Which is cheaper, MetaMask Card or Xapo?

At $2,000 a month with 20% foreign spending and one $200 ATM withdrawal, MetaMask Card leaves $1,036 more per year. The result can change with your spending, so the comparison above lets you enter your own amount.

Can I use MetaMask Card and Xapo in the same country?

One of the two issuers does not publish a country list, so we cannot confirm overlap. 45 countries for MetaMask Card; country list not published for Xapo.

Is MetaMask Card or Xapo safer?

Xapo scores higher on our safety check (69/100 against 65/100). The score looks at licensing, custody, fund segregation, proof of reserves and incident history.

Which card has better cashback, MetaMask Card or Xapo?

MetaMask Card pays 1% to 3% and Xapo pays none. Caps, tier rules and fees decide what you keep, which is why the yearly figures above include both.

MetaMask Card vs Xapo: Crypto Card Comparison of Fees, Cashback and Safety

Crypto card comparison
Feature	MetaMask Card	Xapo
Countries offered	45 countries	List not published
Card network	Mastercard	Visa
Custody	Self-custody	Custodial
KYC	Full	Full
Top-up assets	USDC, USDT, mUSD, wETH, EURe, GBPe	USD, BTC, USDC, USDT
Top-up or conversion fee	0.5%	0% (better)
FX markup	1%	0% (better)
ATM fee	2%	2% after $100 free a month
Annual fee (base tier)	Free (better)	$1,000
Card issuance	Virtual Free · Physical Not disclosed	Virtual Free · Physical Free
Cashback	1% to 3% (better)	None
Apple Pay / Google Pay	Apple Pay, Google Pay	Not listed
Safety score	65/100	69/100 (better)
Overall rating	54/100 (better)	21/100
Get the card	Get MetaMask Card	Get Xapo

Yearly cost at three spending levels

Monthly spend	MetaMask Card	Xapo
$500	-$42 Virtual (free)	-$1,024 Membership
$2,000	+$12 Virtual (free)	-$1,024 Membership
$5,000	+$120 Virtual (free)	-$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	MetaMask Card Virtual (free)	Xapo Membership
Top-up and conversion fees	-$132	$0
Spending fees	$0	$0
Foreign exchange markup	-$48	$0
ATM fees	-$48	-$24
Annual, monthly and subscription fees	$0	-$1,000
Cashback	+$240	$0
Net per year	+$12	-$1,024

Fees

MetaMask Card charges 0.5% to convert or top up and 1% on spending in a foreign currency. Xapo charges 0% and 0%.

The conversion fee applies to every dollar you load, so Xapo's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $5.

ATM withdrawals: MetaMask Card 2%; Xapo 2% after $100 free a month.

A virtual card costs nothing with MetaMask Card and nothing with Xapo. A physical card costs an undisclosed fee and nothing.

Cashback and rewards

MetaMask Card cashback: 1% to 3%. Xapo cashback: None.

MetaMask Card tiers: Virtual (free): 1%; Metal ($199 a year): 3%.

Xapo tiers: Membership: 0%.

MetaMask Card: Paid in mUSD. The Metal tier also removes the 1% cross-border fee and adds $1,200 a month of free ATM withdrawals, which this model does not reflect.

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

MetaMask Card is offered in 45 countries, including Argentina, Brazil, Canada, France, Germany, Ireland, Italy, Mexico, Netherlands and Portugal. MetaMask lists these countries on its card page. Sign-ups in the US and UK are temporarily closed.

Xapo does not publish a country list. Xapo Bank does not publish a list of countries where membership is open.

MetaMask Card 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

MetaMask Card publishes a daily spending limit of $15,000 and ATM withdrawals of up to $1,000 a day.

Xapo does not publish fixed spending or ATM limits.

MetaMask Card works with Apple Pay and Google Pay, and Xapo does not list either. MetaMask Card and Xapo issue a virtual card you can use straight away.

Custody and safety

MetaMask Card scores 65/100. 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. Funds stay in the user's own MetaMask wallet until each payment. US cards are issued by Cross River Bank, Member FDIC; the issuer for the countries listed here is not named on MetaMask's site.

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: MetaMask Card safety check and Xapo safety check.

About each card

MetaMask Card is a self-custody Mastercard from MetaMask (Consensys). It tops up with USDC, USDT, mUSD, wETH, EURe and GBPe.

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

MetaMask Card fits if

You want to keep crypto in your own wallet until each payment.
You want a higher cashback ceiling (up to 3%).

Xapo fits if

You spend in foreign currencies often, since its FX markup is lower.
Most of your spending is in your home currency, where its lower conversion fee counts most.
You weigh licensing and fund segregation heavily, since it scores higher on our safety check.

MetaMask Card vs Xapo