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Tangem Pay vs TXBFI Lifetime Visa Card

Tangem Pay

Crypto native

4.8
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TXBFI Lifetime Visa Card

Crypto native

5.1
Get the card

Verdict

  • TXBFI Lifetime Visa Card scores higher overall (5.1 vs 4.8 out of 10).
  • Tangem Pay is clearly stronger on: Fees, Cashback & rewards.
  • TXBFI Lifetime Visa Card is clearly stronger on: FX & international, Limits & ATM, Transparency.
  • For 1,500 EUR/month of spend, Tangem Pay comes out about 115 EUR a year ahead on base-tier terms.

Tangem Pay is a good fit for

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

Stronger on: Fees, Cashback & rewards

TXBFI Lifetime Visa Card is a good fit for

  • No specific audience can be derived from the published data yet.

Stronger on: FX & international, Limits & ATM, Transparency

★ 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 & sourcesTangem Pay vs ether.fi CashTXBFI Lifetime Visa Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionTangem PayTXBFI Lifetime Visa Card
Fees7966
Cashback & rewards302
Availability3–
FX & international4076
Product features7070
Custody & security80–
Credit & financing30–
Limits & ATM2060
Transparency86100
Best for Cashback4.23.4
Best for Travel4.36.3
Best for Self-Custody6.8n/a
Best for DeFi Users6.04.9
Best for Stablecoins6.1n/a
Best for High Spenders4.24.2
Best for Low Fees6.27.3
Best for Beginners6.26.3

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
ActiveShow source

Card type

Stablecoin cardConditions apply: tap or hover for detailsShow source

Funded with USDC loaded in advance; no credit line

Prepaid cardShow source

Network

VisaShow source
VisaShow source

Custody model

Self-custodyShow source
No data yet

Card issuer / program manager

Card issued by Rain (Visa Principal Member); service provided by Paera LLCShow source
No data yet

Tiers / plans

Basic (free) · Plus ($29.99/month) · Prestige ($999/year, coming soon)Conditions apply: tap or hover for detailsShow source

Plus free with $4,500 monthly spend or $65,000 in Yield Mode; Prestige coming soon

Virtual · Physical · Metal · GoldShow source

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Basic tier; Plus $29.99/month

FreeShow source

Physical card fee

No data yet
$300Conditions apply: tap or hover for detailsShow source

One-time; Metal $1,000, Gold $10,000

Virtual card fee

FreeConditions apply: tap or hover for detailsShow source

Basic tier

$25Conditions apply: tap or hover for detailsShow source

One-time, lifetime card

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

No data yet

FX fee

1.5%Conditions apply: tap or hover for detailsShow source

Up to; Tangem pages show 1% and 1.5%

0.6%Show source

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

2.6%Conditions apply: tap or hover for detailsShow source

Virtual and plastic; Metal 2.4%, Gold 1.8%

ATM fee

4%Conditions apply: tap or hover for detailsShow source

Basic tier; 2% on Plus

2%Conditions apply: tap or hover for detailsShow source

From 2%; not on the virtual card

Other fees & markups

Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchasesShow source
No data yet

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Basic tier; minimum $30 per transaction; monthly cap applies

0.05%Conditions apply: tap or hover for detailsShow source

Virtual tier

Max cashback

4%Conditions apply: tap or hover for detailsShow source

Prestige tier ($999/year, coming soon); Plus 2%

0.4%Conditions apply: tap or hover for detailsShow source

Gold tier ($10,000)

Cashback paid in

USDCShow source
BTCShow source

Cashback type

StablecoinShow source
CryptoShow source

Cashback-eligible spend cap

$10,000/monthConditions apply: tap or hover for detailsShow source

Basic tier, per month; Plus $15,000

No data yet

Max cashback per month

$100/monthConditions apply: tap or hover for detailsShow source

Basic tier; Plus $300, Prestige $1000

No data yet

Cashback conditions

Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycleShow source
No data yet

Reward exclusions

In-store purchases (incl. tap-to-pay) at EU and UK merchants · Excluded merchant category codes listed in the cashback termsShow source
No data yet

Credit & financing

Credit line

NoShow source
No data yet

Credit type

NoneShow source
No data yet

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)

No data yet

Account / spend currencies

USDShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

US routing and account number (ACH/FedWire), not an IBAN

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

Page elsewhere mentions up to three virtual cards

YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Contactless ATMs only, via Apple Pay or Google Pay

No data yet

Spend stablecoins

YesShow source
No data yet

Airport lounge access

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.

No data yet

Travel / rental car insurance

NoConditions apply: tap or hover for detailsShow source

Auto rental insurance only on Plus and Prestige; Basic is 'Not Insured'.

No data yet

Purchase protection

NoConditions apply: tap or hover for detailsShow source

Purchase protection and extended warranty only on Plus and Prestige; Basic is 'No'.

No data yet

Spendable assets

USDC · USDTShow source
No data yet

Blockchains

Polygon · Base · BNB Smart Chain · ArbitrumShow source
No data yet

Limits

ATM limit

$250Conditions apply: tap or hover for detailsShow source

Per transaction; up to 3 withdrawals per 24 hours

$3,000Conditions apply: tap or hover for detailsShow source

Per day, highest tier

Spending limit

$10,000Conditions apply: tap or hover for detailsShow source

Per day, Basic tier; Plus $50,000, Prestige $100,000

No data yet

Annual cost at 1,500 EUR/month

Tangem Pay

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • ATM costs−48 EUR
  • Cashback+180 EUR
  • Net annual value78 EUR

TXBFI Lifetime Visa Card

  • Annual & monthly fees+0 EUR
  • FX costs−22 EUR
  • Crypto conversion–
  • ATM costs−24 EUR
  • Cashback+9 EUR
  • Net annual value-37 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Tangem Pay comparisons

More TXBFI Lifetime Visa Card comparisons