Moto Card vs xPortal Card
Crypto native
Crypto native
Verdict
- Moto Card scores higher overall (4.9 vs 4.5 out of 10).
- Moto Card is clearly stronger on: Cashback & rewards, Product features.
- xPortal Card is clearly stronger on: Fees.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Moto Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Cashback & rewards, Product features
xPortal Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Fees
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Moto Card | xPortal Card |
|---|---|---|
| Fees | 0 | 64 |
| Cashback & rewards | 20 | 1 |
| Availability | – | – |
| FX & international | 100 | – |
| Product features | 80 | 70 |
| Custody & security | 80 | – |
| Credit & financing | 70 | – |
| Limits & ATM | – | – |
| Transparency | 100 | – |
| Best for Cashback | 3.6 | 2.9 |
| Best for Travel | 6.3 | n/a |
| Best for Self-Custody | 6.2 | n/a |
| Best for DeFi Users | 5.7 | n/a |
| Best for Stablecoins | 5.4 | n/a |
| Best for High Spenders | 4.4 | 3.4 |
| Best for Low Fees | 4.8 | n/a |
| Best for Beginners | 5.7 | 5.3 |
| Best Crypto Credit Card | 5.6 | n/a |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
Limited availabilityConditions apply: tap or hover for detailsShow source
Apply for access
Limited availabilityConditions apply: tap or hover for detailsShow source
Crypto-asset services currently suspended (MiCA)
Card type
Crypto-backed creditShow source
Debit cardShow source
Network
VisaShow source
MastercardShow source
Custody model
Self-custodyShow source
Fees
Annual fee
$2,500/yearConditions apply: tap or hover for detailsShow source
Or $250 per month
Monthly fee
$250/monthConditions apply: tap or hover for detailsShow source
Monthly membership option
Physical card fee
€5.99Conditions apply: tap or hover for detailsShow source
Delivery in Romania; €9.99 international
Virtual card fee
FreeShow source
FX fee
0%Show source
Crypto conversion fee
1.49%Conditions apply: tap or hover for detailsShow source
Crypto purchase via xMoney
Transfer fee
FreeShow source
Cashback & rewards
Max cashback
5%Conditions apply: tap or hover for detailsShow source
5x points on travel, 3x dining and retail; 1 point = 0.01 USD
0.5%Conditions apply: tap or hover for detailsShow source
Depending on EGLD/UTK staked
Cashback paid in
EGLD or UTKShow source
Cashback type
PointsShow source
Platform tokenShow source
Cashback conditions
1x points on all purchases, 3x on dining and retail, 5x on travel · Redeem for flights, hotels or up to $200/month statement creditsShow source
Staking / holding required for top rewards
YesShow source
Credit & financing
Credit line
YesShow source
Credit type
Crypto-backed creditShow source
Repayment
Settle balance monthlyShow source
Spend own balance directly
NoShow source
Spend by borrowing against collateral
YesShow source
Availability
Own IBAN / bank details
YesShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Funding with USDC as collateral
Airport lounge access
YesShow source
NoShow source
Travel / rental car insurance
NoShow source
Limits
ATM limit
€500Conditions apply: tap or hover for detailsShow source
Per month
Spending limit
€5,000Conditions apply: tap or hover for detailsShow source
Per day
Annual cost at 1,500 EUR/month
Moto Card
- Annual & monthly fees−4923 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
xPortal Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers