TangemTangem
60
Side-by-side card comparison
Tangem vs Ethena Pay: fees, rewards and account setup
Ethena Pay Card has the higher Overall Score by 26 points (86 vs 60). Ethena Pay Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Tangem Card may still be the better personal fit.
Information checked Sep 1, 202630 official sources reviewed
01 · Make the first cut
Ethena Pay Card is the better all-round starting point
Ethena Pay Card has the higher Overall Score in this comparison. Tangem Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallTangem60Ethena Pay86Higher score
CashbackTangem15Ethena Pay89Higher score
TravelTangem27Ethena Pay64Higher score
Funds controlTangem83Ethena Pay86Higher score
Lowest feesTangem53Ethena Pay87Higher score
TransfersTangem58Ethena Pay82Higher score
Choose Tangem Card if its day-to-day setup suits you
Tangem Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
Choose Ethena Pay Card if cashback and travel matter most
Ethena Pay Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Strong Standard cashback bands
- No Standard monthly fee or FX markup
- Collateral stays in linked wallets
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Tangem60Ethena Pay86
Ethena Pay Card has the higher Overall Score by 26 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown FXEthena Pay$0 plan · 0% Ethena Pay markup; Visa rate applies FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Tangem0% cashbackEthena Pay4% base · up to 5%
Ethena Pay Card has the higher published base cashback rate (4% vs 0%).
- Funds control
- TangemHybrid custodyEthena PayHybrid custody
Tangem Card and Ethena Pay Card use the same hybrid custody setup.
- Everyday access
- TangemVirtual · Apple Pay, Google PayEthena PayVirtual · Apple Pay
Tangem Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Tangem1 stablecoin · Stablecoin transfersEthena Pay1 stablecoin · Stablecoin transfers; Ethena Pay user transfer; Bank withdrawal
Ethena Pay Card lists more stablecoins and ways to send money out (4 vs 2).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 4%-5%
- Plan cost
- $0
- FX fee
- 0% Ethena Pay markup; Visa rate applies
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsTangem CardOverall60Ethena Pay CardOverall86
Tangem CardOverall60Ethena Pay CardOverall86Scores
6 fields- Overall Score
- Tangem Card60Ethena Pay Card86
- Cashback score
- Tangem Card15Ethena Pay Card89
- Travel score
- Tangem Card27Ethena Pay Card64
- Funds control score
- Tangem Card83Ethena Pay Card86
- Lowest fees score
- Tangem Card53Ethena Pay Card87
- Transfers score
- Tangem Card58Ethena Pay Card82
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonEthena Pay CardStrong Standard cashback bands, No Standard monthly fee or FX markup
- Trade-offs
- Tangem CardNo current cashback, Virtual-only with no ATM accessEthena Pay CardCard access is still application-gated, One-day payment grace adds liquidation risk
Costs
7 fields- Plan cost
- Tangem Card$0Ethena Pay Card$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownEthena Pay Card0% Ethena Pay markup; Visa rate applies
- Top-up fee
- Tangem Card0%Ethena Pay CardProvider collateral-funding fee unknown; external network gas is separate
- Card spending fee
- Tangem Card0%Ethena Pay Card0%
- ATM fee
- Tangem CardNot availableEthena Pay CardNot available
- Virtual card
- Tangem Card$0 for the first virtual cardEthena Pay CardUSD 0
- Physical card
- Tangem CardNot disclosedEthena Pay CardNot disclosed
Plans
2 fields- Available plans
- Tangem CardNot disclosedEthena Pay Card3 plans: Standard, Pro, VIP
- Top cashback plan
- Tangem CardNot disclosedEthena Pay CardVIP: 5%
Everyday use
8 fields- Network
- Tangem CardVisaEthena Pay CardVisa
- Card formats
- Tangem CardVirtualEthena Pay CardVirtual
- ATM withdrawals
- Tangem CardNot availableEthena Pay CardNot available
- Mobile wallets
- Tangem CardApple Pay, Google PayEthena Pay CardApple Pay
- Apps
- Tangem CardiOS, AndroidEthena Pay CardiOS, Web
- Daily spending limit
- Tangem CardBasic advertises $10,000 daily; the account system/default shows up to $50,000, so the effective Basic limit is unclearEthena Pay CardDynamic, based on collateral market value
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthEthena Pay CardDynamic, based on collateral market value
- ATM limit
- Tangem CardATM withdrawals are not currently availableEthena Pay CardNot available
Funding & transfers
5 fields- Networks
- Tangem CardPolygonEthena Pay CardEthereum, Polygon, Optimism, Arbitrum
- Crypto deposits
- Tangem CardStablecoins: USDCEthena Pay CardNot disclosed
- Fiat deposits
- Tangem CardNot disclosedEthena Pay CardNot disclosed
- Transfers
- Tangem CardStablecoin transfersEthena Pay CardStablecoin transfers; Ethena Pay user transfer; Bank withdrawal
- Payout currencies
- Tangem CardNot disclosedEthena Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Tangem Card0%Ethena Pay Card4%
- Max cashback
- Tangem Card0%Ethena Pay Card5%
- Reward currency
- Tangem CardNo current purchase rewardsEthena Pay CardAVAX
Earn
5 fields- Advertised APY
- Tangem CardNot offeredEthena Pay CardUp to 6% APY
- How it works
- Tangem CardNot offeredEthena Pay CardEarn on spending balance
- Separate deposit
- Tangem CardNot offeredEthena Pay CardNo
- Use balance for spending
- Tangem CardNot offeredEthena Pay CardYes
- Lock-up
- Tangem CardNot offeredEthena Pay CardNo
Trust & availability
5 fields- Custody
- Tangem CardHybrid custodyEthena Pay CardHybrid custody
- Control until payment
- Tangem CardYou keep controlEthena Pay CardYou keep control
- Card issuer
- Tangem CardThird NationalEthena Pay CardThird National
- Card processing
- Tangem CardPaera LLCEthena Pay CardSignify Holdings, Inc. d/b/a Rain
- Identity verification
- Tangem CardSumsubEthena Pay CardSumsub
Sources
2 fields- Official sources
- Tangem Card18Ethena Pay Card12
- Last reviewed
- Tangem CardAug 28, 2026Ethena Pay CardSep 1, 2026
04 · The takeaway
Ethena Pay Card is the stronger all-round choice
Ethena Pay Card finishes ahead with an Overall Score of 86 versus 60 for Tangem Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Ethena Pay Card has the higher published base cashback rate (4% vs 0%).
Tangem Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Tangem Card and Ethena Pay Card use the same hybrid custody setup.
Ethena Pay Card lists more stablecoins and ways to send money out (4 vs 2). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Tangem Card and Ethena Pay Card reviews first.
Continue with
Tangem Card
Continue with
Ethena Pay Card
05 · Common questions
Tangem vs Ethena Pay FAQ
Is Tangem or Ethena Pay better overall?
Ethena Pay Card has the higher Overall Score (86 vs 60). 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 Ethena Pay?
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 Ethena Pay?
Ethena Pay Card has the higher published base cashback rate (4% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tangem and Ethena Pay differ on custody?
Tangem Card and Ethena Pay Card use the same hybrid custody setup.
How current is this Tangem vs Ethena Pay comparison?
The latest information check for these two cards was September 1, 2026, using 30 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.