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Bleap vs XPlace Card

Bleap

Crypto native

8.4
Get the card
XPlace Card

Crypto native

6.6
Get the card

Verdict

  • Bleap scores higher overall (8.4 vs 6.6 out of 10).
  • Bleap is clearly stronger on: Cashback & rewards, Custody & security.
  • XPlace Card is clearly stronger on: Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bleap is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Frequent travellers

Stronger on: Cashback & rewards, Custody & security

XPlace 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

Stronger on: Credit & financing

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesBleap vs ether.fi CashXPlace Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBleapXPlace Card
Fees100100
Cashback & rewards5636
Availability100–
FX & international100–
Product features7070
Custody & security9580
Credit & financing3075
Limits & ATM100–
Transparency100100
Best for Cashback7.65.6
Best for Travel9.3n/a
Best for Self-Custody8.87.3
Best for DeFi Users7.67.2
Best for Stablecoins8.77.1
Best for High Spenders7.45.8
Best for Low Fees10.08.0
Best for Beginners8.87.7
Best Crypto Credit Cardn/a7.6

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
ActiveConditions apply: tap or hover for detailsShow source

Silver physical cards live; Gold and Platinum physical cards coming soon

Card type

Debit cardShow source
Debit card, Crypto-backed creditShow source

Network

MastercardShow source
VisaShow source

Custody model

Self-custodyShow source
Self-custodyShow source

Card issuer / program manager

Unlimit EU Ltd (programme: Bleap Finance Sp. z o.o.)Show source
Third National; programme managed by Signify Holdings, Inc. (Rain)Show source

Tiers / plans

No data yet
Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/year)Show source

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

From the comparison table

FreeConditions apply: tap or hover for detailsShow source

Basic plan; Silver $99, Gold $249, Platinum $999 a year

Monthly fee

FreeShow source
No data yet

Physical card fee

FreeShow source
No data yet

FX fee

0%Show source
No data yet

Crypto conversion fee

0%Show source
No data yet

ATM fee

FreeConditions apply: tap or hover for detailsShow source

Free ATM withdrawals worldwide up to EUR 400 per month (cap per FAQ); ATM operator surcharges may apply

No data yet

Free ATM allowance

€400/monthConditions apply: tap or hover for detailsShow source

Per month; page says the limit is increasing soon

No data yet

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Default rate on all eligible purchases; higher category/merchant rates apply

0.5%Conditions apply: tap or hover for detailsShow source

Basic plan, Credit Mode

Max cashback

20%Conditions apply: tap or hover for detailsShow source

Up to; eligible purchases only — conditions not specified

2%Conditions apply: tap or hover for detailsShow source

Platinum plan ($999/year), Credit Mode

Cashback paid in

USDCShow source
USDCShow source

Cashback type

StablecoinShow source
StablecoinShow source

Interest on balance

4%Conditions apply: tap or hover for detailsShow source

USD balances via Bleap savings feature, variable; homepage separately advertises up to 8% APY saving plans (plan/lock-up conditions not stated on fetched page)

6.15%Conditions apply: tap or hover for detailsShow source

Variable vault APY via Kamino Finance (Solana vault; USDT 3.26%, BTC 5.43%)

Cashback-eligible spend cap

€3,000/monthConditions apply: tap or hover for detailsShow source

Default 1% category: max eligible payment 3000€ per month and 500€ per transaction; category caps differ

No data yet

Cashback conditions

Earned only once an eligible transaction has settled · Earned automatically, no opt-in · Subject to fair usage caps on eligible payment amount per transaction/month/yearShow source
Rates apply to Credit Mode: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%Show source

Staking / holding required for top rewards

NoConditions apply: tap or hover for detailsShow source

No staking and no subscription required

No data yet

Reward exclusions

Money transfers · Financial services · Gambling · Tax payments · Gift cards and cash-like transactions · Utilities · Excluded MCCs (e.g. 6010, 6011, 4900, 5734, 7372)Show source
No data yet

Credit & financing

Credit line

NoShow source
YesShow source

Credit type

NoneShow source
Crypto-backed creditShow source

Collateral assets

No data yet
BTC · ETH · SOL · JitoSOL · USDT · Tokenized stocksShow source

Max loan-to-value

No data yet
80%Conditions apply: tap or hover for detailsShow source

Tether vault; SOL and BTC 65%, ETH 70%

Liquidation risk

No data yet
YesShow source

Spend own balance directly

YesShow source
YesShow source

Spend by borrowing against collateral

No data yet
YesShow source

Availability

Available in

EEA, SwitzerlandConditions apply: tap or hover for detailsShow source

Card not issued to holders of certain nationalities (incl. US, Turkey, UAE) regardless of residence

No data yet

Account / spend currencies

EUR · USDShow source
No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesConditions apply: tap or hover for detailsShow source

Ships separately

YesConditions apply: tap or hover for detailsShow source

Silver plan; Gold and Platinum coming soon

Virtual card

YesConditions apply: tap or hover for detailsShow source

Issued instantly in-app

YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Free up to €400 per month

No data yet

Spend stablecoins

YesShow source
YesShow source

Airport lounge access

No data yet
NoConditions apply: tap or hover for detailsShow source

Basic plan; Silver 1, Gold 4 visits a year, Platinum unlimited

Spendable assets

No data yet
BTC (cbBTC) · ETH (wETH) · SOL · JitoSOL · USDC · USDT · xStocks (tokenized equities)Show source

Blockchains

Solana · Base · ArbitrumShow source
SolanaShow source

Limits

Spending limit

No data yet
$2,000Conditions apply: tap or hover for detailsShow source

Per month, Basic plan; up to $750,000 on Platinum

Security & custody

Regulation / licences

MiCA CASP licence No. 27-55/2026/14 (Bleap SIA, Latvijas Banka)Show source
No data yet

Annual cost at 1,500 EUR/month

Bleap

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+180 EUR
  • Net annual value180 EUR

XPlace Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+90 EUR
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Bleap comparisons

More XPlace Card comparisons