Moto Card vs Tangem Pay
Crypto native
Crypto native
Verdict
- Moto Card and Tangem Pay have the same overall score (4.9/10).
- Moto Card is clearly stronger on: FX & international, Product features, Credit & financing, Transparency.
- Tangem Pay is clearly stronger on: Fees.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Moto 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
- Frequent travellers
Stronger on: FX & international, Product features, Credit & financing, Transparency
Tangem Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Fees
★ 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 | Moto Card | Tangem Pay |
|---|---|---|
| Fees | 0 | 79 |
| Cashback & rewards | 20 | 24 |
| Availability | – | 3 |
| FX & international | 100 | 60 |
| Product features | 80 | 70 |
| Custody & security | 80 | 80 |
| Credit & financing | 70 | 30 |
| Limits & ATM | – | 20 |
| Transparency | 100 | 86 |
| Best for Cashback | 3.6 | 4.0 |
| Best for Travel | 6.3 | 5.0 |
| Best for Self-Custody | 6.2 | 6.9 |
| Best for DeFi Users | 5.7 | 5.9 |
| Best for Stablecoins | 5.4 | 6.4 |
| Best for High Spenders | 4.4 | 4.3 |
| Best for Low Fees | 4.8 | 6.7 |
| Best for Beginners | 5.7 | 6.1 |
| Best Crypto Credit Card | 5.6 | n/a |
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
Limited availabilityConditions apply: tap or hover for detailsShow source
Apply for access
ActiveShow source
Card type
Crypto-backed creditShow source
Stablecoin cardConditions apply: tap or hover for detailsShow source
Funded with USDC loaded in advance; no credit line
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
Self-custodyShow source
Launch date
2025-12-01Conditions apply: tap or hover for detailsShow source
Only month stated (December 2025); day is a placeholder
Card issuer / program manager
Rain (issuer); Paera LLC (provider)Show source
Tiers / plans
Basic · Plus · PrestigeConditions apply: tap or hover for detailsShow source
Prestige coming soon
Fees
Annual fee
$2,500/yearConditions apply: tap or hover for detailsShow source
Or $250 per month
Monthly fee
$250/monthConditions apply: tap or hover for detailsShow source
Monthly membership option
FreeConditions apply: tap or hover for detailsShow source
Basic tier; Plus $29.99/month
Physical card fee
$17.44Conditions apply: tap or hover for detailsShow source
Card delivery fee, Basic tier, US; other countries $15.63–$63.45; first plastic free on Plus
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Basic tier
Replacement fee
$5Conditions apply: tap or hover for detailsShow source
Virtual card replacement/additional card $5; plastic: delivery fee only (Basic and Plus); Prestige $0
FX fee
0%Show source
1%Conditions apply: tap or hover for detailsShow source
Two-tier (current) table says 1%; the three-tier table on the same page says 1.5%
Top-up fee
$1Conditions apply: tap or hover for detailsShow source
Bank top-up via ACH (free on Plus); FedWire $11 (comparison table says $10); crypto top-ups incur network fees
ATM fee
4%Conditions apply: tap or hover for detailsShow source
Basic tier; 2% on Plus
Transfer fee
FreeShow source
Other fees & markups
Foreign exchange markup on non-USD purchases · Network fees on crypto top-upsShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Basic tier; minimum $30 per transaction; monthly cap applies
Max cashback
5%Conditions apply: tap or hover for detailsShow source
5x points on travel, 3x dining and retail; 1 point = 0.01 USD
2%Conditions apply: tap or hover for detailsShow source
Plus tier; page does not state a Prestige rate
Cashback paid in
USDCShow source
Cashback type
PointsShow source
StablecoinShow source
Cashback-eligible spend cap
$10,000/monthConditions apply: tap or hover for detailsShow source
Basic tier, per month; Plus $15,000
Max cashback per month
$100/monthConditions apply: tap or hover for detailsShow source
Basic tier; Plus $300, Prestige $1000
Cashback conditions
1x points on all purchases, 3x on dining and retail, 5x on travel · Redeem for flights, hotels or up to $200/month statement creditsShow source
Minimum transaction amount $30 · Paid at end of each billing cycleShow source
Reward exclusions
Restricted merchant categories (gambling, online casinos, liquor stores)Conditions apply: tap or hover for detailsShow source
Stated as card-use restriction (transactions declined)
Credit & financing
Credit line
YesShow source
NoShow source
Credit type
Crypto-backed creditShow source
NoneShow source
Repayment
Settle balance monthlyShow source
Spend own balance directly
NoShow source
Spend by borrowing against collateral
YesShow source
Availability
Available in
United StatesConditions apply: tap or hover for detailsShow source
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Account / spend currencies
USDShow source
Own IBAN / bank details
YesShow source
YesConditions apply: tap or hover for detailsShow source
US routing and account number (ACH/FedWire), not an IBAN
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Page elsewhere mentions up to three virtual cards
Virtual card
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Contactless ATMs only, via Apple Pay or Google Pay
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Funding with USDC as collateral
YesShow source
Airport lounge access
YesShow source
NoConditions apply: tap or hover for detailsShow source
Basic (free) has no free visits (paid); Plus 2 and Prestige 8 free visits/year, marked coming soon. Only Plus and Prestige tiers.
Travel / rental car insurance
NoConditions apply: tap or hover for detailsShow source
Auto rental insurance only on Plus and Prestige; Basic is 'Not Insured'.
Purchase protection
NoConditions apply: tap or hover for detailsShow source
Purchase protection and extended warranty only on Plus and Prestige; Basic is 'No'.
Spendable assets
USDC · USDTShow source
Blockchains
Polygon · Base · BNB Smart Chain · ArbitrumShow source
Limits
ATM limit
$250Conditions apply: tap or hover for detailsShow source
Per transaction; up to 3 withdrawals per 24 hours
Spending limit
$10,000Conditions apply: tap or hover for detailsShow source
Per day, Basic tier; Plus $50,000, Prestige $100,000
Annual cost at 1,500 EUR/month
Moto Card
- Annual & monthly fees−4923 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Tangem Pay
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costs−48 EUR
- Cashback+180 EUR
- Net annual value96 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers