10 Best Xapo Card Alternatives for Crypto Users in 2026

I’ll go over the top Xapo card substitutes for 2026 in this post. These alternatives offer great choices if you’re searching for safe, easy, and profitable methods to spend cryptocurrency.

These cards are ideal alternatives to the Xapo Card for regular cryptocurrency spending since they provide flexibility and convenience, such as fast crypto-to-fiat conversion, cashback benefits, and worldwide acceptance.

What is Xapo Card Alternatives?

Alternatives to the Xapo Card are various cryptocurrency debit or prepaid cards that, like the Xapo Card, let users spend their digital assets with ease. These substitutes provide benefits like cheap costs, rewards programs, mobile app management, fast crypto-to-fiat conversion, and worldwide acceptance.

With a range of solutions catered to various needs and preferences, they are made for cryptocurrency aficionados who seek flexibility, security, and simplicity in daily spending without exclusively depending on Xapo.

How To Choose Xapo Card Alternatives

Supported Cryptocurrencies: Spend your crypto without hassle by selecting a card that supports your digital assets like Bitcoin, Ethereum, or stablecoins.

Fees & Charges: There is a range of fees that can be charged by crypto cards, including card issuance fees, crypto conversion fees, ATM fees, and monthly subscription fees. To create more value when spending or withdrawing your crypto, compare these fees and select the card that is the least costly.

Rewards & Cashback: Take advantage of cards that offer cash back and crypto rewards to maximize your spending.

Global Acceptance: If you travel a lot, get a card that is accepted by more global payment networks, ATMs, and merchant terminals.

Instant Conversion: Good alternatives should offer real-time crypto-to-fiat conversion at the point of sale for seamless transactions.

Mobile App & Security: Look for cards that offer a well-designed mobile app, and utilize robust security features.

Customer Support: International transactions can be Disrupted, so it is important to get a card that has support that is responsive to disruption.

Regulation & Safety: Look for cards that offer strong compliance with regulatory standards so that you can have the least risk and the largest Protection coverage.

Key Point & Best Xapo Card Alternatives List

Crypto Card	Key Points / Features
Wirex Card	Multi-currency support, earn crypto rewards, low fees, instant transfers, app control
Nexo Card	Earn crypto cashback, no annual fees, linked to Nexo wallet, instant crypto access, secure
Coinbase Card	Spend crypto directly, supports multiple coins, instant conversion to fiat, mobile app tracking, rewards program
Binance Visa Card	Use crypto anywhere Visa is accepted, up to 8% cashback, zero issuance fee, multi-crypto wallet, app management
Uphold Card	Multi-asset spending, instant conversion, contactless payments, global coverage, secure platform
Paycent Card	Supports multiple cryptocurrencies, low fees, crypto-to-fiat conversion, mobile app control, worldwide use
SpectroCoin Card	Instant crypto-to-fiat conversion, low fees, global ATM access, prepaid functionality, supports multiple coins
CryptoPay Card	Multi-currency support, instant top-up, online/offline payments, prepaid card, crypto rewards
Plutus Card	Cashback in crypto, mobile app control, multi-coin support, easy top-up, contactless payments
Shakepay Card	Instant Bitcoin rewards on purchases, no monthly fees, Canadian-friendly, easy app management, simple setup

1. Wirex Card

The Wirex Card is among the best alternatives to the Xapo Card. Users benefit from Wirex’s best feature, spending crypto at merchants that accept bank cards. Users load crypto onto the card, and at the time of the transaction, the crypto is converted to the local currency.

Wirex supports loads of Bitcoin, Ethereum, and multiple other altcoins. Additionally, Wirex has a loyalty program that rewards cardholders with crypto. Wirex is a global card that provides instantaneous P2P transfers. Users can Preplace transactions and enjoy low latency, contactless payments. Users can manage balance and transaction history within the app.

Wirex Card Features, Pros & Cons

Features

• Support for multiple currencies
• Earnable cryptocurrency
• Transfers and coins swaps
• Spend via Tap & Go
• Access via mobile application

Pros

• Ability to earn crypto for spending
• Supports a variety of cryptocurrency
• Minimal fees when converting
• Streamlined ability to fund from a wallet
• Spend cryptocurrency everywhere

Cons

• Crypto earning potential is low
• Only available to some regions
• Difficult to use for inexperienced users
• Varying fees when withdrawing from ATMs
• Identity verification required to access all features

2. Nexo Card

The Nexo Card is one of the best Xapo Card alternatives as it allows crypto-backed spending. It lets customers spend the value of their crypto through Nexo’s wallet, giving instant access to fiat. Cardholders also receive crypto cashback on purchases, pay no annual fees, and enjoy safe transactions.

