CL Card (Ledger) vs Tangem Pay
Crypto native
Crypto native
Verdict
- CL Card (Ledger) scores higher overall (6.0 vs 4.8 out of 10).
- CL Card (Ledger) is clearly stronger on: Availability, Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
CL Card (Ledger) is a good fit for
- Users who need credit rather than a debit/prepaid card
Stronger on: Availability, Credit & financing
Tangem Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Score by criterion
| Criterion | CL Card (Ledger) | Tangem Pay |
|---|---|---|
| Fees | – | 79 |
| Cashback & rewards | 24 | 30 |
| Availability | 100 | 3 |
| FX & international | – | 40 |
| Product features | 70 | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | 75 | 30 |
| Limits & ATM | – | 20 |
| Transparency | 93 | 86 |
| Best for Cashback | 4.6 | 4.2 |
| Best for Travel | n/a | 4.3 |
| Best for Self-Custody | n/a | 6.8 |
| Best for DeFi Users | 6.0 | 6.0 |
| Best for Stablecoins | n/a | 6.1 |
| Best for High Spenders | 4.5 | 4.2 |
| Best for Low Fees | n/a | 6.2 |
| Best for Beginners | 7.1 | 6.2 |
| Best Crypto Credit Card | 6.5 | n/a |
Product
Product status
ActiveShow source
Product status: Active
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
ActiveShow source
Product status: Active
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Card type
Debit cardShow source
Card type: Debit card
Source states (paraphrased): Securely fund your debit card via Ledger Wallet™.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Stablecoin card*Show source
Card type: Stablecoin card
Funded with USDC loaded in advance; no credit line
Source states (paraphrased): It is a virtual Visa card issued by Rain , funded with USDC, which you load first.
Source: Is Tangem Pay a Credit Card or a Debit Card?
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Funded with USDC loaded in advance; no credit line
Network
Visa*Show source
Network: Visa
Stated for the US card only
Source states (paraphrased): The VISA debit card offered in the US is in partnership with Cross River Bank, Member FDIC
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Stated for the US card only
VisaShow source
Network: Visa
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Custody model
CustodialShow source
Custody model: Custodial
Source states (paraphrased): Once you transfer funds from your wallet to the card, they are no longer under self-custody.
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Self-custodyShow source
Custody model: Self-custody
Source states (paraphrased): your assets remain in your own self-custodial smart contract throughout
Source: Help center | Partners & Roadmap
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Card issuer / program manager
Frozen Time Unipessoal LDA (Crypto Life platform), with partner baanx.com LtdShow source
Card issuer / program manager: Frozen Time Unipessoal LDA (Crypto Life platform), with partner baanx.com Ltd
Source states (paraphrased): The Crypto Life Platform is provided by Frozen Time Unipessoal LDA
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Card issued by Rain (Visa Principal Member); service provided by Paera LLCShow source
Card issuer / program manager: Card issued by Rain (Visa Principal Member); service provided by Paera LLC
Source states (paraphrased): The Tangem Pay card is issued by Rain , a Visa Principal Member
Source: Help center | Partners & Roadmap
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Tiers / plans
Basic (free) · Plus ($29.99/month) · Prestige ($999/year, coming soon)*Show source
Tiers / plans: Basic (free) · Plus ($29.99/month) · Prestige ($999/year, coming soon)
Plus free with $4,500 monthly spend or $65,000 in Yield Mode; Prestige coming soon
Source states (paraphrased): Tangem Pay fixes this with its first membership tiers: Basic, Plus, and Prestige .
