Gluon Card vs XPlace Card
Crypto native
Crypto native
Verdict
- Gluon Card scores higher overall (6.8 vs 6.7 out of 10).
- XPlace Card is clearly stronger on: FX & international, Product features.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Gluon Card is a good fit for
- People who want to keep control of their keys
- Users who need credit rather than a debit/prepaid card
XPlace Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: FX & international, Product features
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Gluon Card | XPlace Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | 36 |
| Availability | – | – |
| FX & international | 40 | 60 |
| Product features | 70 | 80 |
| Custody & security | 70 | 70 |
| Credit & financing | 75 | 75 |
| Limits & ATM | 78 | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 5.6 |
| Best for Travel | 6.3 | 6.5 |
| Best for Self-Custody | 7.0 | 7.1 |
| Best for DeFi Users | 7.1 | 7.0 |
| Best for Stablecoins | n/a | 7.3 |
| Best for High Spenders | 6.5 | 6.0 |
| Best for Low Fees | 8.2 | 8.3 |
| Best for Beginners | 7.7 | 7.8 |
| Best Crypto Credit Card | 7.7 | 7.5 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveConditions apply: tap or hover for detailsShow source
Silver physical cards live; Gold and Platinum physical cards coming soon
Card type
Credit cardShow source
Debit card, Crypto-backed creditShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
collateral in linked wallets
Self-custodyShow source
Card issuer / program manager
Third National (issuer); GL Worldwide Limited (program provider)Show source
Third National (programme manager Signify Holdings, Inc.)Show source
Tiers / plans
Basic · Silver · Gold · PlatinumConditions apply: tap or hover for detailsShow source
Paid tiers per year: Silver $99, Gold $249, Platinum $999
Fees
Annual fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
Basic plan; Silver $99, Gold $249, Platinum $999 a year
FX fee
1.5%Show source
1%Conditions apply: tap or hover for detailsShow source
Basic tier per comparison table; Silver 0.5%, Gold 0.25%, Platinum 0%. The card page instead says non-Platinum tiers convert at the real market rate
ATM fee
$1 + 0.65%Conditions apply: tap or hover for detailsShow source
Cash advance fee
Other fees & markups
Late payment fee: 2% of the current outstanding card balance · Copying fee: $10.00 per copy of a transaction document or statement · Over-the-credit-line and returned payment fees: noneShow source
Cashback & rewards
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Basic plan, Credit Mode
Max cashback
2%Conditions apply: tap or hover for detailsShow source
Platinum plan ($999/year), Credit Mode
Cashback paid in
USDCShow source
Cashback type
StablecoinShow source
Interest on balance
6.15%Conditions apply: tap or hover for detailsShow source
Variable vault APY via Kamino Finance (Solana vault; USDT 3.26%, BTC 5.43%)
Max cashback per month
$10/monthConditions apply: tap or hover for detailsShow source
Basic tier; Silver $40, Gold $100, Platinum $250
Cashback conditions
Only in Credit Mode · Rate depends on Membership tierShow source
Credit & financing
Credit line
YesShow source
YesShow source
Credit type
Crypto-backed creditShow source
Crypto-backed creditShow source
Collateral assets
Digital assets (stablecoin or other forms designated by GLUON)Conditions apply: tap or hover for detailsShow source
GLUON designates which digital assets may be used
tokenized equities · BTC · ETH · SOL · stablecoinsShow source
Max loan-to-value
80%Conditions apply: tap or hover for detailsShow source
Tether vault; SOL and BTC 65%, ETH 70%
Interest (APR)
0%Conditions apply: tap or hover for detailsShow source
currently 0%; issuer may introduce interest for new purchases
Interest notes
No interest charged on purchases; no interest chargeable to this Credit CardShow source
Grace period
Payment due 21 days after the close of each billing cycleShow source
Repayment
Statement-based; repayments initiated via preauthorized transfers from a linked account (opt-out possible)Show source
Liquidation risk
YesShow source
YesShow source
Spend own balance directly
YesShow source
Spend by borrowing against collateral
YesConditions apply: tap or hover for detailsShow source
Collateral of USD market value equal to each dollar charged
YesShow source
Availability
Not available in
BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, SY, Turkey, Ukraine, VE, VietnamConditions apply: tap or hover for detailsShow source
Cards cannot be issued to cardholders residing or registered there; FATF grey-list countries need case-by-case approval
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Silver plan; Gold and Platinum coming soon
Virtual card
YesShow source
YesShow source
Spend stablecoins
YesShow source
Airport lounge access
YesConditions apply: tap or hover for detailsShow source
Silver 1 visit/year, Gold 4 visits/year, Platinum unlimited (1,300+); not on Basic
Spendable assets
BTC (cbBTC) · ETH (wETH) · SOL · JitoSOL · USDC · USDT · xStocks (tokenized equities)Show source
Blockchains
Ethereum · Polygon · Optimism · ArbitrumShow source
SolanaShow source
Limits
Spending limit
$2,000Conditions apply: tap or hover for detailsShow source
Per month, Basic plan; up to $750,000 on Platinum
Security & custody
Smart-contract risk
YesConditions apply: tap or hover for detailsShow source
Collateral held in smart contracts on supported blockchains
YesConditions apply: tap or hover for detailsShow source
Assets deployed into Kamino DeFi protocol
Annual cost at 1,500 EUR/month
Gluon Card
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−19 EUR
- Cashbackunknown
- Net annual valuenot enough data
XPlace Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+90 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers