# How does the Xapo Card Cashback work? > Anytime you spend with your Xapo Card you will receive cashback How much will I receive The amount of cashback received varies depending on the mercha Source: https://customersupport.xapo.com/en_us/how-does-xapo-card-cashback-work-BkVRda01_ Last updated: 2026-09-15T15:04:34.033Z ### CURRENT CAMPAIGNS **Up to 3% cashback on taxi and rideshare, paid in BTC.** * Campaign start: 00:00 UTC on July 1st, 2026 * Campaign end: 23:59 UTC on October 31st, 2026 Who it's for: Xapo Bank Members with an active Xapo Metal Card on their account. _You do not need to pay with your Metal Card to qualify. Cashback applies to eligible transactions made with any of your Xapo cards, including plastic and virtual cards, as long as your account holds an active Metal Card._ What you get: Up to 3% cashback paid in BTC on taxi trips and rideshare services, including Uber and Lyft. How it works: Cashback accrues automatically when a qualifying transaction completes. All accrued cashback is paid into your BTC account on the 5th of each month. [Terms and conditions](https://legal.xapobank.com/cards/supplemental-cashback) * * * ### PREVIOUS CAMPAIGNS _Historical campaigns are kept for a minimum of 60 days from their end date so you can reference past promotions, review terms, and resolve any cashback disputes before contacting support._ **Up to 1% Cashback on Eligible Spending** * Campaign ended: 23:59 UTC on 30 June 2026 _(transactions made on or after 00:00 UTC on 1 July 2026 are not eligible)_ Who it's for: All eligible cardholders What you get: Up to 1% cashback on eligible purchases How it works: Cashback accrues automatically when a qualifying transaction completes. All accrued cashback is paid into your BTC account on the 5th of each month. [More information and full terms](https://customersupport.xapo.com/en_us/earn-up-to-1-cashback-on-eligible-card-spend-rJFFvenGfg) * * * ### **FREQUENTLY ASKED QUESTIONS** **Q: How is cashback calculated?** A: Cashback is calculated as a percentage of your eligible spending. The exact rate depends on the active campaign and/or your card type. Full calculation details are set out in each campaign's terms and conditions. **Q: When does my cashback accrue?** A: Cashback accrues as soon as a qualifying transaction completes. You can track your accrued cashback in the Earnings section of your Xapo app. **Q: When will I receive my cashback payment?** A: Cashback is paid into your BTC account on the 5th of each month. This payment covers all qualifying transactions that completed before the 5th. For example, if you make a qualifying transaction on 12 June, it will be paid on 5 July. **Q: What transactions are eligible for cashback?** A: Eligible transactions are defined in each campaign's terms and conditions. Common exclusions include transfers between accounts, cash withdrawals, bill payments, and certain merchant categories. Always check the specific campaign terms before assuming a transaction qualifies. **Q: Do I need to activate or opt in to a cashback campaign?** A: No action is required. If you meet the eligibility criteria for a campaign, cashback is applied automatically to qualifying transactions. **Q: I have a Metal Card on my account. Do I need to use it to earn cashback, where the campaign is limited to Metal cardholders?** A: No. You qualify for the rideshare cashback campaign simply by having an active Metal Card on your Xapo account. You can pay with any of your Xapo cards, including your plastic or virtual card, and the cashback will still apply to eligible transactions. **Q: Does cashback apply to all merchants within a campaign category?** A: Eligibility for each transaction is determined by the Merchant Category Code (MCC),  a code that merchants are assigned based on the type of goods or services they provide. When you make a purchase, your merchant passes this code to us automatically, and we use it to determine whether the transaction qualifies for cashback.  Please be aware that in some cases a merchant may pass an incorrect or unexpected MCC code, which can result in an eligible transaction not receiving cashback, or a non-eligible transaction receiving cashback in error. This is outside of Xapo's control, as we rely on the merchant to provide accurate MCC data for each transaction. **Q: Where can I view my cashback earnings?** A: You can view your accrued cashback balance and payment history in the Earnings section of your Xapo app. **Q: I believe my cashback was calculated incorrectly. How do I raise a dispute?** A: Start by reviewing the terms and conditions for the relevant campaign. These are linked in each campaign section above and remain accessible for at least 60 days after a campaign ends. If, after reviewing the terms, you still believe there is an error, please contact our customer support team with your transaction details and we will investigate. **Q: What happens to my cashback if I return or reverse a transaction?** A: If a qualifying transaction is refunded or reversed, the associated cashback will be deducted from your accrued cashback balance. If the reversal occurs after cashback has already been paid out on the 5th, the amount will be automatically deducted from your available account balance. **Q: How will I be notified about new cashback campaigns?** A: Upcoming campaigns are listed on this page before they go live. You will also receive notifications through the Xapo app when new campaigns become available. * * * _Last updated: September, 2026._ _For support, contact us through the Help section in your Xapo app._