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Plus free with $4,500 monthly spend or $65,000 in Yield Mode; Prestige coming soon
Fees
Monthly fee
Free*Show source
Monthly fee: Free
Basic tier; Plus $29.99/month
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Basic tier; Plus $29.99/month
Virtual card fee
Free*Show source
Virtual card fee: Free
Currency not stated on the page
Source states (paraphrased): Free virtual card
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Currency not stated on the page
Free*Show source
Virtual card fee: Free
Basic tier
Source states (paraphrased): Free virtual card. No monthly fees.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Basic tier
Replacement fee
$5*Show source
Replacement fee: $5
Virtual card replacement/additional card $5; plastic: delivery fee only (Basic and Plus); Prestige $0
Source states (paraphrased): Virtual: $5; Plastic: delivery fee only
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Virtual card replacement/additional card $5; plastic: delivery fee only (Basic and Plus); Prestige $0
FX fee
1.5%*Show source
FX fee: 1.5%
Up to; Tangem pages show 1% and 1.5%
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Up to; Tangem pages show 1% and 1.5%
Top-up fee
$1*Show source
Top-up fee: $1
Bank top-up via ACH (free on Plus); FedWire $11 (comparison table says $10); crypto top-ups incur network fees
Source states (paraphrased): Send USD from your US bank account via ACH ($1 flat fee, free on Plus) or FedWire ($11 flat fee).
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Bank top-up via ACH (free on Plus); FedWire $11 (comparison table says $10); crypto top-ups incur network fees
ATM fee
4%*Show source
ATM fee: 4%
Basic tier; 2% on Plus
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Basic tier; 2% on Plus
Other fees & markups
3.49% fee on withdrawals to own bank account · Physical card delivery fee may apply · Replacement card fees may apply · Liquidation fee percentage applied when calculating available balanceShow source
Other fees & markups: 3.49% fee on withdrawals to own bank account · Physical card delivery fee may apply · Replacement card fees may apply · Liquidation fee percentage applied when calculating available balance
Source states (paraphrased): The fee is 3.49% of the total amount you request to withdraw.
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchasesShow source
Other fees & markups: Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchases
Source states (paraphrased): Polygon gas fees apply when topping up the card (paid to the Polygon network, not to Tangem), and Visa foreign-exchange fees apply
Source: Is Tangem Pay a Credit Card or a Debit Card?
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Cashback & rewards
Base cashback
1%*Show source
Base cashback: 1%
Calculated monthly on all card spend
Source states (paraphrased): 1% in BTC or USDC (US) / BTC or USDT (elsewhere).
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Calculated monthly on all card spend
1%*Show source
Base cashback: 1%
Basic tier; minimum $30 per transaction; monthly cap applies
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Basic tier; minimum $30 per transaction; monthly cap applies
Max cashback
2%*Show source
Max cashback: 2%
If cashback is paid in BXX (Baanx token)
Source states (paraphrased): or a 2% reward if you choose BXX
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
If cashback is paid in BXX (Baanx token)
4%*Show source
Max cashback: 4%
Prestige tier ($999/year, coming soon); Plus 2%
Source states (paraphrased): Earn up to 4% cashback
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Prestige tier ($999/year, coming soon); Plus 2%
Cashback paid in
BTC, USDT or BXXShow source
Cashback paid in: BTC, USDT or BXX
Source states (paraphrased): currently available in BTC, USDT, and BXX
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
USDCShow source
Cashback paid in: USDC
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Cashback type
CryptoShow source
Cashback type: Crypto
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
StablecoinShow source
Cashback type: Stablecoin
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Cashback-eligible spend cap
$10,000/month*Show source
Cashback-eligible spend cap: $10,000/month
Basic tier, per month; Plus $15,000
Source states (paraphrased): That means up to $10,000 in monthly spending is eligible.
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Basic tier, per month; Plus $15,000
Max cashback per month
$100/month*Show source
Max cashback per month: $100/month
Basic tier; Plus $300, Prestige $1000
Source states (paraphrased): Basic tier users earn 1% back on all eligible purchases, capped at $100 per month.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Basic tier; Plus $300, Prestige $1000
Cashback conditions
Choose the cashback asset first · Calculated on all monthly card transactions and paid at the end of each monthShow source
Cashback conditions: Choose the cashback asset first · Calculated on all monthly card transactions and paid at the end of each month
Source states (paraphrased): At the end of each month, you will receive your reward for the total amount of card transactions.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycleShow source
Cashback conditions: Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycle
Source states (paraphrased): Cashback requires a minimum transaction amount of $30.
