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Tangem Pay vs XPlace Card

Tangem Pay

Crypto native

4.8
Get the card
XPlace Card

Crypto native

6.6
Get the card

Verdict

  • XPlace Card scores higher overall (6.6 vs 4.8 out of 10).
  • XPlace Card is clearly stronger on: Fees, Credit & financing, Transparency.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Tangem Pay is a good fit for

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

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, Credit & financing, Transparency

★ 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 & sourcesTangem Pay vs ether.fi CashXPlace Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionTangem PayXPlace Card
Fees79100
Cashback & rewards3036
Availability3–
FX & international40–
Product features7070
Custody & security8080
Credit & financing3075
Limits & ATM20–
Transparency86100
Best for Cashback4.25.6
Best for Travel4.3n/a
Best for Self-Custody6.87.3
Best for DeFi Users6.07.2
Best for Stablecoins6.17.1
Best for High Spenders4.25.8
Best for Low Fees6.28.0
Best for Beginners6.27.7
Best Crypto Credit Cardn/a7.6

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
ActiveConditions apply: tap or hover for detailsShow source

Silver physical cards live; Gold and Platinum physical cards coming soon

Card type

Stablecoin cardConditions apply: tap or hover for detailsShow source

Funded with USDC loaded in advance; no credit line

Debit card, Crypto-backed creditShow source

Network

VisaShow source
VisaShow source

Custody model

Self-custodyShow source
Self-custodyShow source

Card issuer / program manager

Card issued by Rain (Visa Principal Member); service provided by Paera LLCShow source
Third National; programme managed by Signify Holdings, Inc. (Rain)Show source

Tiers / plans

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

Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/year)Show source

Fees

Annual fee

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

Basic plan; Silver $99, Gold $249, Platinum $999 a year

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Basic tier; Plus $29.99/month

No data yet

Virtual card fee

FreeConditions apply: tap or hover for detailsShow source

Basic tier

No data yet

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

No data yet

FX fee

1.5%Conditions apply: tap or hover for detailsShow source

Up to; Tangem pages show 1% and 1.5%

No data yet

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

No data yet

ATM fee

4%Conditions apply: tap or hover for detailsShow source

Basic tier; 2% on Plus

No data yet

Other fees & markups

Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchasesShow source
No data yet

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

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

0.5%Conditions apply: tap or hover for detailsShow source

Basic plan, Credit Mode

Max cashback

4%Conditions apply: tap or hover for detailsShow source

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

2%Conditions apply: tap or hover for detailsShow source

Platinum plan ($999/year), Credit Mode

Cashback paid in

USDCShow source
USDCShow source

Cashback type

StablecoinShow source
StablecoinShow source

Interest on balance

No data yet
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-eligible spend cap

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

Basic tier, per month; Plus $15,000

No data yet

Max cashback per month

$100/monthConditions apply: tap or hover for detailsShow source

Basic tier; Plus $300, Prestige $1000

No data yet

Cashback conditions

Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycleShow source
Rates apply to Credit Mode: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%Show 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
No data yet

Credit & financing

Credit line

NoShow source
YesShow source

Credit type

NoneShow source
Crypto-backed creditShow source

Collateral assets

No data yet
BTC · ETH · SOL · JitoSOL · USDT · Tokenized stocksShow source

Max loan-to-value

No data yet
80%Conditions apply: tap or hover for detailsShow source

Tether vault; SOL and BTC 65%, ETH 70%

Liquidation risk

No data yet
YesShow source

Spend own balance directly

No data yet
YesShow source

Spend by borrowing against collateral

No data yet
YesShow 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)

No data yet

Account / spend currencies

USDShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

US routing and account number (ACH/FedWire), not an IBAN

No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesConditions apply: tap or hover for detailsShow source

Page elsewhere mentions up to three virtual cards

YesConditions apply: tap or hover for detailsShow source

Silver plan; Gold and Platinum coming soon

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Contactless ATMs only, via Apple Pay or Google Pay

No data yet

Spend stablecoins

YesShow source
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.

NoConditions apply: tap or hover for detailsShow source

Basic plan; Silver 1, Gold 4 visits a year, Platinum unlimited

Travel / rental car insurance

NoConditions apply: tap or hover for detailsShow source

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

No data yet

Purchase protection

NoConditions apply: tap or hover for detailsShow source

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

No data yet

Spendable assets

USDC · USDTShow source
BTC (cbBTC) · ETH (wETH) · SOL · JitoSOL · USDC · USDT · xStocks (tokenized equities)Show source

Blockchains

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

Limits

ATM limit

$250Conditions apply: tap or hover for detailsShow source

Per transaction; up to 3 withdrawals per 24 hours

No data yet

Spending limit

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

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

$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

Tangem Pay

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • ATM costs−48 EUR
  • Cashback+180 EUR
  • Net annual value78 EUR

XPlace Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+90 EUR
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Tangem Pay comparisons

More XPlace Card comparisons