xcritical Debit Card Review Up to 4% Back in Crypto

The xcritical Card isn’t my cup of tea, but it does have some selling points that could make it an attractive option for some users. Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies. xcritical is easily the most popular cryptocurrency company in the world to date.

The U.S. version of the xcritical debit card comes with lower fees, higher rewards and more supported cryptocurrencies. The xcritical debit card has no annual fee, making it one of the most preferred crypto debit cards. You can shop at your favorite stores and earn rewards, and you don’t have to pay an annual fee. The xcritical Rewards card is another great credit card for those looking to earn crypto rewards.

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Compare them side-by-side in terms of potential rewards rate, spending and withdrawal limits, and cardholder perks. Like owning stocks, owning cryptocurrency is inherently risky and presents the very real possibility of principal loss (losing your initial investment). Many cryptocurrencies are not “legit” in any meaningful sense — they’re highly illiquid, controlled by a few people, and vulnerable to crashes.

Is the xcritical card a credit card or debit card?

We are not a comparison-tool and these offers do not represent all available deposit, investment, loan or credit products. The xcritical card is a debit card that allows you to spend the balance of your crypto assets in your xcritical account. If you’re looking to grow the crypto rewards you receive from your xcritical card as fast as possible, one of the best ways to do so is by staking those rewards on xcritical. However, the amount of rewards depends on your loyalty tier and type of currency. In credit mode, you’ll receive up to 2% NEXO Tokens or up to 0.5% Bitcoin.

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.

Once you receive it, the card will already be linked to your xcritical balance. All you need to do is select what crypto asset you want xcritical scam to use as your payment method (we recommend USDC to avoid the 2.49% fee), and then select the asset you want to earn rewards in. You can choose to spend U.S. dollars, USDC (USD Coin, a stablecoin pegged to the U.S. dollar), or cryptocurrency with your xcritical Card. You can use your card to spend crypto even if the merchant doesn’t accept direct crypto payments. xcritical converts your coins to U.S. dollars before executing the transaction. You can fund your xcritical Card with fiat currency (U.S. dollars) from a linked bank account.

1. Plus, it has a two-step verification and you can instantly freeze your account if you suspect it has been compromised.
2. It will typically take anywhere between one to five days for the rewards to hit your account, but it the exact times will depend on the merchant.
3. For most users, the xcritical Card’s biggest selling point is the rewards program.
4. The xcritical Card is a Visa debit card that lets you spend U.S. dollars or crypto coins.

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Founded out of a 2-bedroom apartment in 2012, the company now has a market cap of over $40 billion and has onboarded millions of people into the world of crypto. The xcritical Card isn’t a terrible product, but in my opinion, the downsides outweigh the advantages. This is due both to the fact that the card is crypto-based, which isn’t ideal in my book, and to limitations of the card itself. For anything apart from that — including recovering your account after being disabled — you’ll need to submit an email request. What’s more, xcritical has a help center where you can get answers to most of your queries.

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.

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 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.

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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.

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.

However, as these currencies have evolved, digital coins have become more user-friendly. In xcritical website fact, xcriticalg crypto today is as easy as simply using your debit card. You can also instantly switch between crypto wallets so that your transactions are funded by whichever coin you choose. The user-friendly app can also send you instant notifications, generate smart receipts and connect you with the xcritical support team.