TangemTangem
79
Side-by-side card comparison
Tangem vs Ethena Pay: overall score versus use-case fit
Ethena Pay Card has the higher Overall Score by 8 points (87 vs 79). Tangem Card looks stronger for Funds control and Transfers, while Ethena Pay Card comes out ahead for Cashback, Travel, and Lowest fees.
Information checked Oct 16, 202633 official sources reviewed
01 · Overall score versus use-case fit
Ethena Pay Card is the better all-round starting point
Ethena Pay Card has the higher Overall Score in this comparison. Tangem Card may be the better fit for Funds control and Transfers. 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.
OverallTangem79Ethena Pay87Higher score
CashbackTangem74Ethena Pay89Higher score
TravelTangem64Ethena Pay68Higher score
Funds controlTangem90Ethena Pay86Higher score
Lowest feesTangem54Ethena Pay87Higher score
TransfersTangem91Ethena Pay82Higher score
Choose Tangem Card if funds control and transfers matter most
Tangem Card comes out ahead for Funds control and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- 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, and Lowest fees 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
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Tangem79Ethena Pay87
Ethena Pay Card has the higher Overall Score by 8 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown FXEthena Pay$0 plan · 0–1% 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
- Tangem1% base · up to 2%Ethena Pay4% base · up to 5%
Ethena Pay Card has the higher published base cashback rate (4% vs 1%).
- Funds control
- TangemHybrid custodyEthena PayHybrid custody
Tangem Card and Ethena Pay Card use the same hybrid custody setup.
- Everyday access
- TangemVirtual + Physical · Apple Pay, Google PayEthena PayVirtual · Apple Pay
Tangem Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Tangem2 stablecoins · Stablecoin transfers; USD ACH withdrawal, USD Fedwire withdrawalEthena Pay1 stablecoin · Stablecoin transfers; Ethena Pay user transfer; Bank withdrawal
Tangem Card lists more stablecoins and ways to send money out (5 vs 4).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 fiat
- Cashback
- 4%-5%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- $1 + 0.65% where ATM access is available; separate operator surcharge may apply
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsTangem CardOverall79Ethena Pay CardOverall87
Tangem CardOverall79Ethena Pay CardOverall87Scores
6 fields- Overall Score
- Tangem Card79Ethena Pay Card87
- Cashback score
- Tangem Card74Ethena Pay Card89
- Travel score
- Tangem Card64Ethena Pay Card68
- Funds control score
- Tangem Card90Ethena Pay Card86
- Lowest fees score
- Tangem Card54Ethena Pay Card87
- Transfers score
- Tangem Card91Ethena 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 CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%Ethena 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 Card0–1%
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateEthena Pay CardProvider collateral-funding fee unknown; external network gas is separate
- Card spending fee
- Tangem Card0%Ethena Pay Card0%
- ATM fee
- Tangem Card2–4%Ethena Pay Card$1 + 0.65% where ATM access is available; separate operator surcharge may apply
- Virtual card
- Tangem Card$0 for the first virtual cardEthena Pay CardUSD 0
- Physical card
- Tangem CardBasic: destination-dependent delivery shown before order; Plus: first physical delivery freeEthena Pay CardNot disclosed
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusEthena Pay Card3 plans: Standard, Pro, VIP
- Top cashback plan
- Tangem CardPlus: 2%Ethena Pay CardVIP: 5%
Everyday use
8 fields- Network
- Tangem CardVisaEthena Pay CardVisa
- Card formats
- Tangem CardVirtual, PhysicalEthena Pay CardVirtual
- ATM withdrawals
- Tangem CardAvailableEthena Pay CardNot disclosed
- Mobile wallets
- Tangem CardApple Pay, Google PayEthena Pay CardApple Pay
- Apps
- Tangem CardiOS, AndroidEthena Pay CardiOS, Web
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsEthena 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 Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredEthena Pay CardNot available
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumEthena Pay CardEthereum, Polygon, Optimism, Arbitrum
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTEthena Pay CardNot disclosed
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositEthena Pay CardNot disclosed
- Transfers
- Tangem CardStablecoin transfers; USD ACH withdrawal, USD Fedwire withdrawalEthena Pay CardStablecoin transfers; Ethena Pay user transfer; Bank withdrawal
- Payout currencies
- Tangem CardUSD, USDCEthena Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Tangem Card1%Ethena Pay Card4%
- Max cashback
- Tangem Card2%Ethena Pay Card5%
- Reward currency
- Tangem CardUSDCEthena 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 Card20Ethena Pay Card13
- Last reviewed
- Tangem CardOct 16, 2026Ethena Pay CardOct 6, 2026
04 · The trade-off
Ethena Pay Card is the stronger all-round choice
Ethena Pay Card finishes ahead with an Overall Score of 87 versus 79 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 1%).
Tangem Card still comes out ahead for Funds control and Transfers, which may matter more than the overall result if that is how you plan to use the card. Tangem Card and Ethena Pay Card use the same hybrid custody setup.
Tangem Card lists more stablecoins and ways to send money out (5 vs 4). 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 (87 vs 79). 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 1%). 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 October 16, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.