Crypto card review
The X Bank Card review: fees, limits and KYC
The X Bank Card is a physical and virtual card on the visa, mastercard network. It has no annual fee. It pays 0-0.8% cashback on spending.
Visa, MastercardVirtualPhysical
Crypto card fees on The X Bank Card, and what it offers
Three fields decide what The X Bank Card costs: the annual fee, the issuance fee and the top-up fee. For this card the dataset holds an annual fee of Free, an issuance fee of $200 and a top-up fee of Not supplied. Top-up is the one that recurs, because it is charged each time value is moved onto the card, which is why it costs more over a year than the annual fee usually does. The X Bank Card publishes no ATM limit, so the dash in that column means the dataset holds no value for it rather than that there is no limit.
| Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|
| Visa, Mastercard | Virtual, Physical | — | Free | $200 | — | 0-0.8% | — | Apple Pay, Google Pay | No |
A dash in this table means the provider dataset holds no value for that field. It does not mean the fee is zero. Fee and limit data was last updated 2026-10-02.
Where The X Bank Card is available
The provider lists as supported. Availability is the first thing to check, because a lower fee does not help if the provider will not issue to you.
The trade-offs on The X Bank Card
These are read straight off the fields in the table above, not opinions.
What works in your favour
- No annual card fee
- 0-0.8% cashback on spending
- Apple Pay and Google Pay supported
- Physical and virtual card
What costs you
- $200 card issuance fee
- No ATM withdrawal limit published
Cards to compare The X Bank Card against
Available in the country you are browsing from, on the same fields as the table above.
| Card | Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|---|
| Tria Card | Visa | Virtual, Physical | Required | Free | Free | Free | 1.5-6% | — | Apple Pay, Google Pay | Yes |
| CoinZoom Card | Visa | Virtual, Physical | Required | Free | $10 | 1.99% | 0.5-5% | $1,000 | Apple Pay, Google Pay | Yes |
| Ether.fi Card | Visa | Virtual, Physical | Required | Free | Free | Free | 2-3% | $10,000 | Apple Pay, Google Pay | Yes |
The X Bank Card in context
Cashback 0-0.8%, top-up Not supplied, annual fee Free. Provider terms change on their own schedule; confirm anything you rely on with the provider before you fund an account.