Why it stands out
- Fund from a Tangem wallet, external wallet or exchange using native USDC.
- The live virtual Visa supports both major phone wallets for contactless use.
- Current terms list $0 monthly, first-card issuance and purchase fees.
Tangem Visa Platinum cardStandard card design
Stablecoin account + Visa card
Tangem Card
Tangem, best known for its hardware wallets, adds a prefunded virtual Visa to the same cold-wallet ecosystem and is the most natural fit for existing Tangem users who want to spend native USDC on Polygon through Apple Pay or Google Pay. Physical cards, ATM access and rewards are not live yet.
No CEXUS availableFree base planStarter-friendlyStablecoin spendNo top-up fee
Main trade-offs
- Published reward rates are prelaunch material and do not apply today.
- Physical cards and ATM withdrawals remain unavailable in the live product.
- Visa rates apply and cross-border fees may apply, but no current rate is given.
01 · Core economics
Costs that matter
Tangem Card has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
ItemValueWhat it means
Monthly plan$0/moNo recurring monthly plan fee on the current entry offer
Cash funding0%$0 provider fee in the reviewed schedule; Polygon gas is an external network cost
Foreign exchangeNot disclosedVisa standard rate; a cross-border fee may apply, effective percentage unknown (legal maximum 3%)
Card spending0%No listed base spend fee
USD transaction$0Fixed fee per applicable card transaction.
Extra virtual card$5$5 for an additional virtual card; up to three are currently supported. Included allowance: $0 for the first virtual card.
Limits and secondary feesLimits and other fees
ATM withdrawalNot availableListed
Declined transactionNot disclosedListed
Daily card spendBasic advertises $10,000 daily; the account system/default shows up to $50,000, so the effective Basic limit is unknownListed
Monthly card spendNo current monthly POS amount is published; up to 1,000 POS transactions per monthListed
ATM limitNot availableListed
Account deposit$100,000 daily; $1,000,000 monthly; $10,000,000 annuallyListed
02 · Rewards & tiers
Rewards and paid tiers are announced, not live
Tangem has announced cashback and the Plus and Prestige memberships, but they are not live yet. The current Basic virtual card has no purchase rewards, so future rates and benefits do not affect the score.
Current Basic virtual card
Announced cashback is excluded until launch
No live reward payout
No live rewards programme
03 · Everyday use
How the card fits everyday use
See the live virtual-card access and the status of each standard account rail.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardVirtual only
- ATM withdrawalsNo ATM access
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot offered
Account rails
- Stablecoin depositsUSDC · Polygon
- USD bank detailsUnavailable
- EUR bank detailsUnavailable
- Local payoutsUnconfirmed
- Card-funded top-upsUnavailable
04 · Money in and out
How money enters, settles and leaves Tangem
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive1 route
Crypto deposits
1 route
Crypto depositsCredits the separate prefunded Tangem Pay collateral balance after network confirmation and balance synchronizationUSDCPolygonFeeNo fixed feeSpeedNot confirmedLimits$100,000 / dayAvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
Access path
Direct card balance
Asset / network map
USDC: Polygon
Availability
Supported asset and network combinations
Limit scope
Up to $100,000 daily, $1,000,000 monthly and $10,000,000 annually; account controls may be lower
Restrictions
Send only native USDC on Polygon. Unsupported tokens or networks can cause permanent loss; POL is not required for card purchases.
Balance & conversionHybrid settlement
Funding and settlement cross wallet and provider-controlled account boundaries.
What happens on receipt
How a received asset reaches the spendable balance depends on the supported asset and account setup.
Money outWays to send, withdraw or settle1 route
External crypto sends
1 route
USDC withdrawal to Tangem WalletInternational terms mention three business days' notice, but the current effective timing is not established.USDCPolygonFeeNot confirmedSpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Access path
Direct card balance
Asset / network map
USDC: Polygon
Availability
Native USDC on Polygon to the linked Tangem wallet
Limit scope
Not publicly confirmed
Restrictions
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.
06 · Trust and eligibility
Where Tangem is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
- Verification provider
- Sumsub
Availability
Residence in one of the listed countries is required but does not guarantee card access. Bleap may still show Coming soon for an eligible account, and the separate passport restriction applies regardless of residence.
- Residence perimeter
- 41 countries30 EEA countries plus Switzerland
- Hard restrictions
- 18 passport origins / territoriesApplies even when the applicant resides in the EEA or Switzerland
- Final access check
- Get Card in the Bleap appComing soon means the card is not yet enabled for that account
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
Countries listed as regional guidance41 countries
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
Hard restriction list18 passport origins / territories
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 custodyCard processingPaera LLC
Supports card processing for the applicable programme.
Jurisdiction: Delaware, United StatesCard 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 60
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
60/100
ModerateHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift85
Custody & control
Hybrid custody; funds remain user-controlled before payment.
Additional support78
Everyday usability
Visa spending includes virtual card, Apple Pay and Google Pay.
Main constraint0
Rewards value
No purchase cashback is included in the confirmed product terms.
08 · Evidence
Sources
20 sources18 officialChecked Jul 31, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Tangem Pay — Spend Crypto with a Bank CardOfficial source ↗Help center | What is Tangem PayOfficial source ↗Help center | Getting Started & KYCOfficial source ↗Help center | Card Setup & LimitsOfficial source ↗Help center | Spending & TransactionsOfficial source ↗Help center | Funding, Withdrawals & FeesOfficial source ↗
09 · Card comparison
How Tangem Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday Visa access and money movement.
1 / 3
Current card
Tangem Card
Fund from a Tangem wallet, external wallet or exchange using native USDC.
- Card
- Wallet-linked Visa, Virtual only
- Funds control
- Hybrid custody
- Cashback
- %
- FX fee
- Not confirmed
- Apps
- iOS, Android
- Stablecoin set
- USDC
- Transfers & payouts
- Crypto transfers
Similar match
Users keep control of wallet funds while card settlement runs through partners.
- Card
- Wallet-linked Visa + Other network, Virtual only
- Funds control
- Self-controlled wallet
- Cashback
- Not confirmed
- FX fee
- 1–3%
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDC
- Transfers & payouts
- Crypto + Internal transfers
Similar match
Users keep private keys; card charges follow a separate regional account model.
- Card
- Credit line Visa, Virtual only
- Funds control
- Self-controlled wallet
- Cashback
- %–10%
- FX fee
- 1–3%
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDC
- Transfers & payouts
- Crypto transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
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