XPlace Card
Non-custodial Visa card with two modes: Cash Mode spends stablecoins directly, Credit Mode borrows against BTC, ETH, SOL, stablecoins or tokenized stocks deposited in Kamino Finance vaults, which keep earning yield. Four plans from free to $999 a year with up to 2% USDC cashback in Credit Mode.
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Max cashback
2%Conditions apply: tap or hover for detailsShow source
Base fee
FreeConditions apply: tap or hover for detailsShow source
FX fee
ATM fee
Card fee
Credit line
YesShow source
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- Self-custody: funds stay in your own wallet
- Apple Pay and Google Pay
- Spends stablecoins directly
- Spend by borrowing against crypto instead of selling
Cons
- Top rate of 2% only with conditions — Platinum plan ($999/year), Credit Mode
- Collateral can be liquidated if prices fall
Good for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Not for
Not enough data to say.
Risks to understand
- Borrowing against crypto: falling collateral prices can trigger liquidation, and interest rates can change.
- Stablecoins can de-peg and are not covered by deposit protection.
- Self-custody: losing your keys or signing a malicious transaction can mean losing funds.
- Smart-contract and bridge risk applies to on-chain balances.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to XPlace Card:
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.
All details
Fees1/15
- Annual fee
FreeConditions apply: tap or hover for detailsShow source
Basic plan; Silver $99, Gold $249, Platinum $999 a year
Not yet researched: Monthly fee, Physical card fee, Virtual card fee, Replacement fee, FX fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, ATM fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee, Other fees & markups.
Cashback & rewards6/14
- 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
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
Not yet researched: Cashback-eligible spend cap, Max cashback per month, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing7/11
- Credit line
YesShow 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
Not yet researched: Interest (APR), Interest notes, Grace period, Repayment.
Supported countries & currencies0/4
No availability data published or researched yet.
Features, wallets & supported assets8/11
- Apple Pay
YesShow source
- Google Pay
YesShow source
- Physical card
YesConditions apply: tap or hover for detailsShow source
Silver plan; Gold and Platinum coming soon
- Virtual card
YesShow source
- Spend stablecoins
YesShow source
- Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Basic plan; Silver 1, Gold 4 visits a year, Platinum unlimited
- Spendable assets
BTC (cbBTC) · ETH (wETH) · SOL · JitoSOL · USDC · USDT · xStocks (tokenized equities)Show source
- Blockchains
SolanaShow source
Not yet researched: ATM withdrawals, Travel / rental car insurance, Purchase protection.
Security & custody0/3
No security & custody data published or researched yet.
Limits1/2
- Spending limit
$2,000Conditions apply: tap or hover for detailsShow source
Per month, Basic plan; up to $750,000 on Platinum
Not yet researched: ATM limit.
Product6/7
- Product status
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
- Custody model
Self-custodyShow source
- Card issuer / program manager
Third National; programme managed by Signify Holdings, Inc. (Rain)Show source
- Tiers / plans
Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/year)Show source
Not yet researched: Launch date.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year | 20% | 100 |
Cashback & rewards Interest on balance 6.15% (variable) | 20% | 36 |
Availability | 15% | No data — excluded |
FX & international | 10% | No data — excluded |
Product features 5 of 5 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security Custody model: self custody | 10% | 80 |
Credit & financing Credit line available · Can switch between own funds and borrowing (+15) · Collateral can be liquidated (−10) | 5% | 75 |
Limits & ATM | 5% | No data — excluded |
Transparency 5 of 5 checked key terms disclosed | 5% | 100 |
Data coverage 70%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does XPlace Card have an annual or monthly fee?
Base tier: Free (Basic plan; Silver $99, Gold $249, Platinum $999 a year). Source: XPlace — The Card.
How much cashback does XPlace Card pay?
Base rate: 0.5% (Basic plan, Credit Mode). Highest advertised rate: 2% (Platinum plan ($999/year), Credit Mode). Paid in USDC.
Is XPlace Card a credit card?
Yes — Crypto-backed credit.
Is XPlace Card self-custodial?
Self-custody.
Does XPlace Card work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history29 entries
- Blockchains not disclosed → ["Solana"] · 25 October 2026 · approved
- Spendable assets not disclosed → ["BTC (cbBTC)","ETH (wETH)","SOL","JitoSOL","USDC","USDT","xStocks (tokenized equities)"] · 25 October 2026 · approved
- Network recorded · 22 October 2026 · auto-approved
- Custody model recorded · 22 October 2026 · auto-approved
- Card issuer / program manager recorded · 22 October 2026 · auto-approved
- Tiers / plans recorded · 22 October 2026 · auto-approved
- Annual fee recorded · 22 October 2026 · auto-approved
- Base cashback recorded · 22 October 2026 · auto-approved
- Max cashback recorded · 22 October 2026 · auto-approved
- Cashback paid in recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Cashback conditions recorded · 22 October 2026 · auto-approved
- Interest on balance recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved
- Product status recorded · 22 October 2026 · auto-approved
- Collateral assets recorded · 22 October 2026 · auto-approved
- Max loan-to-value recorded · 22 October 2026 · auto-approved
- Liquidation risk recorded · 22 October 2026 · auto-approved
- Spend own balance directly recorded · 22 October 2026 · auto-approved
- Spend by borrowing against collateral recorded · 22 October 2026 · auto-approved
- Apple Pay recorded · 22 October 2026 · auto-approved
- Google Pay recorded · 22 October 2026 · auto-approved
- Virtual card recorded · 22 October 2026 · auto-approved
- Physical card recorded · 22 October 2026 · auto-approved
- Airport lounge access recorded · 22 October 2026 · auto-approved