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Staking / holding required for top rewards
NoShow source
Staking / holding required for top rewards: No
Source states (paraphrased): No staking required.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Reward exclusions
Transactions funded by CryptodraftShow source
Reward exclusions: Transactions funded by Cryptodraft
Source states (paraphrased): excluding transactions funded by Cryptodraft
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
In-store purchases (incl. tap-to-pay) at EU and UK merchants · Excluded merchant category codes listed in the cashback termsShow source
Reward exclusions: In-store purchases (incl. tap-to-pay) at EU and UK merchants · Excluded merchant category codes listed in the cashback terms
Source states (paraphrased): cashback does not apply to in-store purchases at EU and UK merchants.
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Optional; rates depend on country of residence
Source states (paraphrased): You can also choose to use your crypto as collateral. Access smart credit lines with rates starting at 0% depending on your country of residence
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Optional; rates depend on country of residence
NoShow source
Credit line: No
Source states (paraphrased): USDC goes in first, Visa handles the payment, and no credit line is created.
Source: Is Tangem Pay a Credit Card or a Debit Card?
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Credit type
Crypto-backed credit*Show source
Credit type: Crypto-backed credit
Optional credit line
Source states (paraphrased): You can also choose to use your crypto as collateral.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Optional credit line
NoneShow source
Credit type: None
Source states (paraphrased): USDC goes in first, Visa handles the payment, and no credit line is created.
Source: Is Tangem Pay a Credit Card or a Debit Card?
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Collateral assets
BTC · ETH*Show source
Collateral assets: BTC · ETH
Cryptodraft and Stableloan collateral; BXX usable as collateral for stablecoin borrowing (max 10% LTV)
Source states (paraphrased): BTC or ETH.
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Cryptodraft and Stableloan collateral; BXX usable as collateral for stablecoin borrowing (max 10% LTV)
Max loan-to-value
60%*Show source
Max loan-to-value: 60%
Cryptodraft
Source states (paraphrased): spend up to 60% of your collateral value as credit spent on your card
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Cryptodraft
Interest notes
Cryptodraft: first 10% spent interest-free, remaining 50% at 1% monthly percentage rate (MPR); higher interest-free LTV with staked BXXShow source
Interest notes: Cryptodraft: first 10% spent interest-free, remaining 50% at 1% monthly percentage rate (MPR); higher interest-free LTV with staked BXX
Source states (paraphrased): The first 10% you spend is interest-free, while the remaining 50% is subject to a 1% monthly percentage rate (MPR).
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Liquidation risk
Yes*Show source
Liquidation risk: Yes
Stableloan when LTV significantly exceeds agreed LTV
Source states (paraphrased): we may liquidate part or all of your collateral
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Stableloan when LTV significantly exceeds agreed LTV
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source states (paraphrased): Spend your crypto or use it as collateral
Source: Card program
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Spend by borrowing against collateral
Yes*Show source
Spend by borrowing against collateral: Yes
Page only says crypto can be used as collateral; no credit terms given
Source states (paraphrased): Spend your crypto or use it as collateral
Source: Card program
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Page only says crypto can be used as collateral; no credit terms given
Availability
Available in
EEA, United Kingdom, United States, Canada, Switzerland, Colombia, Mexico, Brazil*Show source
Available in: EEA, United Kingdom, United States, Canada, Switzerland, Colombia, Mexico, Brazil
Per Ledger shop FAQ; other Ledger pages list fewer regions
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Per Ledger shop FAQ; other Ledger pages list fewer regions
United States*Show source
Available in: United States
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Account / spend currencies
USDShow source
Account / spend currencies: USD
Source states (paraphrased): The card currency is USD
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Own IBAN / bank details
Yes*Show source
Own IBAN / bank details: Yes
US routing and account number (ACH/FedWire), not an IBAN
Source states (paraphrased): Your Tangem Pay account has its own routing number and account number.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
US routing and account number (ACH/FedWire), not an IBAN
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): Use your card with Apple Pay and Google Pay.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
YesShow source
Apple Pay: Yes
Source states (paraphrased): add your card to Apple Pay or Google Pay
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): Use your card with Apple Pay and Google Pay.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
YesShow source
Google Pay: Yes
Source states (paraphrased): add your card to Apple Pay or Google Pay
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Physical card
YesShow source
Physical card: Yes
Source states (paraphrased): To order a physical card, you may be required to pay a delivery fee.
