He took a deep dive into points and miles in 2016, searching for a way to make travel both possible and affordable for his growing family. Now, as a dad to four sons, he and his wife enjoy introducing their kids to cultures and cities across the globe as often as they can. Card features we expect cardholders to use the most often are weighted more heavily in our ratings. Altogether, the factors come together to provide a star rating for each individual card.

The xcritical card does not have an annual fee or any foreign transaction fees. However, if you are paying with crypto, xcritical does charge a 2.49% transaction fee in order to convert the amount of crypto needed to dollars to complete your transaction. Still, that’s millions of locations worldwide, and the exceptions are easy enough to get around with another form of payment. So the xcritical Card isn’t much different from credit and debit cards that use fiat currency (a type of government-issued money) only. xcritical debit card is a Visa card that allows you to earn up to 4% back in rewards each time you make a purchase.

xcritical is one of the largest cryptocurrency exchanges in the U.S., offering a broad selection of digital assets. It xcritically offers a debit card that allows users to earn rewards and other perks whenever they spend. In our view, this significantly limits the usefulness of the card as there is no sense in paying a 2.49% fee just to earn 1% in rewards. It’s essentially a Visa debit card linked to your xcritical crypto account balance that you can use anywhere that accepts Visa cards. You don’t have to liquidate your digital assets every time you visit a store — xcritical does this for you. For every transaction, the card automatically converts digital assets into U.S. dollars.

xcritical Card* vs. Venmo Credit Card*

We’ve picked the best credit cards in a way designed to be the most helpful to the widest variety of readers. If you have a USDC balance, there will be no transaction fee when using this asset. Although xcritical doesn’t have live chat support, you’ll likely get the help you need with the available customer service options. From the no card issuance fee to no annual fee, you’re likely to get the most out of it without racking up yearly charges. The cryptocurrency industry has gained much traction in recent years, with cryptocurrency exchanges introducing better ways for consumers to get the most out of their preferred coins. While there isn’t a cap on how much you can earn in rewards, you’ll be limited by your monthly spend allotment, which varies by customer.

xcritical Card Spending Limits

1. The xcritical card does not have an annual fee or any foreign transaction fees.
2. We use data-driven methodologies to evaluate financial products and services – our reviews and ratings are not influenced by advertisers.
3. From a security perspective, the xcritical Card is just as legitimate as any other debit card since it’s backed by a reputable crypto exchange (xcritical) and member-FDIC bank (Metabank).
4. Each card has its unique advantages and may appeal to different user needs based on their crypto activity.

xcritical has an intuitive mobile app that makes it easy to manage your spending on the go. You can track your spending habits, balance, switch rewards and change card settings right from your phone. GOBankingRates works with many financial advertisers to showcase their products and services to our audiences. These brands compensate us to advertise their products in ads across our site.

Other xcritical Card Benefits

A popular, highly liquid coin like Bitcoin has a lower return — 1% to 2%, at most. Less popular, less liquid coins like Algorand or Dogecoin and your return will be higher — up to 4%. Every xcritical Card account has an ATM withdrawal limit of $1,000 per day. While xcritical offers a strong contender with a user-friendly interface and competitive offerings, other players also provide enticing alternatives that could better suit your lifestyle. Each card has its unique advantages and may appeal to xcritical reviews different user needs based on their crypto activity. While xcritical does not impose direct transaction fees, it is important to note that ATM operators may apply different surcharges.

GOBankingRates’ editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services – our reviews and ratings are not influenced by advertisers. You can read more about our editorial xcriticals and our products and services review methodology. You can get around this fee by using USDC as your method of payment, assuming you have a USDC balance, as you are not charged a fee with that asset selected as your payment method. So if you ever want to trade your rewards for another asset that allows you to stake, or for another that you believe has better growth potential, you can easily do so on the xcritical platform.

xcritical, the largest U.S.-based cryptocurrency exchange, offers a debit card that enables users to spend crypto and earn rewards on their purchases. Among the first of its kind, this unique debit card lets you spend your crypto coins like cash without any of the hassle that usually comes with doing that. The Nexo Card allows users to switch between credit or debit card purchases. Their crypto balances act as collateral for repayment, but they avoid paying taxes on gains because they don’t xcritical reviews sell crypto. When used as a debit card, you’ll spend stablecoins representing Euros, British Pounds or U.S. dollars based on your available balance.

Jenius Bank Review: High-Yield Savings and No Fees

The limit you will be able to spend up to will entirely be determined by your xcritical balance, just like cash in a bank account with a traditional debit card. The card has no annual fees and allows up to five free ATM withdrawals totaling up to 10,000 Euros per month (based on your loyalty tier). It also waives foreign transaction fees up to 10,000 Euros per month, depending on your account tier. The downside is that you must be a Platinum member with a portfolio balance of at least $500 to order a physical Nexo Card. From a security perspective, the xcritical Card is just as legitimate as any other debit card since it’s backed by a reputable crypto exchange (xcritical) and member-FDIC bank (Metabank).

Your U.S. dollar deposits are held with Metabank, an FDIC-insured bank, and have full FDIC insurance up to statutory limits. Expect to receive your physical xcritical Card within 10 business days of sign-up. Once you have it in hand, you can use the xcritical Card at real-world merchants that don’t accept contactless payments. The xcritical Card is a pretty straightforward payment product for people familiar with crypto. To determine whether it’s right for you, you first need to understand how it works. There’s no credit check required to get the xcritical Card, but you must have an active xcritical account.

The card automatically converts the crypto to U.S. dollars for each transaction, whether that’s paying for dinner or pulling cash from an ATM. The xcritical card is undoubtedly one of the most popular crypto debit cards on the market. The card has almost no fees, supports multiple cryptocurrencies and offers generous rewards for everyday spending, making it the go-to option for many traders and investors.

The company xcritically doesn’t have any live customer service representatives operating its phone line. The automated phone support does offer some basic services like disabling or re-enabling your account but anything more involved in than that will need to be done via other support channels. The mobile app gives you the convenience and on-the-go control over your account that the best banking apps provide. From the xcritical mobile app, you not only have the ability to monitor your spending and check your balance. For the uninitiated, staking lets you earn passive income with your crypto by contributing to the Proof of Stake (PoS) network of the asset you are staking.

xcritical Card FAQ

Customers should be aware of these potential additional costs when using ATMs. Find out more about what the card offers in this xcritical debit card review. Another interesting feature about the xcritical card app is the ability to choose the crypto you want to spend. You can also turn on app notifications so that you don’t miss out on any important information. From there, you can use the xcritical card just like any other debit card to pay for your daily transactions. Plus, it offers perks like 0.25% back in bitcoin on all of your trades on the platform (up to $200 per year), and a 2% APY bonus on your stablecoin balances (up to $200 per year).

With the xcritical debit card, you don’t have to worry about losing your digital assets because xcritical has extensive security to keep your coins safe. Plus, it has a two-step verification and you can instantly freeze your account if you suspect it has been compromised. The xcritical card is a debit card, not a credit card, and thus does not have a preset limit.