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Fuse Card vs Tangem Pay

Fuse Card

Crypto native

6.4
Get the card
Tangem Pay

Crypto native

4.8
Get the card

Verdict

  • Fuse Card scores higher overall (6.4 vs 4.8 out of 10).
  • Fuse Card is clearly stronger on: Fees, Availability, FX & international, Transparency.
  • Tangem Pay is clearly stronger on: Product features.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Fuse Card is a good fit for

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

Stronger on: Fees, Availability, FX & international, Transparency

Tangem Pay is a good fit for

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

Stronger on: Product features

★ 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 & sourcesFuse Card vs ether.fi CashTangem Pay vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionFuse CardTangem Pay
Fees10079
Cashback & rewards–30
Availability233
FX & international10040
Product features5370
Custody & security8080
Credit & financing3030
Limits & ATM2020
Transparency10086
Best for Cashback6.04.2
Best for Travel7.14.3
Best for Self-Custody7.96.8
Best for DeFi Users6.96.0
Best for Stablecoins8.26.1
Best for High Spenders6.34.2
Best for Low Fees8.86.2
Best for Beginners7.06.2

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

Prepaid cardConditions apply: tap or hover for detailsShow source

Lead Bank Prepaid Visa; not a gift card, no expiration date

Stablecoin cardConditions apply: tap or hover for detailsShow source

Funded with USDC loaded in advance; no credit line

Network

VisaShow source
VisaShow source

Custody model

Self-custodyConditions apply: tap or hover for detailsShow source

Solana smart account with multiple keys

Self-custodyShow source

Card issuer / program manager

Lead BankConditions apply: tap or hover for detailsShow source

Issuer: Lead Bank, a Missouri state-chartered bank; Program Manager: Bridge Ventures LLC; Platform Provider: Selimor Investments Ltd d/b/a Squads Labs (Fuse)

Card issued by Rain (Visa Principal Member); service provided by Paera LLCShow source

Tiers / plans

No data yet
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

Virtual card fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Basic tier

Replacement fee

FreeShow source
$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

0%Conditions apply: tap or hover for detailsShow source

Including purchases outside the US

1.5%Conditions apply: tap or hover for detailsShow source

Up to; Tangem pages show 1% and 1.5%

Top-up fee

FreeShow source
$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

No data yet
4%Conditions apply: tap or hover for detailsShow source

Basic tier; 2% on Plus

Settlement fee

FreeShow source
No data yet

Other fees & markups

Fees for Stablecoin Sales and other transactions incidental to card use may be charged by the Platform Provider (Fuse) or Program Manager (Bridge); amounts not stated in this agreementShow source
Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchasesShow source

Cashback & rewards

Base cashback

No data yet
1%Conditions apply: tap or hover for detailsShow source

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

Max cashback

No data yet
4%Conditions apply: tap or hover for detailsShow source

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

Cashback paid in

No data yet
USDCShow source

Cashback type

No data yet
StablecoinShow source

Cashback-eligible spend cap

No data yet
$10,000/monthConditions apply: tap or hover for detailsShow source

Basic tier, per month; Plus $15,000

Max cashback per month

No data yet
$100/monthConditions apply: tap or hover for detailsShow source

Basic tier; Plus $300, Prestige $1000

Cashback conditions

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

Reward exclusions

No data yet
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
NoneShow source

Spend own balance directly

YesConditions apply: tap or hover for detailsShow source

At each purchase the Program Manager sells stablecoins from the user's Fuse (Platform Provider) wallet and loads the fiat proceeds onto the card

No data yet

Availability

Available in

United States, Argentina, BO, Brazil, Colombia, CR, DO, EC, SV, GH, GT, HN, Mexico, PA, Nigeria, PY, Peru, UYConditions apply: tap or hover for detailsShow source

US except residents of New York and Alaska; age 18+; KYC required. The FAQ also contains an older line naming only the U.S. and Argentina

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

USDConditions apply: tap or hover for detailsShow source

The card holds only fiat currency; fees are applied to the U.S. dollar amount of each transaction

USDShow source

Own IBAN / bank details

No data yet
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

No data yet
YesShow source

Physical card

No data yet
YesConditions apply: tap or hover for detailsShow source

Page elsewhere mentions up to three virtual cards

Virtual card

YesShow source
YesShow source

ATM withdrawals

NoShow source
YesConditions apply: tap or hover for detailsShow source

Contactless ATMs only, via Apple Pay or Google Pay

Spend stablecoins

YesShow source
YesShow source

Airport lounge access

No data yet
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

No data yet
NoConditions apply: tap or hover for detailsShow source

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

Purchase protection

No data yet
NoConditions apply: tap or hover for detailsShow source

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

Spendable assets

USDCConditions apply: tap or hover for detailsShow source

Only USDC in the Card Account

USDC · USDTShow source

Blockchains

SolanaShow source
Polygon · Base · BNB Smart Chain · ArbitrumShow source

Limits

ATM limit

No data yet
$250Conditions apply: tap or hover for detailsShow source

Per transaction; up to 3 withdrawals per 24 hours

Spending limit

$2,000Conditions apply: tap or hover for detailsShow source

Per day by default; may be raised after some usage

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

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

Security & custody

Deposit protection

NoConditions apply: tap or hover for detailsShow source

Fiat currency on the card is not eligible for FDIC insurance

No data yet

Annual cost at 1,500 EUR/month

Fuse Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • Per-transaction fees+0 EUR
  • ATM costsunknown
  • 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

More Fuse Card comparisons

More Tangem Pay comparisons