Bit2Me Card vs Tangem Pay
Crypto native
Crypto native
Verdict
- Bit2Me Card scores higher overall (5.6 vs 4.8 out of 10).
- Bit2Me Card is clearly stronger on: Fees, Limits & ATM, Transparency.
- Tangem Pay is clearly stronger on: FX & international, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bit2Me Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Fees, Limits & ATM, Transparency
Tangem Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: FX & international, Custody & security
★ 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 | Bit2Me Card | Tangem Pay |
|---|---|---|
| Fees | 89 | 79 |
| Cashback & rewards | 28 | 30 |
| Availability | – | 3 |
| FX & international | 20 | 40 |
| Product features | 70 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 81 | 20 |
| Transparency | 100 | 86 |
| Best for Cashback | 4.9 | 4.2 |
| Best for Travel | 5.2 | 4.3 |
| Best for Self-Custody | n/a | 6.8 |
| Best for DeFi Users | 5.4 | 6.0 |
| Best for Stablecoins | n/a | 6.1 |
| Best for High Spenders | 4.7 | 4.2 |
| Best for Low Fees | 7.2 | 6.2 |
| Best for Beginners | 7.2 | 6.2 |
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
Debit cardShow source
Stablecoin cardConditions apply: tap or hover for detailsShow source
Funded with USDC loaded in advance; no credit line
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Card spends a linked wallet on the Bit2Me exchange
Self-custodyShow source
Card issuer / program manager
PECUNIA CARDS EDE, S.L.U. (Pecunpay), e-money institution supervised by the Bank of SpainShow source
Card issued by Rain (Visa Principal Member); service provided by Paera LLCShow source
Tiers / plans
Space Center levels 0–7Show source
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
Fees
Monthly fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
Basic tier; Plus $29.99/month
Physical card fee
€20Conditions apply: tap or hover for detailsShow source
Levels 0–2; €10 at level 3, €5 at level 4, free from level 5; plus €5 shipping outside Spain
Virtual card fee
FreeShow source
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
2%Conditions apply: tap or hover for detailsShow source
Worldwide currencies; 1.75% for non-euro SEPA currencies, 0% in euro
1.5%Conditions apply: tap or hover for detailsShow source
Up to; Tangem pages show 1% and 1.5%
Crypto conversion fee
0.95%Conditions apply: tap or hover for detailsShow source
Paying from a linked crypto wallet; 0% from the euro wallet
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
€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source
Outside the eurozone; domestic €0 (up to €300 free), other eurozone countries €2.50; physical card only
4%Conditions apply: tap or hover for detailsShow source
Basic tier; 2% on Plus
Free ATM allowance
€300/monthShow source
Other fees & markups
Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchasesShow 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
7%Conditions apply: tap or hover for detailsShow source
Highest Space Center level; up to 39% combined with Bit2Me Earn (+7%) and Bit2Me Life merchants (+25%)
4%Conditions apply: tap or hover for detailsShow source
Prestige tier ($999/year, coming soon); Plus 2%
Cashback paid in
B2MShow source
USDCShow source
Cashback type
Platform tokenShow 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
€300/monthConditions apply: tap or hover for detailsShow source
Level 7; €7.50 at level 1, none at level 0
$100/monthConditions apply: tap or hover for detailsShow source
Basic tier; Plus $300, Prestige $1000
Cashback conditions
Cashback level depends on the Bit2Me Space Center level · Monthly cashback cap from €7.50 (level 1) to €300 (level 7); no cashback cap listed at level 0 · Minimum purchase €0.30Show source
Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycleShow source
Reward exclusions
In-store purchases (incl. tap-to-pay) at EU and UK merchants · Excluded merchant category codes listed in the cashback termsShow source
Credit & financing
Credit line
NoShow source
NoShow source
Credit type
NoneShow 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
YesConditions apply: tap or hover for detailsShow source
US routing and account number (ACH/FedWire), not an IBAN
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
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
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Physical card only
YesConditions apply: tap or hover for detailsShow source
Contactless ATMs only, via Apple Pay or Google Pay
Spend stablecoins
YesShow source
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.
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
€300Conditions apply: tap or hover for detailsShow source
Per day; €3,000 a month
$250Conditions apply: tap or hover for detailsShow source
Per transaction; up to 3 withdrawals per 24 hours
Spending limit
€2,500Conditions apply: tap or hover for detailsShow source
Per transaction and per day; €20,000 a month
$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
Bit2Me Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashbackunknown
- Net annual valuenot enough data
Tangem Pay
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−48 EUR
- Cashback+180 EUR
- Net annual value78 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers