CryptoCardsPerks
Ledger CL Card
7.7/10
Ranked #13 of 76
Overview
The Xapo Card is a custodial crypto card aimed primarily at users in a wide range of regions. It runs on the Visa network, so it's accepted anywhere Visa is, and supports Apple Pay and Google Pay for tap-to-spend. In our ranking it currently sits at #13 of 76 cards, with an overall score of 7.7 out of 10.
★ Xapo Card referral code
XAPO5301
New users who sign up with this code typically get bonus cashback for your first 30 days. Rewards vary by region and are set by Xapo Card.
Rating breakdown
How the Xapo Card scores across the categories we weigh into its overall 7.7/10.
Fees & value7.9
Rewards7.9
Ease of use7.9
Security & custody7.4
Availability8.4
Cashback & rewards
Spending on the Xapo Card earns cashback, starting around 3% on the base tier. Higher rates are typically unlocked by staking the provider's token or moving up to a paid plan, and base-tier rewards are usually capped monthly. Here's how the tiers generally compare:
| Tier | Requirement | Cashback | Monthly cap |
|---|---|---|---|
| Starter | No stake required | 3% | ~30 / month |
| Plus | Token stake or paid plan | 5% | ~100 / month |
| Premium | Higher stake / top tier | 8% | Higher or uncapped |
Cashback is usually paid in the provider's token or in stablecoin. Exact rates, caps and the assets you can earn vary by region — confirm current numbers on the official site.
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | $1.99 |
| Card issuance | $9.99 |
| Card spend (USD)Fee on purchases made in US dollars | 0% |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 0% |
| ATM withdrawals | 2% after free limit |
How to get the Xapo Card
- Download the Xapo Card app or open the provider's website.
- Create an account and complete KYC with a photo ID and selfie.
- Enter referral code XAPO5301 during sign-up to claim any welcome perk.
- Top up your account with crypto or fiat, then order your physical card or start using the virtual card.
- Add the card to Apple Pay or Google Pay to tap and spend.
Pros & cons
Pros
- Earns up to 3% cashback on eligible spending
- Physical card available for in-store and ATM use
- Works with Apple Pay and Google Pay
- Available across a wide range of countries
Cons
- Custodial — funds are held by the provider
- Requires full KYC (government ID + selfie)
Who it's for
Xapo Card suits users almost anywhere who want a straightforward way to spend crypto without managing wallets directly. Be ready to complete standard identity verification during signup.
Frequently asked questions
Does the Xapo Card offer cashback?
Yes. The Xapo Card pays cashback starting around 3% on the base tier, with higher rates available on upgraded or staked tiers. Base rewards are usually capped monthly.
Is the Xapo Card available in my country?
The Xapo Card is available across a broad range of countries. Always confirm your specific country is supported on the provider's official site before applying.
Does the Xapo Card require KYC?
Yes. The Xapo Card requires standard KYC — typically a government ID and a selfie — during sign-up.
Is the Xapo Card custodial or non-custodial?
The Xapo Card is custodial, meaning the provider holds your funds on your behalf.
What network does the Xapo Card run on?
The Xapo Card runs on the Visa network, so it's accepted wherever Visa is supported, and it works with Apple Pay and Google Pay.