Yearly cost at three spending levels
| Monthly spend | Bleap | Xapo |
|---|---|---|
| $500 | ≤ $0 Standard | -$1,024 Membership |
| $2,000 | ≤ $0 Standard | -$1,024 Membership |
| $5,000 | ≤ $0 Standard | -$1,024 Membership |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | Bleap Standard | Xapo Membership |
|---|---|---|
| Top-up and conversion fees | $0 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $0 | $0 |
| ATM fees | Not disclosed | -$24 |
| Annual, monthly and subscription fees | $0 | -$1,000 |
| Cashback | Not disclosed | $0 |
| Net per year | $0 | -$1,024 |
Fees
Bleap charges 0% to convert or top up and 0% on spending in a foreign currency. Xapo charges 0% and 0%.
ATM withdrawals: Bleap not disclosed; Xapo 2% after $100 free a month.
A virtual card costs nothing with Bleap and nothing with Xapo. A physical card costs nothing and nothing.
Cashback and rewards
Bleap cashback: Variable, not published. Xapo cashback: None.
Bleap tiers: Standard: rate not published.
Xapo tiers: Membership: 0%.
Bleap: Up to 20% cashback in USDC on eligible categories, including gaming, AI subscriptions, streaming, food delivery, restaurants and everyday spending. Bleap does not publish the rate for each category.
Xapo: Xapo pays cashback in Bitcoin only through limited-time offers, such as 3% on rideshares with the Metal card from 1 July to 30 September 2026. The membership also includes interest on USD savings, paid in Bitcoin.
Availability and KYC
Bleap does not publish a country list. Bleap says the card is available to residents of the European Economic Area and Latin America, without publishing a country list.
Xapo does not publish a country list. Xapo Bank does not publish a list of countries where membership is open.
Bleap needs full KYC and Xapo needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Bleap does not publish fixed spending or ATM limits.
Xapo does not publish fixed spending or ATM limits.
Bleap works with Apple Pay and Google Pay, and Xapo does not list either. Bleap and Xapo issue a virtual card you can use straight away.
Custody and safety
Bleap scores 60/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. Bleap says its account is built on a non-custodial MPC wallet, so it never holds user assets. It does not name its card issuer on the card page.
Xapo scores 69/100. Licensing: holds a licence or registration outside the tier-one list (Credit institution regulated by the Gibraltar Financial Services Commission (Permission No. 23171); crypto services by Xapo VASP Limited, a GFSC-regulated DLT Provider (Permission No. 26061)). No incidents or enforcement actions found in the last 36 months. Xapo says Bitcoin is held 1:1 and legally segregated under Gibraltar's DLT framework, never lent or rehypothecated. USD deposits are covered by the Gibraltar Deposit Guarantee Scheme; crypto balances are not.
Full reports: Bleap safety check and Xapo safety check.
About each card
Bleap Card is a self-custody Mastercard from Bleap. It tops up with USDC and its balance is held in EUR.
Xapo Bank Card is a custodial Visa card from Xapo Bank Limited (Gibraltar). It tops up with USD, BTC, USDC and USDT.
Which card fits you
Bleap fits if
- You want to keep crypto in your own wallet until each payment.
Xapo fits if
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: Bleap fees and details · Xapo fees and details