The Xapo Card is a crypto card by Xapo Bank Ltd on the Mastercard network. It offers 0.2%–1.1% cashback with 1,000 € annual fees. Read our full analysis for 2026.
Cashback & Rewards
The Xapo Card offers **0.2%–1.1%** cashback. The 1,000 €/year fee must be offset: spend at least €7576/month to break even.
No staking is required to benefit from the advertised cashback — a clear advantage over cards that lock up thousands of euros.
Fees & Conditions
The Xapo Card charges 1,000 € per year. For occasional spenders, free alternatives may be more cost-effective.
Regulation & Security
The Xapo Card is offered by **Xapo Bank Ltd**, a vasp registered regulated operator. Founded in 1998, the company has significant industry experience. Before signing up, verify the issuer's FCA registration or equivalent local authority.
Alternatives to consider
Can't decide? Here are the most compared alternatives to the Xapo Card:
- Revolut Metal — 0.1%–1% cashback, 179.88 €
- MetaMask Card — 1%–3% cashback, 199 €
- Jade Green — 2%–3% cashback, Free
Our verdict
The Xapo Card suits a specific user profile. Compare with the alternatives above to find your optimal card.
Updated 2026.