Tangem Visa Platinum cardStandard card design

Source checked22 sourcesLast checked Oct 17, 2026

Stablecoin account + Visa card

Tangem Card

Tangem Pay supports virtual and physical Visa spending, USDC and USDT funding, Apple Pay and Google Pay. Basic earns 1% eligible cashback and Plus 2%, with physical ordering in supported residence countries and ATM access for qualifying cards.

View Tangem Compare card

Best fit

Tangem users funding everyday purchases with supported USDC or USDT.
Eligible purchases of $30 or more earning Basic's 1%, up to $100/month.
Using USD bank transfers alongside crypto funding and physical-card spending.

Before you choose

In-store EU/UK purchases earn no cashback, including phone-wallet payments.
Plus costs $29.99/month unless you meet a fee-waiver condition.
Refund balances can be spent by card but cannot be withdrawn on-chain.

01 · Fees & limits

Card costs

ItemValueConditions & scope

Entry plan$0 / yearBasic tier.

Foreign feesNot disclosedVisa standard rate; a cross-border fee may apply, effective percentage unknown (legal maximum 3%)

ATM withdrawal2% / 4%Basic 4%; Plus 2%; operator surcharges separate. Eligible cards and supported ATMs only. Help specifies contactless-enabled ATMs; qualifying virtual cards were issued after March 10, 2026 and show Visa Platinum or Signature in the phone wallet. Older virtual cards can require reissue.

Card spending0%Card payment fee. FX and conversion charges are listed separately.

USD transaction$0Fixed fee per applicable card transaction.

Physical card$15.63-$63.45 or freeBasic delivery: $15.63–$63.45 depending on country; Plus first delivery free, later orders and replacements pay delivery

Extra virtual card$5$5 for an additional virtual card; Basic permits 3 cards total and Plus 5, counting virtual and physical cards. Included allowance: $0 for the first virtual card.

Limits and secondary fees

ItemValueConditions & scope

Late paymentUp to $40The applicable programme terms permit this maximum.

Returned paymentUp to $29The applicable programme terms permit this maximum.

Liquidation penaltyUp to $35The collateralized legal programme permits this charge, although the user-facing card does not provide revolving credit.

Declined transactionNot disclosedNo reusable declined-transaction fee is published.

Daily card spend$10,000/dayBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controls

Monthly card spendNot disclosedNo current monthly POS amount is published; up to 1,000 POS transactions per month

Annual card spend$10,000,000

ATM limit$250/withdrawal$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM required

Account deposit$100,000/day$100,000 daily; $1,000,000 monthly; $10,000,000 annually

02 · Rewards & tiers

Cashback & memberships

Basic earns 1% and Plus earns 2% on eligible purchases of at least $30, capped at $100 and $300 per month respectively. Cashback is paid in USDC on Polygon the following month. Prestige and its advertised 4% rate remain coming soon and are excluded.

Entry rate1%

Basic; eligible purchases of at least $30

Maximum live rate2%

Plus; $29.99 monthly unless a published waiver applies

Reward assetUSDC

Paid on Polygon the following month

Monthly cap$100–$300

Basic $100; Plus $300

Cashback excludes EU/UK in-store purchases under Tangem's general description, including Apple Pay, Google Pay and physical taps. E-commerce has separate eligibility and MCC exclusions. The US-user paragraph mentions EU only; UK eligibility for US accounts needs confirmation.

Memberships

Base plan

Basic

Virtual and physical Visa Platinum

$0/yr

Cashback: 1% in USDC
Cashback Cap: $100 / month
Requirement: Active Tangem Pay Basic plan
ATM: 4%; $250 per withdrawal, up to three per 24 hours
Physical card: Destination-dependent delivery quote shown in the app

Paid plan

Plus

Virtual and physical Visa Signature

$360/yr

Cashback: 2% in USDC
Cashback Cap: $300 / month
Requirement: Subscribe to Tangem Pay Plus
ATM: 2%; $250 per withdrawal, up to three per 24 hours
Physical card: First physical delivery free once; later orders and replacements use the destination quote

03 · Everyday use

Card access & apps

Card access

Visa network
Virtual card
Physical card
ATM withdrawals

Wallets & apps

Apple Pay
Google Pay
iOS app
Android app
Web appNot available

04 · Money in and out

Balance, payments & transfers

Balance & payments

Hybrid settlement

Funding and settlement cross wallet and provider-controlled account boundaries.

Conversion

How a received asset reaches the spendable balance depends on the supported asset and account setup.

