Winity Card vs XPlace Card
Crypto native
Crypto native
Verdict
- Winity Card and XPlace Card have the same overall score (6.7/10).
- XPlace Card is clearly stronger on: Fees, Product features.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Winity Card is a good fit for
- No specific audience can be derived from the published data yet.
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: Fees, 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 | Winity Card | XPlace Card |
|---|---|---|
| Fees | 68 | 100 |
| Cashback & rewards | – | 36 |
| Availability | 100 | – |
| FX & international | – | 60 |
| Product features | 70 | 80 |
| Custody & security | – | 70 |
| Credit & financing | – | 75 |
| Limits & ATM | 73 | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 5.6 |
| Best for Travel | 6.6 | 6.5 |
| Best for Self-Custody | n/a | 7.1 |
| Best for DeFi Users | n/a | 7.0 |
| Best for Stablecoins | n/a | 7.3 |
| Best for High Spenders | n/a | 6.0 |
| Best for Low Fees | 6.9 | 8.3 |
| Best for Beginners | 7.6 | 7.8 |
| Best Crypto Credit Card | n/a | 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
Debit card, Crypto-backed creditShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
Card issuer / program manager
Third National (programme manager Signify Holdings, Inc.)Show source
Tiers / plans
Exclusive · ExecutiveShow source
Basic · Silver · Gold · PlatinumConditions apply: tap or hover for detailsShow source
Paid tiers per year: Silver $99, Gold $249, Platinum $999
Fees
Annual fee
$20/yearConditions apply: tap or hover for detailsShow source
Exclusive physical card; virtual free
FreeConditions apply: tap or hover for detailsShow source
Basic plan; Silver $99, Gold $249, Platinum $999 a year
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Issuance; shipping charges may apply
Virtual card fee
FreeShow source
FX fee
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
Crypto conversion fee
5%Conditions apply: tap or hover for detailsShow source
Non-stable assets (ETH, SOL, WCO etc.)
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
USDT and USDC; other assets converted at 5%
ATM fee
$3Conditions apply: tap or hover for detailsShow source
per withdrawal
Small transaction fee
$0.10Conditions apply: tap or hover for detailsShow source
transactions below USD 25
Other fees & markups
Chargeback fee USD 100 · PIN change at ATM USD 5Show 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
PointsShow source
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
Minimum balance
$25Conditions apply: tap or hover for detailsShow source
required to complete card transactions
Credit & financing
Credit line
YesShow source
Credit type
Crypto-backed creditShow source
Collateral assets
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%
Liquidation risk
YesShow source
Spend own balance directly
YesShow source
Spend by borrowing against collateral
YesShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
180+ countries
Account / spend currencies
USDShow source
Features
Apple Pay
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
ATM withdrawals
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
USDT · USDC · WCO · ETH · BSC · POL · Tron · SOLConditions apply: tap or hover for detailsShow source
non-stable assets 5% conversion
BTC (cbBTC) · ETH (wETH) · SOL · JitoSOL · USDC · USDT · xStocks (tokenized equities)Show source
Blockchains
Ethereum · W Chain · Polygon · Tron · Solana · Binance Smart ChainShow 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
Assets deployed into Kamino DeFi protocol
Annual cost at 1,500 EUR/month
Winity Card
- Annual & monthly fees−18 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−32 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