TangemTangem
79
Side-by-side card comparison
Tangem vs Decaf
Tangem Card has the higher Overall Score by 15 points (79 vs 64). Tangem Card looks stronger for Cashback, Travel, Funds control, and Transfers, while Decaf Card comes out ahead for Lowest fees.
Latest check Oct 19, 202641 official sources reviewed
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- Refund balances can be spent by card but cannot be withdrawn on-chain.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsTangem CardOverall79Decaf CardOverall64
Tangem CardOverall79Decaf CardOverall64Scores
- Overall Score
- Tangem Card79Decaf Card64
- Cashback score
- Tangem Card74Decaf Card29
- Travel score
- Tangem Card64Decaf Card60
- Funds control score
- Tangem Card90Decaf Card63
- Lowest fees score
- Tangem Card54Decaf Card57
- Transfers score
- Tangem Card91Decaf Card70
Costs
- Plan cost
- Tangem Card$0Decaf Card$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownDecaf Card1–2%
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Tangem Card0%Decaf CardNot disclosed
- ATM fee
- Tangem Card2–4%Decaf Card0% Decaf markup
- Virtual card
- Tangem Card$0 for the first virtual cardDecaf Card$5
- Physical card
- Tangem CardBasic: destination-dependent delivery shown before order; Plus: first physical delivery freeDecaf Card$90 international / $10 US
Plans
- Available plans
- Tangem Card2 plans: Basic, PlusDecaf CardNot disclosed
- Top cashback plan
- Tangem CardPlus: 2%Decaf CardNot disclosed
Everyday use
- Network
- Tangem CardVisaDecaf CardVisa
- Card formats
- Tangem CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Tangem CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Tangem CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsDecaf CardNot disclosed
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthDecaf CardNot disclosed
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumDecaf CardSolana, Stellar
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTDecaf CardStablecoins: USDC
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Tangem CardStablecoin transfers; USD ACH withdrawal, USD Fedwire withdrawalDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Tangem CardUSD, USDCDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Tangem Card1%Decaf CardNot disclosed
- Max cashback
- Tangem Card2%Decaf CardNot disclosed
- Reward currency
- Tangem CardUSDCDecaf CardNot disclosed
Earn
- Advertised APY
- Tangem CardNot offeredDecaf CardNot disclosed
- How it works
- Tangem CardNot offeredDecaf CardOptional earn vault
- Separate deposit
- Tangem CardNot offeredDecaf CardYes
- Use balance for spending
- Tangem CardNot offeredDecaf CardNot disclosed
- Lock-up
- Tangem CardNot offeredDecaf CardNot disclosed
Trust & availability
- Custody
- Tangem CardHybrid custodyDecaf CardNon-custodial
- Control until payment
- Tangem CardYou keep controlDecaf CardNot disclosed
- Card issuer
- Tangem CardThird NationalDecaf CardThird National, Inc.
- Card processing
- Tangem CardPaera LLCDecaf CardRain
- Deposits & withdrawals
- Tangem CardNot disclosedDecaf CardMoneyGram
- Identity verification
- Tangem CardSumsubDecaf CardNot disclosed
Sources
- Official sources
- Tangem Card20Decaf Card21
- Last reviewed
- Tangem CardOct 17, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Tangem or Decaf
Sending money to a bank
For bank payouts, Tangem has reviewed routes in USD; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Using the crypto you already hold
Tangem's reviewed deposit assets include USDT; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
Tangem vs Decaf FAQ
Is Tangem or Decaf better overall?
Tangem Card has the higher Overall Score (79 vs 64). 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, Tangem or Decaf?
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, Tangem or Decaf?
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 Tangem and Decaf differ on custody?
Tangem Card uses a hybrid custody setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Tangem vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.