Xapo Bitcoin Debit Card: Global Spending + 1% BTC Rewards
If you’re a Bitcoin holder who values security, global access, and real Bitcoin rewards, the Xapo Bank Bitcoin Debit Card might be your next favorite financial tool. Earn up to 1% cashback with your sleek metal card, or up to 0.5% with your virtual or PVC card, all paid out in Bitcoin.
Built by Xapo Bank—a fully licensed private bank and Virtual Asset Service Provider (VASP) regulated in Gibraltar—this card goes far beyond crypto gimmicks. It brings together the best of traditional banking and Bitcoin-native rewards for those serious about growing and preserving wealth.
What Makes the Xapo Bitcoin Debit Card Unique?
1% Unlimited Cashback in Bitcoin
Every time you swipe your Xapo debit card, you earn up to 1% cashback in Bitcoin—real sats, not points or a random token. This reward is automatically deposited into your BTC wallet inside the Xapo Bank app.
Whether you’re spending on everyday purchases or high-ticket items, there’s no limit to the amount of Bitcoin you can earn. Plus, your BTC cashback compounds as you continue to hold it.
Spend Globally with No Foreign Transaction Fees
The Xapo card is optimized for global usage, working in over 100 countries with no FX fees. You can spend in USD or Bitcoin and even withdraw cash from ATMs, with generous limits. It’s a premium experience that feels like carrying your Bitcoin wallet anywhere in the world.
BTC Rewards, USD Stability
Not only can you spend and earn in Bitcoin, but Xapo also offers attractive savings rates:
- 3.9% APY on USD deposits, paid daily in Bitcoin
- 0.5% APY on BTC holdings (up to 5 BTC)
This gives you a way to grow your BTC stack while parking cash in a stable USD savings account—ideal for those looking to preserve capital without exiting the crypto market.
Bitcoin-Backed Loans Up to $1M
Need access to liquidity but don’t want to sell your Bitcoin? Xapo’s Bitcoin-backed loans let you borrow up to $1 million with no fees, no rehypothecation, and LTVs between 20–40%. Loan proceeds are instantly available in your account for spending or transfer, and repayments are flexible with no early settlement penalties.
This makes it easy to tap into your Bitcoin wealth without triggering potential taxable events or exiting your long-term position.
Institutional-Grade Security
Founded in 2013, Xapo has been a pioneer in Bitcoin custody. All BTC is held in secure vaults, never lent out or rehypothecated. Your assets are protected under a regulated banking framework, giving you peace of mind in both bull and bear markets.
Who Is This For?
Xapo Bank is built for globally-minded Bitcoin holders who want more than just another exchange account. It’s especially well-suited for:
- High-net-worth individuals with significant BTC holdings
- Investors seeking long-term BTC exposure plus yield
- Entrepreneurs and remote workers who need global banking flexibility
- Bitcoiners who need liquidity without selling
The Premium Experience (and Why It’s Worth It)
To access Xapo’s full suite of services—including the debit card, BTC cashback, high-interest savings, and Bitcoin-backed loans—you’ll need a premium membership. While the yearly cost may be a consideration, members gain access to services typically reserved for institutional clients: tight trading spreads, no trading fees, and top-tier support.
You can apply for Xapo Bank membership here.
Final Thoughts
If you’re serious about growing your BTC stack while maintaining flexibility and security, Xapo’s Bitcoin Debit Card is in a class of its own. It’s more than a card—it’s a Bitcoin-native private banking experience. And with real Bitcoin rewards on every swipe, it might just be the best way to spend and save at the same time.
Learn more at xapobank.com.
