Ripio Card vs xPortal Card
Crypto native
Crypto native
Verdict
- xPortal Card scores higher overall (5.0 vs 4.9 out of 10).
- Ripio Card is clearly stronger on: Fees, Cashback & rewards.
- xPortal Card is clearly stronger on: Availability, Product features.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Ripio Card is a good fit for
- Everyday spenders who want cashback
Stronger on: Fees, Cashback & rewards
xPortal Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Availability, Product features
★ 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 | Ripio Card | xPortal Card |
|---|---|---|
| Fees | 100 | 63 |
| Cashback & rewards | 41 | 1 |
| Availability | 3 | 70 |
| FX & international | 0 | – |
| Product features | 56 | 70 |
| Custody & security | 60 | – |
| Credit & financing | – | – |
| Limits & ATM | 20 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.8 | 3.3 |
| Best for Travel | 3.3 | 5.4 |
| Best for DeFi Users | 5.9 | 4.7 |
| Best for High Spenders | 4.6 | 3.6 |
| Best for Low Fees | 6.3 | 6.3 |
| Best for Beginners | 6.5 | 6.6 |
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
ActiveShow source
Limited availabilityConditions apply: tap or hover for detailsShow source
Crypto-asset services currently suspended (MiCA)
Card type
Prepaid cardShow source
Debit cardShow source
Network
VisaShow source
MastercardShow source
Custody model
CustodialShow source
Card issuer / program manager
Digipayments S.A.U. and Pomelo Fintech Services S.A.S. (co-issuers)Show source
Capital Financial Services S.A. (white-label issuer); program run by xPortal Equity AGShow source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
'Sem custo'
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
No maintenance cost
Physical card fee
FreeShow source
€9.99Conditions apply: tap or hover for detailsShow source
First physical card and each following one; plus delivery fee 5,99 EUR (Romania) or 12,99 (international, EEA only)
Virtual card fee
€3Conditions apply: tap or hover for detailsShow source
First three virtual cards are free; fourth and following cost 3 EUR issuing fee
Replacement fee
R$9.99Conditions apply: tap or hover for detailsShow source
From the second reissue
FX fee
5%Conditions apply: tap or hover for detailsShow source
Applied by the partner on foreign-currency card purchases
Crypto conversion fee
1.49%Conditions apply: tap or hover for detailsShow source
Crypto purchase via xMoney
ATM fee
R$6.90Conditions apply: tap or hover for detailsShow source
Rede24Horas ATM, per operation
Other fees & markups
Selling a digital asset to pay a card purchase: Ripio charges a commission for the sale (amount not stated)Show source
Delivery fee for physical card 5,99 EUR (Romania) or 12,99 (international, EEA only)Show source
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Paying with crypto; 0.5% paying with ARS
Max cashback
2%Conditions apply: tap or hover for detailsShow source
Promotional: 2% paid in USDT, ETH or BTC on purchases from balance in any digital asset, from 01/09/2024 until an end date Ripio will announce; 0.5% on purchases from BRL balance
0.5%Conditions apply: tap or hover for detailsShow source
Depending on EGLD/UTK staked
Cashback paid in
USDT, ETH or BTC (user's choice)Show source
EGLD / UTKShow source
Cashback type
CryptoShow source
CryptoConditions apply: tap or hover for detailsShow source
Cashback is transferred to the exchange provider to purchase virtual assets
Max cashback per month
R$500/monthConditions apply: tap or hover for detailsShow source
Monthly cashback limit
€30/monthConditions apply: tap or hover for detailsShow source
Monthly cashback cap at tier 5; lower tiers EUR 5/10/15/20
Cashback conditions
Participant must be 18+, EEA citizen and resident, registered xPortal user with minimum staked EGLD or SUI · Must also be a customer of exchange provider Cifralfabeto Lda · Only fully settled transactions qualify · Cashback paid weekly on Fridays for transactions older than 30 days; transfer only if at least EUR 1 · Program can be changed or terminated at any time; promotional pool EUR 10,000 first-come first-servedShow source
Staking / holding required for top rewards
YesShow source
Staking asset
EGLD or SUIShow source
Reward expiry / vesting
Cashback earned but not yet transferred is forfeited if the account is closedShow source
Reward exclusions
Funding of digital wallets, exchanges or other merchants · Misuse, fraudulent use or use contrary to the termsShow source
Financial services, money transfers, insurance, funding of cards and accounts, securities · Lotteries, gambling, tax payments, government services, subscriptions · ATM / POS cash withdrawals · Refunded / reversed transactions · Excluded MCCs such as 4829, 4900, 5734, 5947, 6012, 6051, 6211, 6300, 6513, 6532, 6540, 7372, 8999, 9222, 9311, 9399Show source
Availability
Available in
BrazilConditions apply: tap or hover for detailsShow source
Individuals 18+ resident and domiciled in Brazil
EEAConditions apply: tap or hover for detailsShow source
Cashback program eligibility: EEA citizens with domicile or habitual residence in an EEA Member State
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
NoConditions apply: tap or hover for detailsShow source
No cash withdrawals unless expressly enabled
YesShow source
Airport lounge access
NoShow source
Travel / rental car insurance
NoShow source
Limits
ATM limit
€500Conditions apply: tap or hover for detailsShow source
Per month
Spending limit
R$30,000Conditions apply: tap or hover for detailsShow source
Daily cumulative in-person purchases; e-commerce R$10,000 per day
€5,000Conditions apply: tap or hover for detailsShow source
Per day
Security & custody
Regulation / licences
Capital Financial Services S.A., electronic money institution authorized by the National Bank of RomaniaShow source
Annual cost at 1,500 EUR/month
Ripio Card
- Annual & monthly feesunknown
- FX costs−180 EUR
- Crypto conversion–
- ATM costs−14 EUR
- Cashback+360 EUR
- 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