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Your comparison2 of 4 cards selected
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Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
Tangem Visa Platinum card front
79Overall

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.

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.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
MPChat Card: 52
Tangem Card: 79
Cashback score
MPChat Card: 18
Tangem Card: 74
Travel score
MPChat Card: 72
Tangem Card: 64
Funds control score
MPChat Card: 41
Tangem Card: 90
Lowest fees score
MPChat Card: 60
Tangem Card: 54
Transfers score
MPChat Card: 58
Tangem Card: 91
02

Costs

Plan cost
MPChat Card: $0
Tangem Card: $0
FX fee
MPChat Card: 0%
Tangem Card: Not disclosed
Top-up fee
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Tangem Card: Crypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separate
Card spending fee
MPChat Card: 0.8%
Tangem Card: 0%
ATM fee
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
Tangem Card: Basic 4%; Plus 2%; operator surcharges separate
Virtual card
MPChat Card: Cloud: 10 USDT one time
Tangem Card: $0 for the first virtual card
Physical card
MPChat Card: $100
Tangem Card: $15.63-$63.45 or free
03

Plans & rewards

Entry plan
MPChat Card: Cloud Card
Tangem Card: Basic
Base cashback
MPChat Card: Not disclosed
Tangem Card: 1%
Max cashback
MPChat Card: Not disclosed
Tangem Card: 2%
Reward currency
MPChat Card: Not disclosed
Tangem Card: USDC
Cashback cap · entry plan
MPChat Card: Not disclosed
Tangem Card: $100 / month
Top cashback plan
MPChat Card: Not disclosed
Tangem Card: Plus
Cashback on top plan
MPChat Card: Not disclosed
Tangem Card: 2% in USDC
Cashback cap · top plan
MPChat Card: Not disclosed
Tangem Card: $300 / month
Top plan price / access
MPChat Card: Not disclosed
Tangem Card: $360/yr
Top plan qualification
MPChat Card: Not disclosed
Tangem Card: Subscribe to Tangem Pay Plus
04

Everyday use

Network
MPChat Card: Visa
Tangem Card: Visa
Card formats
MPChat Card: Virtual, Physical
Tangem Card: Virtual, Physical
ATM withdrawals
MPChat Card: Available
Tangem Card: Available
Mobile wallets
MPChat Card: Google Pay
Tangem Card: Apple Pay, Google Pay
Apps
MPChat Card: Not disclosed
Tangem Card: iOS, Android
Daily spending limit
MPChat Card: $250,000 / day
Tangem Card: $10,000 / day
Monthly spending limit
MPChat Card: $1,000,000 / month
Tangem Card: No current monthly POS amount is published; up to 1,000 POS transactions per month
ATM limit
MPChat Card: $1,500 / day
Tangem Card: $250 / withdrawal
05

Money in & out

Networks
MPChat Card: Tron (TRC20)
Tangem Card: Polygon, BNB Smart Chain, Base, Arbitrum
Stablecoin deposits
MPChat Card: USDT
Tangem Card: USDC, USDT
Other crypto deposits
MPChat Card: Not disclosed
Tangem Card: Not disclosed
Fiat deposits
MPChat Card: Not disclosed
Tangem Card: USD ACH deposit, USD Fedwire deposit
Crypto transfers
MPChat Card: External USDT withdrawal
Tangem Card: Stablecoin withdrawal to Tangem Wallet
Internal transfers
MPChat Card: Not disclosed
Tangem Card: Not disclosed
Bank transfers
MPChat Card: Not disclosed
Tangem Card: USD ACH withdrawal, USD Fedwire withdrawal
Payout currencies
MPChat Card: Not disclosed
Tangem Card: USD, USDC
06

Earn

Advertised APY
MPChat Card: Not offered
Tangem Card: Not offered
How it works
MPChat Card: Not offered
Tangem Card: Not offered
Separate deposit
MPChat Card: Not offered
Tangem Card: Not offered
Use balance for spending
MPChat Card: Not offered
Tangem Card: Not offered
Lock-up
MPChat Card: Not offered
Tangem Card: Not offered
07

Trust & sources

Custody
MPChat Card: Custodial
Tangem Card: Hybrid custody
Control until payment
MPChat Card: Provider controls funds
Tangem Card: You keep control
Card issuer
MPChat Card: Not disclosed
Tangem Card: Third National
Card processing
MPChat Card: Not disclosed
Tangem Card: Paera LLC
Identity verification
MPChat Card: Not disclosed
Tangem Card: Sumsub
Official sources
MPChat Card: 30
Tangem Card: 20
Last reviewed
MPChat Card: Nov 12, 2026
Tangem Card: Nov 12, 2026

Using the comparison

Compare cards FAQ

Can I compare more than two cards on my phone?

Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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