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Mine Card vs XPlace Card

Mine Card

Crypto native

6.3
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XPlace Card

Crypto native

6.6
Get the card

Verdict

  • XPlace Card scores higher overall (6.6 vs 6.3 out of 10).
  • XPlace Card is clearly stronger on: Cashback & rewards.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Mine Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

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: Cashback & rewards

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesMine Card vs ether.fi CashXPlace Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionMine CardXPlace Card
Fees99100
Cashback & rewards2636
Availability––
FX & international––
Product features7070
Custody & security8580
Credit & financing–75
Limits & ATM––
Transparency100100
Best for Cashback5.15.6
Best for Self-Custody7.47.3
Best for DeFi Users6.87.2
Best for Stablecoins7.07.1
Best for High Spenders5.15.8
Best for Low Fees8.08.0
Best for Beginners7.67.7
Best Crypto Credit Cardn/a7.6

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

ActiveConditions apply: tap or hover for detailsShow source

Invite-only: sign-up needs a code from an existing member (or the higher no-code price)

ActiveConditions apply: tap or hover for detailsShow source

Silver physical cards live; Gold and Platinum physical cards coming soon

Card type

Stablecoin cardConditions apply: tap or hover for detailsShow source

Spends from your USDC balance, converted at purchase

Debit card, Crypto-backed creditShow source

Network

MastercardShow source
VisaShow source

Custody model

Self-custodyShow source
Self-custodyShow source

Card issuer / program manager

Unblock Atomo SARL (card issuer); operated by EMM Ventures AGShow source
Third National; programme managed by Signify Holdings, Inc. (Rain)Show source

Tiers / plans

Basic · PremiumConditions apply: tap or hover for detailsShow source

Metal and Private announced, no price yet

Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/year)Show source

Fees

Annual fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Basic plan; Silver $99, Gold $249, Platinum $999 a year

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Basic and Premium are one-off fees, no subscription

No data yet

Physical card fee

$124Conditions apply: tap or hover for detailsShow source

Premium tier (physical + virtual card), one-off; $99 with an invite code

No data yet

Virtual card fee

$5Conditions apply: tap or hover for detailsShow source

One-off; free with an invite code

No data yet

Top-up fee

FreeShow source
No data yet

Other fees & markups

Small markup on card FX · Conversion pricing above the free 500 CHF/EUR lifetime allowanceShow source
No data yet

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

Basic tier has no cashback; Premium 0.5% in USDC

0.5%Conditions apply: tap or hover for detailsShow source

Basic plan, Credit Mode

Max cashback

0.5%Conditions apply: tap or hover for detailsShow source

Premium tier; 'boosted cashback' announced for Metal

2%Conditions apply: tap or hover for detailsShow source

Platinum plan ($999/year), Credit Mode

Cashback paid in

USDCShow source
USDCShow source

Cashback type

StablecoinShow source
StablecoinShow source

Interest on balance

5%Conditions apply: tap or hover for detailsShow source

Opt-in Earn via Aave V3, off by default; variable

6.15%Conditions apply: tap or hover for detailsShow source

Variable vault APY via Kamino Finance (Solana vault; USDT 3.26%, BTC 5.43%)

Cashback conditions

No data yet
Rates apply to Credit Mode: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%Show source

Credit & financing

Credit line

No data yet
YesShow source

Credit type

No data yet
Crypto-backed creditShow source

Collateral assets

No data yet
BTC · ETH · SOL · JitoSOL · USDT · Tokenized stocksShow source

Max loan-to-value

No data yet
80%Conditions apply: tap or hover for detailsShow source

Tether vault; SOL and BTC 65%, ETH 70%

Liquidation risk

No data yet
YesShow source

Spend own balance directly

No data yet
YesShow source

Spend by borrowing against collateral

No data yet
YesShow source

Availability

Account / spend currencies

CHF · EUR · USDCShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

CHF and EUR IBAN in your own name; incoming money settles as USDC

No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesConditions apply: tap or hover for detailsShow source

Premium tier

YesConditions apply: tap or hover for detailsShow source

Silver plan; Gold and Platinum coming soon

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Limit $20,000 per month on Basic, $60,000 on Premium

No data yet

Spend stablecoins

YesShow source
YesShow source

Airport lounge access

NoConditions apply: tap or hover for detailsShow source

Listed only under the (not yet released) Metal tier; not on Basic or Premium

NoConditions apply: tap or hover for detailsShow source

Basic plan; Silver 1, Gold 4 visits a year, Platinum unlimited

Spendable assets

USDCShow source
No data yet

Limits

ATM limit

$20,000Conditions apply: tap or hover for detailsShow source

Per month on Basic; $60,000 on Premium

No data yet

Spending limit

$100,000Conditions apply: tap or hover for detailsShow source

Per month, Basic; Premium $1,000,000

$2,000Conditions apply: tap or hover for detailsShow source

Per month, Basic plan; up to $750,000 on Platinum

Security & custody

Regulation / licences

Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, Switzerland · IBAN and conversion services provided by a regulated Swiss financial intermediaryShow source
No data yet

Smart-contract risk

YesConditions apply: tap or hover for detailsShow source

Applies to opt-in Earn via Aave V3

No data yet

Annual cost at 1,500 EUR/month

Mine Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+0 EUR
  • Net annual valuenot enough data

XPlace Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • 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

More Mine Card comparisons

More XPlace Card comparisons