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Compare fees, rewards and how each card works. Add or replace cards anytime.

Your comparison2 of 4 cards selected
Compare two cards at a time. Add up to four with Change cards, then use the card menus to switch the pair.
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
XPlace Cash Mode virtual Visa card face
68Overall

Best fit

  • Choosing between prefunded USDC spending and crypto-backed Credit Mode.
  • Existing Kamino users who want a card linked to eligible collateral.

Before you choose

  • Cash Mode earns no cashback; rewards require collateral-backed borrowing.
  • Borrowing APR is shown in-app; falling collateral can trigger liquidation.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
MPChat Card: 52
XPlace Card: 68
Cashback score
MPChat Card: 18
XPlace Card: 49
Travel score
MPChat Card: 72
XPlace Card: 65
Funds control score
MPChat Card: 41
XPlace Card: 67
Lowest fees score
MPChat Card: 60
XPlace Card: 65
Transfers score
MPChat Card: 58
XPlace Card: 62
02

Costs

Plan cost
MPChat Card: $0
XPlace Card: $0
FX fee
MPChat Card: 0%
XPlace Card: 0–1%
Top-up fee
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
XPlace Card: Provider fee not published; external network or bridge costs may apply and are not card fees
Card spending fee
MPChat Card: 0.8%
XPlace Card: 0%
ATM fee
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
XPlace Card: Not available
Virtual card
MPChat Card: Cloud: 10 USDT one time
XPlace Card: Not disclosed
Physical card
MPChat Card: $100
XPlace Card: Not confirmed
Network conversion surcharge
MPChat Card: Not disclosed
XPlace Card: 1%
03

Plans & rewards

Entry plan
MPChat Card: Cloud Card
XPlace Card: Basic
Base cashback
MPChat Card: Not disclosed
XPlace Card: 0.5%
Max cashback
MPChat Card: Not disclosed
XPlace Card: 2%
Reward currency
MPChat Card: Not disclosed
XPlace Card: USDC
Cashback cap · entry plan
MPChat Card: Not disclosed
XPlace Card: $10 / month
Top cashback plan
MPChat Card: Not disclosed
XPlace Card: Platinum
Cashback on top plan
MPChat Card: Not disclosed
XPlace Card: 2% in USDC
Cashback cap · top plan
MPChat Card: Not disclosed
XPlace Card: $250 / month
Top plan price / access
MPChat Card: Not disclosed
XPlace Card: $999/yr
Top plan qualification
MPChat Card: Not disclosed
XPlace Card: Active Platinum annual membership
04

Everyday use

Network
MPChat Card: Visa
XPlace Card: Visa
Card formats
MPChat Card: Virtual, Physical
XPlace Card: Virtual, Physical
ATM withdrawals
MPChat Card: Available
XPlace Card: Not disclosed
Mobile wallets
MPChat Card: Google Pay
XPlace Card: Apple Pay, Google Pay
Apps
MPChat Card: Not disclosed
XPlace Card: iOS, Android
Daily spending limit
MPChat Card: $250,000 / day
XPlace Card: See regional limits
Monthly spending limit
MPChat Card: $1,000,000 / month
XPlace Card: $2,000 / month
ATM limit
MPChat Card: $1,500 / day
XPlace Card: Not available while only the virtual card is live
05

Money in & out

Networks
MPChat Card: Tron (TRC20)
XPlace Card: Solana
Stablecoin deposits
MPChat Card: USDT
XPlace Card: USDC
Other crypto deposits
MPChat Card: Not disclosed
XPlace Card: Not disclosed
Fiat deposits
MPChat Card: Not disclosed
XPlace Card: Not disclosed
Crypto transfers
MPChat Card: External USDT withdrawal
XPlace Card: USDC Cash Mode top-up, XPlace account crypto send
Internal transfers
MPChat Card: Not disclosed
XPlace Card: Not disclosed
Bank transfers
MPChat Card: Not disclosed
XPlace Card: Not disclosed
Payout currencies
MPChat Card: Not disclosed
XPlace Card: Not disclosed
06

Earn

Advertised APY
MPChat Card: Not offered
XPlace Card: Up to 6.15% APY
How it works
MPChat Card: Not offered
XPlace Card: Borrow against collateral, Optional earn vault
Separate deposit
MPChat Card: Not offered
XPlace Card: Yes
Use balance for spending
MPChat Card: Not offered
XPlace Card: No
Lock-up
MPChat Card: Not offered
XPlace Card: No
07

Trust & sources

Custody
MPChat Card: Custodial
XPlace Card: Hybrid custody
Control until payment
MPChat Card: Provider controls funds
XPlace Card: Provider controls funds
Card issuer
MPChat Card: Not disclosed
XPlace Card: Third National
Card processing
MPChat Card: Not disclosed
XPlace Card: Signify Holdings, Inc. (Rain)
Identity verification
MPChat Card: Not disclosed
XPlace Card: Sumsub
Official sources
MPChat Card: 30
XPlace Card: 28
Last reviewed
MPChat Card: Nov 12, 2026
XPlace 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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