The Nexo app allows for real-time spending, one-click top-ups, and the of multiple cryptocurrencies. The Nexo Card is ideal for customers who enjoy the worldwide acceptance and safety of a payment card while also being able to spend as highly liquid crypto.

Nexo Card Features, Pros & Cons

Features

• Can use Nexo wallet
• Instant access to cash
• No fees for cards
• Spend cryptocurrency without selling it
• Earn cash back

Pros

• Cryptocurrency can be kept for passive earning
• Receive up to 2% cash back in cryptocurrency
• No fees for card creation
• Account is highly protected
• Can easily be used

Cons

• Card program is limited
• Only offered in a few countries
• Funds in crypto must be available in order to use the account
• Account is complicated
• Support is not always timely

3. Coinbase Card

The Coinbase Card is one of the best alternatives to Xapo Card. It allows customers to spend Bitcoin, Ethereum, stablecoins, and multiple other cryptocurrencies directly wherever Visa is accepted. The card instantly converts crypto to fiat at the point of sale, all while users earn crypto rewards for purchases.

The Coinbase app is easy to use and allows customers to manage all of their transactions at their fingertips. The Coinbase Card offers strong safety features such as payment chip protection and contactless payments. The card has very low fees while providing customers easy access to their crypto portfolio. The Coinbase card is a great blend of traditional payments and crypto.

Coinbase Card Features, Pros & Cons

Features

• Spend crypto directly
• Accepted by Visa
• Instant conversion
• Daily cash back rewards
• Transactions visible in the app

Pros

• Large Coinbase ecosystem is trusted
• Supports multiple coins
• Visa backing provides a high level of security
• Overall Visa support is a plus
• Getting started is simple
• Options for great rewards

Cons

• Higher than normal fees
• Rewards change depending on your area
• Verification for your account is required
• Limited advanced capabilities
• Cryptocurrency transfers may be delayed

4. Binance Visa Card

A powerful substitute for the Xapo Card, the Binance Visa Card enables users to spend cryptocurrency anywhere Visa is accepted. Cardholders can benefit from instantaneous crypto-to-fiat conversion, 0% issuance fees, and up to 8% cashback in Binance’s native coin, BNB. It offers a fully integrated mobile app to track spending, manage balances, and rapidly top up funds, and it supports a number of cryptocurrencies.

The Binance Visa Card effectively connects cryptocurrency investments with real-world spending by offering secure transactions, contactless payments, and worldwide acceptance.

Binance Visa Card Features, Pros & Cons

Features

• Visa use worldwide
• Large cashback
• Multiple cryptocurrency wallets
• Conversion without fees
• Control via app balance

Pros

• BNB rewards up to 8%
• No fees for card issuance
• Binance ecosystem benefits
• Excellent mobile functionality
• Support for many cryptocurrencies

Cons

• Rewards are based on BNB holdings
• Not offered everywhere
• Binance KYC is a mandatory requirement
• Risk of losing value due to market unpredictability
• Potential existence of undisclosed fees

5. Uphold Card

The Uphold Card is one of the best alternatives to the Xapo Card. Users can instantly make secure crypto convertible to fiat purchases online and in store. Users can make crypto purchases with crypto up to Bitcoin, Ethereum, and any other crypto asset.

Users can make contactless purchases anywhere in the world. Users can instantly top up their balances and manage their transactions in the Uphold application.

The card is one of the outstanding alternatives to the Xapo Card and is also an alternative to traditional crypto banking. Users are charged a bare minimum and they can easily change their crypto balances.

Uphold Card Features, Pros & Cons

Features

• Spending on multiple assets
• Conversion without fees
• Contactless payments
• Worldwide use
• Control via app

Pros

• Crypto and fiat spending
• Swapping in the app is simple
• insights in real-time
• Card acceptance is high
• Security is strong

Cons

• fees for conversion
• Rewards are not high
• Fewer crypto choices than competitors
• Restrictions by region
• The app is complicated to use

6. Paycent Card

Compared to the Xapo Card, the Paycent Card is a viable option for users who want to spend and transact using crypto in multiple currencies. It supports a variety of cryptocurrencies and fiat currencies, allowing users to make crypto-to-fiat purchases instantly.

Paycent is user friendly and convenient, with low fees, a simple cash top up, and fully functional mobile app. Cardholders can make contactless payments and access secure ATMs around the world. Considering its variety of beneficial features, the Paycent Card is a great option for users who want to spend their crypto in their everyday lives and want to steer clear of traditional banking or Xapo cards.

Paycent Card Features, Pros & Cons

Features

• Support for multiple currencies.
• Converted crypto to fiat.
• Support for contactless payments.
• Global transactions.
• Management through an app.