Money in

Crypto depositsUSDC · USDTFeeNo fixed feeDetails

Access path: Direct card balance
Networks by asset: USDC: Polygon, BNB Smart Chain, Base, Arbitrum · USDT: Polygon, BNB Smart Chain, Base, Arbitrum
Limits: Up to $100,000 daily, $1,000,000 monthly and $10,000,000 annually; account controls may be lower
Conditions: Use only a currently supported native asset and network combination shown in Tangem Pay.
Timing: Not confirmed
Fee conditions: No Tangem card top-up fee is listed; Polygon gas is an external network cost
How it works: Credits the aggregated Tangem Pay balance after network confirmation
Fee breakdown: No provider transfer fee

USD ACH depositUSDFee$1Details

Access path: Direct card balance
Availability: Only where available in the app; supported card residence required
Account setup: virtual account
Conditions: Available where shown in Tangem Pay for the verified country. Own-name and third-party incoming USD transfers convert to USDC. Sending-bank fees are separate.
Timing: Timing shown in app
Limits: Bank-specific limits shown in app; no universal amount confirmed
Fee conditions: Basic $1; Plus free; sending-bank fees separate
How it works: Incoming USD is converted to USDC for the Tangem Pay balance
Fee breakdown: $1 · bank deposit

USD Fedwire depositUSDFee$11Details

Access path: Direct card balance
Availability: Only where available in the app; supported card residence required
Account setup: virtual account
Conditions: Available where shown in Tangem Pay for the verified country. Own-name and third-party incoming USD transfers convert to USDC. Sending-bank fees are separate.
Timing: Timing shown in app
Limits: Bank-specific limits shown in app; no universal amount confirmed
Fee conditions: Basic $11; Plus free; sending-bank fees separate
How it works: Incoming USD is converted to USDC for the Tangem Pay balance
Fee breakdown: $11 · bank deposit

Money out

USDC withdrawal to Tangem WalletUSDCFeeNot confirmedDetails

Access path: Direct card balance
Networks by asset: USDC: Polygon
Availability: Native USDC on Polygon to the linked Tangem wallet
Limits: Not publicly confirmed
Conditions: International terms mention three business days' notice, but the current effective timing is not established. Refund balance cannot be withdrawn and remains card-spend only.
Timing: Request is available in app; effective international completion timing is unknown
Fee conditions: Provider withdrawal fee not separately stated; Polygon gas is external

USD ACH withdrawalUSDC · USDFee$1Details

Access path: Direct card balance
Networks by asset: USDC: Polygon, Base, Arbitrum
Availability: Only where enabled for the verified country; US destination banks only
Limits: $10,000 per transfer; no stated daily or monthly cap
Conditions: Where enabled for the KYC-verified country, ACH and Fedwire withdrawals support own-name, third-party and business recipients at US banks only. Positive USDC on Polygon, Base or Arbitrum is required. The limit is $10,000 per transfer, with no stated daily or monthly cap. Basic fees are added to the payout; Plus outbound fees differ across the current official pages; confirm the payout quote. Partner or bank charges may apply.
Timing: Usually up to 3 business days
Fee conditions: Basic: $1 ACH / $11 Fedwire. Plus payout fee conflicts between current official pages; check the quote.
Fee breakdown: $1 · bank payout; Plus payout fee unresolved

USD Fedwire withdrawalUSDC · USDFee$11Details

Access path: Direct card balance
Networks by asset: USDC: Polygon, Base, Arbitrum
Availability: Only where enabled for the verified country; US destination banks only
Limits: $10,000 per transfer; no stated daily or monthly cap
Conditions: Where enabled for the KYC-verified country, ACH and Fedwire withdrawals support own-name, third-party and business recipients at US banks only. Positive USDC on Polygon, Base or Arbitrum is required. The limit is $10,000 per transfer, with no stated daily or monthly cap. Basic fees are added to the payout; Plus outbound fees differ across the current official pages; confirm the payout quote. Partner or bank charges may apply.
Timing: Usually up to 1 business day
Fee conditions: Basic: $1 ACH / $11 Fedwire. Plus payout fee conflicts between current official pages; check the quote.
Fee breakdown: $11 · bank payout; Plus payout fee unresolved

06 · Trust and eligibility

Availability & providers

Identity & KYC

Required

Identity verification is required to access card services.

Verification provider: Sumsub

Availability

41 countries listed as regional guidance

These entries are regional guidance rather than a complete signup list. A missing country is not treated as unavailable; confirm programme assignment and eligibility during signup.

Residence perimeter: 41 countriesPublished regional guidance; final access remains account- and KYC-dependent.
Explicit restrictions: 18 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
Final access check: Confirm during signupCountry guidance does not guarantee access; programme assignment and KYC still apply.

Residence eligibility perimeter41 countries · access still account-gated

Antigua and BarbudaArgentinaAustraliaBahamasBarbadosBelizeBoliviaBrazilCayman IslandsColombiaCosta RicaDominicaDominican RepublicEcuadorEl SalvadorGhanaGrenadaGuatemalaGuyanaHondurasJapanKenyaMexicoNew ZealandNigeriaPakistanPanamaParaguayPeruPhilippinesSaint Kitts and NevisSaint LuciaSaint Vincent and the GrenadinesSingaporeSouth AfricaSurinameTrinidad and TobagoTurks and Caicos IslandsUnited Arab EmiratesUnited StatesUruguay

Explicit restriction list18 countries

BelarusChinaCubaIndiaIranIraqIsraelMyanmarNepalNicaraguaNorth KoreaRussiaSri LankaSyriaTurkeyUkraineVenezuelaVietnam

Who handles what

The named organisations and their current roles are listed below.

