UGLYCASH Card vs xPortal Card
Crypto native
Crypto native
Verdict
- UGLYCASH Card scores higher overall (5.1 vs 5.0 out of 10).
- UGLYCASH Card is clearly stronger on: Fees, Cashback & rewards.
- xPortal Card is clearly stronger on: Product features.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
UGLYCASH Card is a good fit for
- No specific audience can be derived from the published data yet.
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: 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 | UGLYCASH Card | xPortal Card |
|---|---|---|
| Fees | 100 | 63 |
| Cashback & rewards | 24 | 1 |
| Availability | – | 70 |
| FX & international | 0 | – |
| Product features | 35 | 70 |
| Custody & security | – | – |
| Credit & financing | – | – |
| Limits & ATM | 58 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.4 | 3.3 |
| Best for Travel | 4.0 | 5.4 |
| Best for DeFi Users | 5.1 | 4.7 |
| Best for High Spenders | 4.2 | 3.6 |
| Best for Low Fees | 6.9 | 6.3 |
| Best for Beginners | 6.4 | 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
Debit cardShow source
Network
VisaShow source
MastercardShow source
Card issuer / program manager
BFF Cards, LLCConditions apply: tap or hover for detailsShow source
Holds an OCIF (Puerto Rico) ruling letter authorizing card issuance activities
Capital Financial Services S.A. (white-label issuer); program run by xPortal Equity AGShow source
Fees
Physical card fee
€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
FX fee
2.5%Conditions apply: tap or hover for detailsShow source
Rest of the world 2.5%; Colombia 1%; Mexico 0.66%
Crypto conversion fee
1.49%Conditions apply: tap or hover for detailsShow source
Crypto purchase via xMoney
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
crypto deposits free (subsidized)
Crypto withdrawal fee
$1Conditions apply: tap or hover for detailsShow source
USD 1 under $100, USD 2 at $100 or more, plus network fee; eUSD/hyUSD/USD3 on Base free
ATM fee
$2.50 + 1%Conditions apply: tap or hover for detailsShow source
Rest of world and AR/BO; El Salvador & Ecuador USD 2.50 + 2%; Mexico USD 2.50 + 1.35%; plus ATM operator fee
Transfer fee
1% (min. $3)Conditions apply: tap or hover for detailsShow source
US ACH send, rest of world; max USD 20; Colombia/Argentina USD 3 flat
Other fees & markups
Ridiculously Exclusive membership: $20/month, includes 4 free deposit/withdrawal transactions per 30 days (do not roll over) · Metallic card purchased separatelyShow source
Delivery fee for physical card 5,99 EUR (Romania) or 12,99 (international, EEA only)Show source
Cashback & rewards
Max cashback
6%Conditions apply: tap or hover for detailsShow source
Up to, boosted
0.5%Conditions apply: tap or hover for detailsShow source
Depending on EGLD/UTK staked
Cashback paid in
Reserve Rights (RSR)Show source
EGLD / UTKShow source
Cashback type
Platform tokenShow source
CryptoConditions apply: tap or hover for detailsShow source
Cashback is transferred to the exchange provider to purchase virtual assets
Max cashback per month
€30/monthConditions apply: tap or hover for detailsShow source
Monthly cashback cap at tier 5; lower tiers EUR 5/10/15/20
Cashback conditions
Members earn 1% base cashback on every card purchase, paid weekly · 2% total at $1,000+ 30-day trading volume, 4% at $10,000+, 6% at $20,000+ · Top-up paid at end of 30-day cycle, even if membership is not renewed · Once spending reaches $2,000, rate returns to 1% for the rest of the monthConditions apply: tap or hover for detailsShow source
Ridiculously Exclusive membership
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
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
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
Google Pay
YesShow source
Physical card
NoConditions apply: tap or hover for detailsShow source
Physical metal card under development, limited availability to active members later
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
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
€5,000Conditions apply: tap or hover for detailsShow source
Per day
Security & custody
Regulation / licences
FinCEN MSB registrations (BFF Prime, BFF United, BFF Classic) · OCIF Puerto Rico ruling letter for card issuance (BFF Cards, LLC) · US money transmission via Bridge Building Inc NMLS # 2450917 · Mexico virtual-asset registration (Rpay México) · El Salvador Bitcoin Service Provider and Digital Asset Service Provider (BFF El Salvador)Show source
Capital Financial Services S.A., electronic money institution authorized by the National Bank of RomaniaShow source
Annual cost at 1,500 EUR/month
UGLYCASH Card
- Annual & monthly feesunknown
- FX costs−90 EUR
- Crypto conversion–
- ATM costs−39 EUR
- 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