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There are dozens of crypto cards — most with high fees, hidden markups or a bank requirement. Here's what actually matters when choosing one, and how the XSPA Visa card compares.
Low total fees (including hidden conversion markups), wide acceptance, the coins you actually hold, no bank requirement, strong security and compliance, and extras like family cards. Here's how to weigh them.
| Card | Fee per top-up | No bank needed | Family cards |
|---|---|---|---|
| XSPA Crypto Card | 1.99% | Yes | 5 + 5 |
| Industry average | 3.50% | Sometimes | Rare |
| Other crypto cards | up to 4.99% | Sometimes | Rare |
1.99% per top-up with no hidden conversion spread.
Funded entirely by crypto — no account, no credit check.
Top up with BTC, ETH, SOL, USDT, USDC, BNB, POL, TRX.
5 physical + 5 virtual cards from a single verification.
Your keys, your crypto — the card sits on top of a non-custodial wallet.
200+ countries plus ATM withdrawals.
The best crypto card combines low real fees, wide acceptance, the coins you hold, no bank requirement and strong security. XSPA scores on all of these with a 1.99% fee, 200+ countries and no bank account needed.
XSPA charges 1.99% per top-up — among the lowest available — with no hidden conversion markup, compared to 3.5%–4.99% on many competitors.
Some do, but XSPA does not. It's funded directly with crypto, so no bank account or credit check is required.
With XSPA, yes — one verification unlocks 5 physical and 5 virtual cards to share, which is rare among crypto cards.
Experience fast, secure, and borderless payments. Send and receive money globally with just a few taps.