google Pay ready
Choose Xapo Card if travel and funds control matter most
Xapo Card comes out ahead for Travel, Funds control, 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
- Jupiter81Xapo70
Jupiter Card has the higher Overall Score by 11 points.
- Entry cost & FX
- Jupiter$0 plan · 1–1.8% FXXapo$1,000/year plan · 0–0.29% FX
Jupiter Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Jupiter2% base · up to 4%Xapo0% base · up to 3%
Jupiter Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- JupiterCustodial balanceXapoCustodial balance
Jupiter Card and Xapo Card use the same custodial balance setup.
- Everyday access
- JupiterVirtual · Apple Pay, Google PayXapoVirtual + Physical · Unknown
Jupiter Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Jupiter2 stablecoins · Noah local and SWIFT payoutsXapo2 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
- 2%-4%
- Plan cost
- $0
- FX fee
- 1–1.8%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 20 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
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Jupiter Card
Get $20
$20 after qualifying Jupiter Card spend
- Activate the Jupiter Card.
- Spend $1,000 on qualifying card purchases within 30 days of activation.
Jupiter Card promo codeZEJ8C4ZS
Offer terms can change. Check the current Jupiter Spend referral programme before applying.
Xapo Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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
CardsJupiter CardOverall81Xapo CardOverall70
Jupiter CardOverall81Xapo CardOverall70Scores
6 fields- Overall Score
- Jupiter Card81Xapo Card70
- Cashback score
- Jupiter Card87Xapo Card24
- Travel score
- Jupiter Card52Xapo Card91
- Funds control score
- Jupiter Card54Xapo Card63
- Lowest fees score
- Jupiter Card79Xapo Card77
- Transfers score
- Jupiter Card76Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Jupiter Card2% base cashback in USDC, No annual or USD spend feeXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Jupiter Card4% requires fresh referrals, FX depends on your issuerXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Jupiter Card$0Xapo Card$1,000/year
- FX fee
- Jupiter Card1–1.8%Xapo Card0–0.29%
- Top-up fee
- Jupiter Card0%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Jupiter Card0%Xapo Card0%
- ATM fee
- Jupiter CardNot availableXapo Card0–2%
- Virtual card
- Jupiter CardNot disclosedXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Jupiter CardPlanned by the end of 2026; not currently availableXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Jupiter CardNot disclosedXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Jupiter CardNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Jupiter CardVisaXapo CardVisa/Mastercard
- Card formats
- Jupiter CardVirtualXapo CardVirtual, Physical
- ATM withdrawals
- Jupiter CardNot availableXapo CardAvailable
- Mobile wallets
- Jupiter CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Jupiter CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- Jupiter CardDCS: $50,000/day; Rain: no disclosed daily limitXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Jupiter CardMonthly limit not disclosed; DCS lists $990,000/year and Rain no disclosed annual limitXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Jupiter CardNot available on the current digital-only cardXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Jupiter CardSolana, Sui, Arbitrum, BaseXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Jupiter CardStablecoins: USDC, USDTXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Jupiter CardUSD virtual account receive, EUR virtual account receiveXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Jupiter CardNoah local and SWIFT payoutsXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Jupiter CardAED, BRL, CAD, EUR, GBP, IDR, INR, JPY +12Xapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Jupiter Card2%Xapo Card0%
- Max cashback
- Jupiter Card4%Xapo Card3%
- Reward currency
- Jupiter CardUSDCXapo CardBTC
Earn
5 fields- Advertised APY
- Jupiter CardNot disclosedXapo CardUp to 3.35% APY
- How it works
- Jupiter CardOptional earn vaultXapo CardEarn on spending balance
- Separate deposit
- Jupiter CardYesXapo CardNo
- Use balance for spending
- Jupiter CardNoXapo CardYes
- Lock-up
- Jupiter CardNoXapo CardNo
Trust & availability
6 fields- Custody
- Jupiter CardCustodialXapo CardCustodial
- Control until payment
- Jupiter CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- Jupiter CardRain, DCSXapo CardTransact Payments Malta Limited
- Deposits & withdrawals
- Jupiter CardNoahXapo CardNot disclosed
- Bank transfers
- Jupiter CardNot disclosedXapo CardXapo Bank Limited
- Identity verification
- Jupiter CardSumsubXapo CardNot disclosed
Sources
2 fields- Official sources
- Jupiter Card25Xapo Card21
- Last reviewed
- Jupiter CardAug 12, 2026Xapo CardSep 1, 2026
04 · The trade-off
Jupiter Card is the stronger all-round choice
Jupiter Card finishes ahead with an Overall Score of 81 versus 70 for Xapo Card. Jupiter Card has the lower starting plan cost ($0 vs $1,000/year). Jupiter Card has the higher published base cashback rate (2% vs 0%).
Xapo Card still comes out ahead for Travel, Funds control, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Jupiter Card and Xapo Card use the same custodial balance setup.
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 Jupiter Card and Xapo Card reviews first.
Continue with
Jupiter Card
Continue with
Xapo Card
05 · Common questions
Jupiter vs Xapo FAQ
Is Jupiter or Xapo better overall?
Jupiter Card has the higher Overall Score (81 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, Jupiter or Xapo?
Jupiter 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, Jupiter or Xapo?
Jupiter Card has the higher published base cashback rate (2% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Jupiter and Xapo differ on custody?
Jupiter Card and Xapo Card use the same custodial balance setup.
How current is this Jupiter vs Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.