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MEXC Global Card vs Xapo Bank Card

MEXC Global Card

Crypto native

6.0
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Xapo Bank Card

Crypto enabled

5.4
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Verdict

  • MEXC Global Card scores higher overall (6.0 vs 5.4 out of 10).
  • MEXC Global Card is clearly stronger on: Fees, Cashback & rewards, Transparency.
  • Xapo Bank Card is clearly stronger on: Custody & security.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

MEXC Global Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: Fees, Cashback & rewards, Transparency

Xapo Bank Card is a good fit for

  • Frequent travellers

Stronger on: Custody & security

★ 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 & sourcesMEXC Global Card vs ether.fi CashXapo Bank Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionMEXC Global CardXapo Bank Card
Fees8849
Cashback & rewards5524
Availability7–
FX & international100100
Product features5653
Custody & security6075
Credit & financing3030
Limits & ATM–62
Transparency10086
Best for Cashback6.04.3
Best for Travel7.26.8
Best for DeFi Users6.2n/a
Best for Stablecoins7.8n/a
Best for High Spenders6.64.8
Best for Low Fees8.76.9
Best for Beginners6.45.7
Best E-Money Cardn/a6.6

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
ActiveShow source

Card type

Prepaid cardConditions apply: tap or hover for detailsShow source

Funded with USDT from the MEXC Fiat account

Debit cardShow source

Network

VisaShow source
No data yet

Custody model

CustodialShow source
CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

Launch date

2026-08-31Show source
No data yet

Card issuer / program manager

MEXCConditions apply: tap or hover for detailsShow source

Page describes MEXC Cards as issued by MEXC; no licensed issuing bank named

No data yet

Tiers / plans

Standard (M-Score 350–599) · Premium (M-Score 600–799) · Elite (M-Score 800+)Show source
No data yet

Fees

Annual fee

FreeShow source
$1,000/yearConditions apply: tap or hover for detailsShow source

Xapo Bank membership, card included

Physical card fee

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

Card included in the membership; additional replacement card in a year 25 USD

Virtual card fee

FreeConditions apply: tap or hover for detailsShow source

Standard USD 20 issuance fee waived for a limited time

No data yet

FX fee

0%Conditions apply: tap or hover for detailsShow source

Visa exchange rate without markup (the 1% transaction fee still applies)

0%Conditions apply: tap or hover for detailsShow source

Network exchange rate, no Xapo markup

Crypto conversion fee

0%Show source
0.1%Conditions apply: tap or hover for detailsShow source

Spread when spending from the BTC wallet

Top-up fee

FreeShow source
No data yet

ATM fee

No data yet
2%Conditions apply: tap or hover for detailsShow source

Outside Gibraltar, above the free monthly allowance; operator fees separate

Free ATM allowance

No data yet
$100/monthShow source

Settlement fee

1%Conditions apply: tap or hover for detailsShow source

On every purchase, MEXC Global Card

No data yet

Small transaction fee

$0.10Conditions apply: tap or hover for detailsShow source

Transactions under 1 USD (MEXC Global Card)

No data yet

Other fees & markups

Failed transactions: 0.5 USD each when the failed-transaction rate is 20% or moreShow source
No data yet

Cashback & rewards

Max cashback

10%Conditions apply: tap or hover for detailsShow source

Elite tier (M-Score 800+); 6% Premium, 4% Standard

1%Conditions apply: tap or hover for detailsShow source

Up to, on qualifying purchases

Cashback paid in

USDTShow source
BTCShow source

Cashback type

StablecoinShow source
CryptoShow source

Interest on balance

7%Conditions apply: tap or hover for detailsShow source

APR in the exclusive MEXC Global Card Earn program (flexible)

4.1%Conditions apply: tap or hover for detailsShow source

Standard variable rate on USD Savings product (not card balance), paid daily in BTC; promo 4.6% for first-time members

Max cashback per month

$800/monthConditions apply: tap or hover for detailsShow source

800 USDT, Elite tier; 300 USDT Premium, 100 USDT Standard

No data yet

Cashback conditions

Rate set by the M-Score tier on the last day of the month · Paid by the 15th of the following month · Refunded or reversed purchases do not countShow source
No data yet

Reward exclusions

Refunded or reversed transactionsConditions apply: tap or hover for detailsShow source

Cashback already credited for these transactions is deducted

No data yet

Credit & financing

Credit line

NoShow source
NoShow source

Availability

Available in

Philippines, TW, VietnamConditions apply: tap or hover for detailsShow source

Among others; MEXC does not publish the full list

No data yet

Not available in

United States, CN, India, Indonesia, Turkey, RUConditions apply: tap or hover for detailsShow source

Partial list as of August 2026; dozens of smaller jurisdictions are also on the application blacklist, which changes over time

No data yet

Features

Apple Pay

YesShow source
No data yet

Google Pay

YesShow source
No data yet

Physical card

NoConditions apply: tap or hover for detailsShow source

Virtual-only at launch; MEXC plans a physical card at a later stage

YesConditions apply: tap or hover for detailsShow source

Complimentary metal card with the membership

Virtual card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Included in the membership (metal, standard and virtual cards)

ATM withdrawals

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

Free up to USD 100 per month, then 2%

Spend stablecoins

YesShow source
NoConditions apply: tap or hover for detailsShow source

USDC/USDT deposits convert automatically to USD; the card spends USD or BTC

Spendable assets

USDTConditions apply: tap or hover for detailsShow source

Card is funded with USDT via the MEXC Fiat account

No data yet

Limits

ATM limit

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

Per day

Spending limit

$1,000,000Conditions apply: tap or hover for detailsShow source

Per day; 80,000 USD per transaction

No data yet

Security & custody

Regulation / licences

No data yet
Xapo Bank Limited: credit institution regulated by the GFSC (Permission No. 23171) · USD deposits covered by the Gibraltar Deposit Guarantee Scheme up to GBP 120,000 · crypto via Xapo VASP Limited (GFSC DLT Provider, No. 26061)Show source

Annual cost at 1,500 EUR/month

MEXC Global Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • Per-transaction fees−180 EUR
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

Xapo Bank Card

  • Annual & monthly fees−893 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−3 EUR
  • Cashbackunknown
  • Net annual valuenot enough data

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

More MEXC Global Card comparisons

More Xapo Bank Card comparisons