Crypto card review
xHype Essential Card review: fees, limits and KYC
xHype Essential Card is a virtual card on the visa network. It costs $108 a year. The provider requires identity verification before issuing it. The provider lists the United States as a supported region.
VisaVirtualKYC required
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Crypto card fees on xHype Essential Card, and what it offers
Three fields decide what xHype Essential Card costs: the annual fee, the issuance fee and the top-up fee. For this card the dataset holds an annual fee of $108, an issuance fee of $10 and a top-up fee of 2.1%. 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. xHype Essential 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 | Virtual | Required | $108 | $10 | 2.1% | — | — | Apple Pay, Google Pay | Yes |
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 xHype Essential Card is available
The provider lists Worldwide as supported, and excludes North Korea, Iran, Cuba, Syria, Russia. Availability is the first thing to check, because a lower fee does not help if the provider will not issue to you.
What you can spend from xHype Essential Card
The provider supports these assets directly on the card: USDT. Anything not on that list has to be converted before you spend it, and the conversion fee applies.
The trade-offs on xHype Essential Card
These are read straight off the fields in the table above, not opinions.
What works in your favour
- Apple Pay and Google Pay supported
What costs you
- $108 annual card fee
- $10 card issuance fee
- 2.1% top-up fee
- Identity verification required
Cards to compare xHype Essential 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Plasma One | Visa | Virtual, Physical | Required | Free | Free | Free | 2% | — | Apple Pay, Google Pay | Yes |
| Kardpay Card | Mastercard | Virtual | — | Free | $29 | 5% | 0-2% | $1,500 · daily | — | Yes |
| Zero Fiat Browser Extension | Mastercard | Virtual | Not required | Free | Free | Free | 1% | — | — | Yes |
xHype Essential Card in context
Cashback Not supplied, top-up 2.1%, annual fee $108. Provider terms change on their own schedule; confirm anything you rely on with the provider before you fund an account.