RoleHandled byResponsibility and scope

Card productTangem

Provides the product and account experience. Named legal operators appear separately.

Custody controlCardholder

Retains control of funds until payment.

Hybrid custody

Card processingPaera LLC

Supports card processing for the applicable programme.

Jurisdiction: Delaware, United States

Card issuerThird National

Issues the card for the applicable programme.

Card services / infrastructureRain

Provides card services and infrastructure for the applicable programme; this does not by itself establish the issuer.

Identity verificationSumsub

Runs identity verification for the applicable programme.

07 · Methodology

Why the score is 79

Missing or undisclosed fields receive no positive credit.

79/100

Good

Higher is better

Cost efficiency 53

Rewards value 64

Everyday usability 99

Funding & transfers 80

Availability & eligibility 51

Custody & control 85

Company & infrastructure 84

Key score driversLargest effects after applying the Overall category weights

Strongest lift99

Everyday usability

Visa spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.

Additional support85

Custody & control

Hybrid custody; funds remain user-controlled before payment.

Main constraint53

Cost efficiency

No monthly fee shape the day-to-day cost profile.

08 · Offers & news

Latest from Tangem Card

NewsOct 14, 2026

Tangem Pay adds bank withdrawals through ACH and Fedwire

Tangem supports eligible USD withdrawals to US banks by ACH and Fedwire. Basic fees are $1 and $11 respectively. Current official pages disagree on Plus payout fees; check the app quote.

NewsOct 11, 2026

Tangem opens physical-card orders with tier-specific ATM fees

Tangem opened physical-card ordering on October 9 for supported residence countries. Delivery is quoted by destination in the app; Plus waives the first delivery. Eligible ATM withdrawals cost 4% on Basic or 2% on Plus.

NewsSep 20, 2026

Tangem Pay launches cashback for Basic and Plus users

Tangem Pay now offers 1% cashback on Basic and 2% on Plus for eligible purchases of at least $30. It also lists USDC and USDT funding across Polygon, BNB Smart Chain, Base and Arbitrum.

See all 3 news updates for Tangem Card

09 · Card comparison

How Tangem Card compares to others

1 / 3

Current card

Tangem Card

Fund with USDC or USDT on Polygon, BNB Smart Chain, Base or Arbitrum.

Card: Wallet-linked Visa, Virtual + Physical
Funds control: Hybrid custody
Cashback: 1%–2%
FX fee: Not confirmed
Apps: iOS, Android
Stablecoin set: USDC + USDT
Transfers & payouts: Crypto + Bank transfers

Similar match

Oobit Card

MetaMask, Trust Wallet and Phantom can fund payments without prefunding.

Card: Wallet-linked Visa, Virtual only
Funds control: Hybrid custody
Cashback: 5%–10%
FX fee: Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice.
Apps: iOS, Android · Web app not confirmed
Stablecoin set: USDC, USDT, USDR +1
Transfers & payouts: Bank + Internal transfers

Similar match

Plasma One Core Visa Signature card design

Plasma One Card

A virtual Visa stablecoin card for iOS and Android, with optional Plasma Earn.

Card: Wallet-linked Visa, Virtual + Physical
Funds control: Self-controlled wallet
Cashback: 2%–10%
FX fee: 0–1% + 1% Visa fee
Apps: iOS, Android · Web app not confirmed
Stablecoin set: USDT, USDC + USDG
Transfers & payouts: Crypto, Bank + Internal transfers

Want a deeper comparison?

Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.

Compare Cards

10 · Evidence

Sources

22 sources20 officialSources checked Oct 17, 2026Profile updated Oct 31, 2026

Primary sourcesOfficial product, fee, membership and legal pages

Tangem Pay physical-card launchOfficial source ↗Tangem Pay product and roadmapOfficial source ↗Tangem Pay funding, withdrawals and feesOfficial source ↗Tangem cashback merchant-geography exclusionsOfficial source ↗Tangem Pay card setup and limitsOfficial source ↗Tangem Pay Basic and Plus tiersOfficial source ↗

Unconfirmed details6 items

These details have not been verified for this profile. Missing information does not mean a service is free or available.

Current Effective Fx Fee Percent is not confirmed
Effective Basic Daily Spending Limit USD is not confirmed
Effective International Collateral Withdrawal Timing Business Days is not confirmed
Physical Card Launch Date is not confirmed
Physical Card Issuance Fee is not confirmed
Physical Card Shipping Fee is not confirmed

Help keep this page accurate