Pros

• There is an absence of high fees.
• ATMs are available.
• Setup is straightforward.
• Good mobile app
• Supports many cryptos

Cons

• It’s hard to earn higher cashback.
• Not many places accept it
• Not the best rates
• They have slow support
• Not every country can use it

7. SpectroCoin Card

A dependable substitute for the Xapo Card, the SpectroCoin Card allows for the quick conversion of cryptocurrencies into fiat money for use anywhere in the world. It provides a prepaid card solution with worldwide ATM access and supports popular digital currencies like Bitcoin and Ethereum.

Through the SpectroCoin mobile app, cardholders may take advantage of minimal fees, quick top-ups, and complete management. Because the card is prepaid, customers may effectively budget, and its secure mechanism guarantees safe transactions.

The SpectroCoin Card is ideal for cryptocurrency aficionados looking for a flexible, useful, and secure substitute for conventional and Xapo cards because of its contactless payments and broad acceptance.

SpectroCoin Card Features, Pros & Cons

Features

• Card available
• Conversion of cryptocurrency
• Access to ATMs
• Supports multiple coins
• Dashboard available on mobile

Pros

• Fast card loading
• Easier management of finances through the prepaid system
• Reasonable fees for the card
• Ability to use ATMs
• Variety of currencies

Cons

• Very few rewards
• Small purchases are expensive
• Outdated system
• Fewer advantages
• Limited international availability

8. CryptoPay Card

CryptoPay Card is another flexible alternative to the Xapo Card. It allows you to instantly top up the virtual card, allowing you to spend your top-up balance immediately as you would with a debit card. It also has low fees and allows international payments via a partnered payment processor, meaning you can spend the card balance anywhere.

The card can be integrated with a mobile app to track payments, and has the ability to offer crypto rewards. Like most cards, it has contactless payment features, making it an industry-standard offering. Overall, it provides an industry-standard offering in the crypto debit card space. It is a strong contender to the Xapo Card.

CryptoPay Card Features, Pros & Cons

Features

• Instant loading
• Pay contactlessly
• Supports multiple crypto currencies
• App available
• Rewards available

Pros

• Easy to use
• Ability to earn rewards in crypto
• App is nice
• Conversion is instant
• Low fees on purchases

Cons

• Availability is limited by country
• Not accepted worldwide
• Possible fees for use
• ATM use is restricted
• Rewards change

9. Plutus Card

With cryptocurrency cashback benefits on every purchase, the Plutus Card is regarded as one of the greatest substitutes for the Xapo Card. Users can monitor transactions, top up funds, and swap cryptocurrency with ease thanks to its compatibility for different cryptocurrencies and ease of management via a mobile app.

Plutus Card offers useful everyday spending with the advantages of digital assets thanks to contactless payments, worldwide acceptance, and affordable fees. For both casual and frequent cryptocurrency users who wish to earn while spending, its user-friendly platform and rewards structure make it a great substitute for conventional banking and Xapo Card options.

Plutus Card Features, Pros & Cons

Features

• Cash back in crypto
• Supports multiple coins
• Pay contactlessly
• use the app for tracking
• Budgeting features

Pros

• Crypto back of 3%
• Helpful analytics on spending
• Top ups are simple
• Wallet flexibility
• Plenty of promotions

Cons

• There are limits on cashback* Not as established as Visa/Mastercard.
• Confusing fee tiers.
• KYC required.
• Periodic support delays.

10. Shakepay Card

The Shakepay Card serves as an excellent alternative to the Xapo Card for Canadians, as it provides instant rewards in the form of Bitcoin on everyday purchases. Cardholders can easily convert Canadian dollars to Bitcoin and manage the transactions through a mobile app.

It also includes contactless payments and no monthly fees making it a great option for both novice and expert users. Because of the fast top ups and crypto to food conversion, Shakepay is an excellent alternative to the Xapo Card that allows users to spend cash.

Shakepay Card Features, Pros & Cons

Features

• Crypto rewards.
• Canadian Dollar Support.
• Instant conversion.
• Contactless
• Mobile Integration.

Pros

• New user friendly.
• Instant BTC rewards.
• No monthly costs.
• Onboarding is quick.
• Platform is secure.

Cons

• Availability in Canada only.
• Limited crypto.
• Less reward tiers.
• Withdrawal costs.

Conclusion

Choosing the appropriate cryptocurrency card can have a significant impact on how you manage, spend, and profit from your digital assets.

Among the top Xapo Card substitutes in 2026 are the cards mentioned above, including Wirex, Nexo, Coinbase, Binance Visa, Uphold, Paycent, SpectroCoin, CryptoPay, Plutus, and Shakepay. Instant crypto-to-fiat conversion, worldwide acceptance, cryptocurrency awards, cheap costs, and safe mobile app management are some of the services they provide.

These options offer adaptable and practical solutions for regular transactions while improving your cryptocurrency experience, regardless of whether you value cashback, multi-currency support, or seamless crypto spending.

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