As the core load-transfer medium in bonded structures, the adhesive layer critically governs overall reliability, with Mode I fracture representing its dominant failure mechanism under tensile loading. This study systematically compares the eXtended Finite Element Method (XFEM) and its two coupled variants—the XFEM-Cohesive Zone Model (CZM) and XFEM-Virtual Crack Closure Technique (VCCT)—in simulating Mode I fractures of adhesive joints. Key comparisons include predictions of stress distribution, load-transfer evolution, and crack propagation paths, all validated through Double Cantilever Beam (DCB) simulations and experiments. Results show that standard XFEM accurately predicts initial stiffness (error < 8%) but overestimates peak load by 10.7%. XFEM-CZM maintains errors below 8% for both stiffness and peak load, while XFEM-VCCT achieves exceptional peak-load accuracy (error < 1%) but overestimates stiffness. In crack evolution, standard XFEM yields an idealized propagation path, whereas the coupled methods reveal a distinct three-stage process. Stress/strain fields in standard XFEM remain stable during propagation, while the coupled approaches exhibit interfacial irregularities before crack arrival, followed by tip concentration and band-like transfer during stable growth. Each method offers distinct advantages, underscoring that selection should align with specific research objectives and modeling requirements.