Tangem Pay
by Tangem
Visa card for the Tangem wallet, funded with USDC on Polygon and issued under a separate card program by Rain. Free Basic tier; Plus tier on waitlist.
Key stats
- Base cashback
1%*Show source
Base cashback: 1%
Basic tier; minimum $30 per transaction; monthly cap applies
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Max cashback
2%*Show source
Max cashback: 2%
Plus tier ($29.99/month)
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Base fee
Free*Show source
Monthly fee: Free
Basic tier; Plus $29.99/month
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- FX fee
1.5%*Show source
FX fee: 1.5%
Up to; Tangem pages show 1% and 1.5%
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
- ATM fee
4%*Show source
ATM fee: 4%
Basic tier; 2% on Plus
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Card fee
- No data yet
- Credit line
- No data yet
- Staking for top rewards
- No data yet
Tap a value for its source, retrieval date and confidence. * = conditions apply.
Pros
- No annual or monthly fee on the base tier
- 1% base cashback in USDC
- Spends stablecoins directly
Cons
- FX fee up to 1.5%
- Top rate of 2% only with conditions — Plus tier ($29.99/month)
- ATM fee 4%
- US residents only
Who is it for?
- Stablecoin holders
Who should avoid it?
- Anyone living outside the United States
- Frequent travellers paying in foreign currencies
Fees
- Monthly fee
Free*Show source
Monthly fee: Free
Basic tier; Plus $29.99/month
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Basic tier; Plus $29.99/month
- FX fee
1.5%*Show source
FX fee: 1.5%
Up to; Tangem pages show 1% and 1.5%
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Up to; Tangem pages show 1% and 1.5%
- ATM fee
4%*Show source
ATM fee: 4%
Basic tier; 2% on Plus
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Basic tier; 2% on Plus
- Other fees & markups
Polygon gas when topping up with cryptoShow source
Other fees & markups: Polygon gas when topping up with crypto
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not yet researched: Annual fee, Physical card fee, Virtual card fee, Replacement fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee.
Cashback & rewards
- Base cashback
1%*Show source
Base cashback: 1%
Basic tier; minimum $30 per transaction; monthly cap applies
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Basic tier; minimum $30 per transaction; monthly cap applies
- Max cashback
2%*Show source
Max cashback: 2%
Plus tier ($29.99/month)
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Plus tier ($29.99/month)
- Cashback paid in
USDCShow source
Cashback paid in: USDC
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Cashback type
StablecoinShow source
Cashback type: Stablecoin
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not yet researched: Cashback-eligible spend cap, Max cashback per month, Cashback conditions, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing
No credit & financing data published or researched yet.
Supported countries & currencies
- Available in
United States*Show source
Available in: United States
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Not yet researched: Not available in, Account / spend currencies, Own IBAN / bank details.
Features, wallets & supported assets
- Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Blockchains
PolygonShow source
Blockchains: Polygon
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not yet researched: Apple Pay, Google Pay, Physical card, Virtual card, ATM withdrawals, Spendable assets.
Security & custody
No security & custody data published or researched yet.
Limits
No limits data published or researched yet.
Product
- Product status
ActiveShow source
Product status: Active
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Network
VisaShow source
Network: Visa
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Card issuer / program manager
Rain (separate card program)Show source
Card issuer / program manager: Rain (separate card program)
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Tiers / plans
Basic (free) · Plus ($29.99/month, waitlist) · PrestigeShow source
Tiers / plans: Basic (free) · Plus ($29.99/month, waitlist) · Prestige
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not yet researched: Card type, Custody model, Launch date.
Risks to understand
- Stablecoins can de-peg and are not covered by deposit protection.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year | 20% | 100 |
Cashback & rewards | 20% | 24 |
Availability 1 of 60 tracked countries | 15% | 3 |
FX & international FX fee 1.5% | 10% | 40 |
Product features | 10% | No data — excluded |
Custody & security | 10% | No data — excluded |
Credit & financing | 5% | No data — excluded |
Limits & ATM ATM cost on €200 ≈ 4.0% | 5% | 20 |
Transparency 5 of 5 checked key terms disclosed · 3 contradiction(s) between official sources | 5% | 79 |
Data coverage 75%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Scores are computed by a deterministic algorithm. Affiliate relationships and sponsored placements have no influence. How we score
FAQ
- Does Tangem Pay have an annual or monthly fee?
- Base tier: Free (Basic tier; Plus $29.99/month). Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige.
- What is the FX fee of Tangem Pay?
- 1.5% (Up to; Tangem pages show 1% and 1.5%). Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige.
- How much cashback does Tangem Pay pay?
- Base rate: 1% (Basic tier; minimum $30 per transaction; monthly cap applies). Highest advertised rate: 2% (Plus tier ($29.99/month)). Paid in USDC.
- Where is Tangem Pay available?
- United States (Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)).
Change history
- Product status recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Card issuer / program manager recorded · 22 October 2026 · auto-approved
- Tiers / plans recorded · 22 October 2026 · auto-approved
- Monthly fee recorded · 22 October 2026 · auto-approved
- FX fee recorded · 22 October 2026 · auto-approved
- ATM fee recorded · 22 October 2026 · auto-approved
- Other fees & markups recorded · 22 October 2026 · auto-approved
- Base cashback recorded · 22 October 2026 · auto-approved
- Max cashback recorded · 22 October 2026 · auto-approved
- Cashback paid in recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Spend stablecoins recorded · 22 October 2026 · auto-approved
- Blockchains recorded · 22 October 2026 · auto-approved
- Available in recorded · 22 October 2026 · auto-approved