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Yes*Show source
Physical card: Yes
Page elsewhere mentions up to three virtual cards
Source states (paraphrased): you can open up to five virtual and plastic Visa cards
Source: Help center | What is Tangem Pay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Page elsewhere mentions up to three virtual cards
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Free virtual card
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
YesShow source
Virtual card: Yes
Source states (paraphrased): You receive a virtual Visa card.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): Withdraw local currencies at ATMs worldwide
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Yes*Show source
ATM withdrawals: Yes
Contactless ATMs only, via Apple Pay or Google Pay
Source states (paraphrased): You can withdraw cash at any contactless ATM.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Contactless ATMs only, via Apple Pay or Google Pay
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Airport lounge access
No*Show source
Airport lounge access: No
Basic (free) has no free visits (paid); Plus 2 and Prestige 8 free visits/year, marked coming soon. Only Plus and Prestige tiers.
Source states (paraphrased): Enjoy complimentary access to airport lounges worldwide with included Priority Pass/Dragon Pass visits.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
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*Show source
Travel / rental car insurance: No
Auto rental insurance only on Plus and Prestige; Basic is 'Not Insured'.
Source states (paraphrased): Coverage for accidental damage when you pay for your rental car with your card.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Auto rental insurance only on Plus and Prestige; Basic is 'Not Insured'.
Purchase protection
No*Show source
Purchase protection: No
Purchase protection and extended warranty only on Plus and Prestige; Basic is 'No'.
Source states (paraphrased): Coverage against theft or accidental damage on eligible purchases.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Purchase protection and extended warranty only on Plus and Prestige; Basic is 'No'.
Spendable assets
BTC · ETH · SOL · Stablecoins*Show source
Spendable assets: BTC · ETH · SOL · Stablecoins
Top-up assets ('and more'); converted to fiat at purchase
Source states (paraphrased): Fund your card quickly and easily with BTC, ETH, SOL, stablecoins and more
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Top-up assets ('and more'); converted to fiat at purchase
USDC · USDTShow source
Spendable assets: USDC · USDT
Source states (paraphrased): Send USDC or USDT on Polygon, Base, BNB Smart Chain, or Arbitrum to your Tangem Pay deposit address.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Blockchains
Bitcoin · Litecoin · XRP · Ethereum · Solana*Show source
Blockchains: Bitcoin · Litecoin · XRP · Ethereum · Solana
Solana only for receiving SOL; Layer 2 networks not supported
Source states (paraphrased): the main blockchains of Bitcoin, Litecoin, XRP, Ethereum and Solana* are supported for receiving and sending crypto funds
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Solana only for receiving SOL; Layer 2 networks not supported
Polygon · Base · BNB Smart Chain · ArbitrumShow source
Blockchains: Polygon · Base · BNB Smart Chain · Arbitrum
Source states (paraphrased): Send USDC or USDT on Polygon, Base, BNB Smart Chain, or Arbitrum to your Tangem Pay deposit address.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Limits
ATM limit
$250*Show source
ATM limit: $250
Per transaction; up to 3 withdrawals per 24 hours
Source states (paraphrased): Your maximum withdrawal is $250 per transaction.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Per transaction; up to 3 withdrawals per 24 hours
Spending limit
$10,000*Show source
Spending limit: $10,000
Per day, Basic tier; Plus $50,000, Prestige $100,000
Source states (paraphrased): $10,000 daily spending limit
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Per day, Basic tier; Plus $50,000, Prestige $100,000
Security & custody
Regulation / licences
Frozen Time Unipessoal LDA: registered by Banco de Portugal for crypto-asset services · baanx.com Ltd: FCA-authorised for crypto-asset servicesShow source
Regulation / licences: Frozen Time Unipessoal LDA: registered by Banco de Portugal for crypto-asset services · baanx.com Ltd: FCA-authorised for crypto-asset services
Source states (paraphrased): registered by Banco de Portugal to provide Crypto Asset Services
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Annual cost at 1,500 EUR/month
CL Card (Ledger)
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- 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