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Xplace Card vs Crypto.com Visa Card: 2026 Comparison

Comparing Xplace Card and Crypto.com Visa Card on fees, cashback, custody, and where each card is available.

Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way. Read our editorial disclosure.

The short version:

Xplace scores 4.6/5 on the Sweepbase formula and Crypto.com scores 3.7/5, a gap of 0.9 points. The Strengths row in the table lists what each card is credited for. What moves the score for Xplace: self-custody, up to 2% cashback.

Xplace:
Crypto.com:

Side by side

Side-by-side comparison of Xplace Card, Crypto.com Visa Card. Scroll horizontally to see all columns.
Feature

Xplace Card 4.6 out of 5, Sweepbase rating

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Crypto.com Visa Card 3.7 out of 5, Sweepbase rating

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Overview
Card typeVirtual + Physical. Physical cards are live for Silver; Gold and Platinum physical cards are coming soonVirtual + Physical
NetworkVisa CreditVisa
Custody Strength: Self-custodyCustodial
Costs
Issuance fee Strength: Free Strength: Free (virtual card, the regional fee schedules price only the physical card)
The fine print
  • Physical Basic card €4.99 / £4.99 / US$4.99 / C$4.99
  • Physical Plus card free for annual subscribers, monthly subscribers of 6+ consecutive months or lockup holders, otherwise €24.99 / £24.99 / US$29.99 / C$39.99
  • Replacement €50 / £50 / US$50 / C$70 (Basic €45.01 / £45.01 / US$7 / C$10)
Annual feeBasic free; Silver $99/yr; Gold $249/yr; Platinum $999/yr Strength: Free (Basic)
The fine print
  • Plus €3.99/month or €39.90/year (£3.99, US$4.99, CA$6.99 monthly) or a 12-month CRO lockup of €450 / £400 / US$500 / CA$650
  • Pro €24.99/month or €249.90/year (£24.99, US$29.99, CA$39.99 monthly) or a lockup of €4,500 / £4,000 / US$5,000 / CA$6,500
  • Private tiers by 12-month CRO lockup only: Icy-Rose €45,000 / £40,000 / US$50,000 / CA$65,000, Obsidian €450,000 / £400,000 / US$500,000 / CA$650,000
FX fee1% on Basic, 0.5% on Silver, 0.25% on Gold, 0% on Platinum ($999/yr)2% on foreign-currency spending outside the EU and UK for Basic cardholders in the EEA and UK…
The fine print
  • … (0.2% on other EU and UK currencies inside the EU and UK), 3% on non-USD spending on every tier below Private in the US, and 2% on non-CAD spending for Basic in Canada
  • From 1 October 2026 EEA/UK Plus and Pro also pay 0.2% inside the EU and UK, and outside it spend is free up to €400 / £400 a month on Plus and €800 / £800 on Pro, then 2% (until 30 September 2026 Plus and Pro pay no FX fee)
  • Canada Plus is free up to CA$700 a month and Pro up to CA$1,400, then 2% (since 1 September 2026)
  • Private tiers (Icy-Rose, Obsidian) pay no FX fee anywhere
Rewards
Cashback Strength: Up to 2% (Tiers) Strength: Up to 4.5% prepaid; up to 6% on the US credit card
Yield on spendable balanceNoThe issuer pays yield, but in a separate productNoThe issuer pays yield, but in a separate product
Access
Apple / Google Pay Strength: Yes (Apple Pay; Google Pay) Strength: Yes (Apple Pay; Google Pay; Samsung Pay; Curve)
Bank account in your nameNo Strength: SEPA yes (EEA + Switzerland only: UK is NOT eligible for the EUR Account)
The fine print
  • App gives 'personal bank transfer details' for EUR deposits, but Crypto.com never states this is a dedicated IBAN in the user's own name
  • EUR deposits are SEPA-only, no SWIFT
Daily spend limitBased on collateral and tierAvailable; varies by tier and region
ATM withdrawal limitNot available (no cash advances or ATM withdrawals)€200-€1,000 a month free by tier in the EEA (£180-£900 UK, US$200-US$1,000 US), 2% after
The fine print
  • Daily cap €2,000 on every EEA tier (£1,800 UK), US$500-US$2,000 US, C$700-C$2,500 Canada
  • The Canadian fee schedule publishes no free ATM allowance
Top-up methodsBTC (cbBTC), ETH (wETH), SOL, JitoSOL, USDC, USDT and xStocks tokenized equities on Solana (collateral for borrowing)150+ cryptocurrencies including BTC, ETH, CRO, USDC, USDT
RegionsNo published availability list - x.place documents geography only by exclusion
The fine print
  • Operator: Pontech Group L.L.C-FZ
  • Issuer Third National, named once in each of the US and international card terms, which is the same rail Hyperbeat runs on and the reason both publish an identical blocklist
  • Prohibited: Belarus, China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam
  • Its own two lists of barred US states disagree - 16 in the terms against 19 on the Prohibitions page
  • The 160+ figure is Visa acceptance rather than availability: the homepage reads Visa cards are accepted in 160+ countries
36 countries: USA excl. New York and the five US territories, UK, EU, Switzerland, Norway, Iceland, Canada, Australia…
The fine print
  • … Singapore, Brazil
  • Crypto.com publishes no single global list
  • 36 is a floor, since its own fee schedules also cover select LATAM markets and a separate prepaid Mastercard in Bahrain and select GCC markets
Behind the card
Card issuerThird National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policyNamed in the card termsForis Group (Crypto.com), UK + Malta + Australia + SingaporeNamed in the card terms
Our read
Strengths
  • You hold the keys
  • Free issuance
  • Cashback: Up to 2% (Tiers)
  • Apple Pay and Google Pay
  • Virtual and physical
  • No issuance or annual fee
  • Cashback: Up to 4.5% prepaid; up to 6% on the US credit card
  • Apple Pay and Google Pay
  • Bank account in your name
  • Virtual and physical
Trade-offsNothing flagged by these checks
  • Issuer holds your funds

Which scores higher

Xplace leads on the formula, but the score is a sum, and Crypto.com wins some of its terms: Crypto.com charges nothing to issue or hold the card, and Xplace does. If one of those is the thing you care about, read that row above before the score.

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Xplace vs Crypto.com: FAQ

Xplace Card scores higher on the Sweepbase formula, at 4.6/5. What moves the score: self-custody, up to 2% cashback. The formula does not know where you live or how you spend, so check availability and fees for your own case.

Xplace Card: issuance Free, annual Basic free, FX 1% on Basic, 0.5% on Silver, 0.25% on Gold, 0% on Platinum… Crypto.com Visa Card: issuance Free (virtual card, the regional fee schedules price only…), annual Free (Basic), 2% on foreign-currency spending outside the EU and UK for… You can compare total annual cost using our fee calculator.

Xplace Card: Up to 2% cashback. Crypto.com Visa Card: Up to 4.5% prepaid; up to 6% on the US credit card cashback. Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Xplace Card: Self-custody. Crypto.com Visa Card: Custodial. Xplace Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.

Xplace Card supports Apple Pay and Google Pay. Crypto.com Visa Card supports Apple Pay and Google Pay.

Xplace Card: no published availability list. Crypto.com Visa Card: 36 countries. Check each card's detail page for the full country list.

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