XPlace Card vs Zoomex Card
Crypto native
Crypto native
Verdict
- XPlace Card scores higher overall (6.6 vs 5.2 out of 10).
- XPlace Card is clearly stronger on: Fees, Cashback & rewards, Product features, Custody & security, Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
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, Cashback & rewards, Product features, Custody & security, Credit & financing
Zoomex Card is a good fit for
- Stablecoin holders
★ 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 | XPlace Card | Zoomex Card |
|---|---|---|
| Fees | 100 | 88 |
| Cashback & rewards | 36 | 21 |
| Availability | – | – |
| FX & international | – | 20 |
| Product features | 70 | 56 |
| Custody & security | 80 | 60 |
| Credit & financing | 75 | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.6 | 4.3 |
| Best for Travel | n/a | 4.5 |
| Best for Self-Custody | 7.3 | n/a |
| Best for DeFi Users | 7.2 | 5.1 |
| Best for Stablecoins | 7.1 | 5.5 |
| Best for High Spenders | 5.8 | 4.0 |
| Best for Low Fees | 8.0 | 6.7 |
| Best for Beginners | 7.7 | 6.7 |
| Best Crypto Credit Card | 7.6 | 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
ActiveConditions apply: tap or hover for detailsShow source
Silver physical cards live; Gold and Platinum physical cards coming soon
ActiveShow source
Card type
Debit card, Crypto-backed creditShow source
Prepaid cardConditions apply: tap or hover for detailsShow source
Spends the UR account balance funded with USDC
Network
VisaShow source
Custody model
Self-custodyShow source
CustodialConditions apply: tap or hover for detailsShow source
Fiat held by UR (SR Saphirstein AG)
Card issuer / program manager
Third National; programme managed by Signify Holdings, Inc. (Rain)Show source
UR — SR Saphirstein AG, Swiss fintech licence (Art. 1b Banking Act), FINMA-supervisedShow source
Tiers / plans
Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/year)Show source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Basic plan; Silver $99, Gold $249, Platinum $999 a year
FreeShow source
Virtual card fee
FreeShow source
FX fee
2%Conditions apply: tap or hover for detailsShow source
1–2%
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Crypto to fiat; fiat to crypto 0%
Cashback & rewards
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Basic plan, Credit Mode
1%Conditions apply: tap or hover for detailsShow source
Credited monthly to the Zoomex funding account; campaign rules still being prepared
Max cashback
2%Conditions apply: tap or hover for detailsShow source
Platinum plan ($999/year), Credit Mode
1%Show source
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%)
Cashback conditions
Rates apply to Credit Mode: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%Show source
Sign-up reward: spend $5, get $10Show source
Credit & financing
Credit line
YesShow source
NoShow source
Credit type
Crypto-backed creditShow source
Collateral assets
BTC · ETH · SOL · JitoSOL · USDT · Tokenized stocksShow 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
Account / spend currencies
USD · EUR · CHF · JPY · SGD · HKDShow source
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Silver plan; Gold and Platinum coming soon
NoConditions apply: tap or hover for detailsShow source
Initial version is virtual only
Virtual card
YesShow source
YesShow source
Spend stablecoins
YesShow source
YesConditions apply: tap or hover for detailsShow source
USDC is moved into the UR account and converted
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Basic plan; Silver 1, Gold 4 visits a year, Platinum unlimited
Limits
Spending limit
$2,000Conditions apply: tap or hover for detailsShow source
Per month, Basic plan; up to $750,000 on Platinum
Annual cost at 1,500 EUR/month
XPlace Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+90 EUR
- Net annual valuenot enough data
Zoomex Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers