MPChatMPChat
52
Side-by-side card comparison
MPChat vs Tangem
Tangem Card has the higher Overall Score by 27 points (79 vs 52). MPChat Card looks stronger for Travel and Lowest fees, while Tangem Card comes out ahead for Cashback, Funds control, and Transfers.
Latest check Nov 12, 202650 official sources reviewed
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
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.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
Tangem 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- Refund balances can be spent by card but cannot be withdrawn on-chain.
Fees & features
Compare the details
CardsMPChat CardOverall52Tangem CardOverall79
MPChat CardOverall52Tangem CardOverall79Scores
- Overall Score
- MPChat Card52Tangem Card79
- Cashback score
- MPChat Card18Tangem Card74
- Travel score
- MPChat Card72Tangem Card64
- Funds control score
- MPChat Card41Tangem Card90
- Lowest fees score
- MPChat Card60Tangem Card54
- Transfers score
- MPChat Card58Tangem Card91
Costs
- Plan cost
- MPChat Card$0Tangem Card$0
- FX fee
- MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separateTangem CardUp to 3% legal cap; current fee unknown
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardTangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separate
- Card spending fee
- MPChat Card$0.10 + 0.8%Tangem Card0%
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessTangem Card2–4%
- Virtual card
- MPChat CardCloud: 10 USDT one timeTangem Card$0 for the first virtual card
- Physical card
- MPChat CardBoundless: 100 USDT one timeTangem CardBasic delivery: $15.63–$63.45 depending on country; Plus first delivery free, later orders and replacements pay delivery
Plans & rewards
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardTangem Card2 plans: Basic, Plus
- Top cashback plan
- MPChat CardNot disclosedTangem CardPlus: 2%
- Base cashback
- MPChat CardNot disclosedTangem Card1%
- Max cashback
- MPChat CardNot disclosedTangem Card2%
- Reward currency
- MPChat CardNot disclosedTangem CardUSDC
Everyday use
- Network
- MPChat CardVisaTangem CardVisa
- Card formats
- MPChat CardVirtual, PhysicalTangem CardVirtual, Physical
- ATM withdrawals
- MPChat CardAvailableTangem CardAvailable
- Mobile wallets
- MPChat CardGoogle PayTangem CardApple Pay, Google Pay
- Apps
- MPChat CardNot disclosedTangem CardiOS, Android
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerTangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controls
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerTangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per month
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlyTangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM required
Funding & transfers
- Networks
- MPChat CardTron (TRC20)Tangem CardPolygon, BNB Smart Chain, Base, Arbitrum
- Crypto deposits
- MPChat CardStablecoins: USDTTangem CardStablecoins: USDC, USDT
- Fiat deposits
- MPChat CardNot disclosedTangem CardUSD ACH deposit, USD Fedwire deposit
- Transfers
- MPChat CardStablecoin transfersTangem CardStablecoin transfers; USD ACH withdrawal, USD Fedwire withdrawal
- Payout currencies
- MPChat CardNot disclosedTangem CardUSD, USDC
Earn
- Advertised APY
- MPChat CardNot offeredTangem CardNot offered
- How it works
- MPChat CardNot offeredTangem CardNot offered
- Separate deposit
- MPChat CardNot offeredTangem CardNot offered
- Use balance for spending
- MPChat CardNot offeredTangem CardNot offered
- Lock-up
- MPChat CardNot offeredTangem CardNot offered
Trust & availability
- Custody
- MPChat CardCustodialTangem CardHybrid custody
- Control until payment
- MPChat CardProvider controls fundsTangem CardYou keep control
- Card issuer
- MPChat CardNot disclosedTangem CardThird National
- Card processing
- MPChat CardNot disclosedTangem CardPaera LLC
- Identity verification
- MPChat CardNot disclosedTangem CardSumsub
Sign-up Offers
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
Tangem Card
No active signup offer listed.
Choosing between these cards
When to choose MPChat or Tangem
Keeping control of your funds
Tangem suits spending while retaining control of your funds until payment. With MPChat, control passes to the provider before the purchase.
Using an exchange account
Tangem does not require a centralised-exchange account; MPChat does. Consider MPChat if you already want to use that exchange, or Tangem if you want to avoid that account requirement.
Using the crypto you already hold
MPChat's reviewed deposit assets include USDT; Tangem's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
MPChat vs Tangem FAQ
Is MPChat or Tangem better overall?
Tangem Card has the higher Overall Score (79 vs 52). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, MPChat or Tangem?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, MPChat or Tangem?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MPChat and Tangem differ on custody?
MPChat Card uses a custodial balance setup, while Tangem Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this MPChat vs Tangem comparison?
The latest information check for these two cards was November 12, 2026, using 50 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.