Head to head
Coinbase Card vs XPlace Card
You spend outside the US or hold more than one currency and you are weighing the annual fee against the conversion fee.
What the difference costs you
The same two fee tables, turned into money. Useful if you load funds more than a few times a year.
- Load $1,000 onto each card. Coinbase Card charges $24.9 to load it, against XPlace Card charges $20 to load it. That is $4.9 more on every single top-up.
Where the two actually differ
- Coinbase Card returns more cashback on spending, up to 4%.
- XPlace Card charges less to load funds onto the card. If you add money regularly, that difference applies far more often than the annual fee does.
- Coinbase Card publishes an ATM withdrawal limit and XPlace Card does not, so you cannot tell from the dataset how much cash XPlace Card will release.
- Coinbase Card excludes fewer countries, so it is the one more likely to work in a second market.
- Coinbase Card accepts more assets directly, listed on its card page, which decides whether you have to convert before you spend.
Every line above is generated from the fields in the table below, so none of it is an opinion. Where a value is missing from the provider dataset, the difference is reported as unknown rather than as a win.
Coinbase Card fees vs XPlace Card fees, side by side
The crypto card fees, limits and verification rules both providers publish, on the same rows. A dash means the dataset holds no value for that field rather than that the value is zero.
| Card | Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|---|
| Coinbase Card | Visa | Virtual, Physical | Required | Free | Free | 2.49% | 0.5-4% | $1,000 · daily | Apple Pay, Google Pay | Yes |
| XPlace Card | Visa | Virtual, Physical | Required | Free | Free | 2% | 0-2% | — | Apple Pay, Google Pay | Yes |
Fee, limit and KYC data was last updated 2026-10-02.
Which one you should pick
Each line below is a case where that card beats the other one on a field both providers publish. Nothing here is an overall score.
Choose Coinbase Card if
- cashback is higher at 4% against 2%
- you want to spend without converting first, and it accepts 10 assets directly against 2
- you travel, and it excludes fewer countries than the other card does
Coinbase Card is a physical and virtual card on the visa network. It has no annual fee. It pays 0.5-4% cashback on spending. The provider requires identity verification before issuing it. The provider lists the United States as a supported region. Annual fee Free, top-up 2.49%, cashback 0.5-4%.
What Coinbase Card costs you
- 2.49% top-up fee
- Identity verification required
Choose XPlace Card if
- you load funds often, because top-up costs 2% against 2.49%
XPlace Card is a physical and virtual card on the visa network. It has no annual fee. It pays 0-2% cashback on spending. The provider requires identity verification before issuing it. The provider lists the United States as a supported region. Annual fee Free, top-up 2%, cashback 0-2%.
What XPlace Card costs you
- 2% top-up fee
- Identity verification required
- No ATM withdrawal limit published
Questions about Coinbase Card and XPlace Card
Answered from the same provider dataset as the table above. A question is left out rather than answered with “not published”.
- Which is cheaper, Coinbase Card or XPlace Card?
- Coinbase Card and XPlace Card both cost Free a year. The difference between them is in the fees that apply per transaction.
- Does Coinbase Card or XPlace Card require identity verification?
- Coinbase Card requires identity verification and XPlace Card requires identity verification.
- Can I use Coinbase Card and XPlace Card in the United States?
- Coinbase Card lists the United States as a supported region and XPlace Card lists the United States as a supported region.
- Which has the cheaper top-up fee, Coinbase Card or XPlace Card?
- XPlace Card charges 2% to load funds, against 2.49% for Coinbase Card.
- Which of Coinbase Card and XPlace Card pays cashback?
- Coinbase Card pays the most, up to 4%, against 2% for XPlace Card.
- Can I get a physical card from Coinbase Card or XPlace Card?
- Coinbase Card issues physical and virtual cards and XPlace Card issues physical and virtual cards.
- Does Coinbase Card or XPlace Card work with Apple Pay and Google Pay?
- Coinbase Card supports Apple Pay and Google Pay and XPlace Card supports Apple Pay and Google Pay.
- Which cryptocurrencies can I spend from Coinbase Card and XPlace Card?
- Coinbase Card accepts 10 directly (BTC, ETH, USDT, USDC, DOGE, DAI, XLM, LINK, UNI, AAVE) and XPlace Card accepts 2 (USDC, USDT), so an asset one of them does not list has to be converted before you spend it.
- Which card network do Coinbase Card and XPlace Card run on?
- Coinbase Card runs on visa and XPlace Card on visa.
Other options you are weighing
Available in the country you are browsing from.
| 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 |
Both cards are described from the provider dataset bit.pizza maintains, last updated 2026-10-02. Providers change their own fees and terms, so confirm anything you rely on with them directly.