TangemTangem
77
Side-by-side card comparison
Tangem vs Fuse: overall score versus use-case fit
Tangem Card has the higher Overall Score by 3 points (77 vs 74). Tangem Card looks stronger for Cashback, while Fuse Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Oct 11, 202635 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem Card has the higher Overall Score in this comparison. Fuse Card may be the better fit for Travel, Funds control, Lowest fees, 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.
OverallTangem77Fuse74Higher score
CashbackTangem73Fuse25Higher score
TravelTangem63Fuse65Higher score
Funds controlTangem87Fuse91Higher score
Lowest feesTangem52Fuse93Higher score
TransfersTangem65Fuse97Higher score
Choose Tangem Card if cashback matters most
Tangem Card comes out ahead for Cashback 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 Fuse Card if travel and funds control matter most
Fuse Card comes out ahead for 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.
- Separate USDC Card Account
- Apple Pay for in-person spend
- USD and EUR receive rails
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
- Tangem77Fuse74
Tangem Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown FXFuse$0 plan · 0% 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%Fuse0% cashback
Tangem Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- TangemHybrid custodyFuseSelf-controlled wallet
Tangem Card uses a hybrid custody setup, while Fuse Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- TangemVirtual + Physical · Apple Pay, Google PayFuseVirtual · Apple Pay
Tangem Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Tangem2 stablecoins · Stablecoin transfersFuse1 stablecoin · Stablecoin transfers; ACH / SEPA bank transfers
Both cards list the same number of stablecoins and ways to send money out.
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 · 0 fiat
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 3 crypto · 2 fiat
- Payout methods
- 1 crypto · 2 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 CardOverall77Fuse CardOverall74
Tangem CardOverall77Fuse CardOverall74Scores
6 fields- Overall Score
- Tangem Card77Fuse Card74
- Cashback score
- Tangem Card73Fuse Card25
- Travel score
- Tangem Card63Fuse Card65
- Funds control score
- Tangem Card87Fuse Card91
- Lowest fees score
- Tangem Card52Fuse Card93
- Transfers score
- Tangem Card65Fuse Card97
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonFuse CardSeparate USDC Card Account, Apple Pay for in-person spend
- Trade-offs
- Tangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%Fuse CardiOS and virtual-only access, Receive rails convert incoming fiat
Costs
7 fields- Plan cost
- Tangem Card$0Fuse Card$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownFuse Card0%
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateFuse Card0%
- Card spending fee
- Tangem Card0%Fuse Card0%
- ATM fee
- Tangem Card2–4%Fuse CardNot available
- Virtual card
- Tangem Card$0 for the first virtual cardFuse CardVirtual card purchase $0 after Bridge KYC
- Physical card
- Tangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery freeFuse CardNot available in captured Fuse support page
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusFuse Card1 plans: Fuse Plus
- Top cashback plan
- Tangem CardPlus: 2%Fuse CardNot disclosed
Everyday use
8 fields- Network
- Tangem CardVisaFuse CardVisa
- Card formats
- Tangem CardVirtual, PhysicalFuse CardVirtual
- ATM withdrawals
- Tangem CardAvailableFuse CardNot available
- Mobile wallets
- Tangem CardApple Pay, Google PayFuse CardApple Pay
- Apps
- Tangem CardiOS, AndroidFuse CardiOS
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsFuse Card$2,000/day; $2,000/transaction
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthFuse CardMonthly cap not disclosed; daily and transaction caps are approved
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredFuse CardNot available
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumFuse CardSolana
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTFuse CardStablecoins: USDC; Other crypto: SOL, SPL tokens
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositFuse CardUSD virtual bank account, EUR virtual bank account
- Transfers
- Tangem CardStablecoin transfersFuse CardStablecoin transfers; ACH / SEPA bank transfers
- Payout currencies
- Tangem CardNot disclosedFuse CardUSD, EUR
Rewards
3 fields- Base cashback
- Tangem Card1%Fuse Card0%
- Max cashback
- Tangem Card2%Fuse Card0%
- Reward currency
- Tangem CardUSDCFuse CardNo cashback
Earn
5 fields- Advertised APY
- Tangem CardNot offeredFuse CardNot disclosed
- How it works
- Tangem CardNot offeredFuse CardOptional earn vault
- Separate deposit
- Tangem CardNot offeredFuse CardYes
- Use balance for spending
- Tangem CardNot offeredFuse CardNo
- Lock-up
- Tangem CardNot offeredFuse CardNot disclosed
Trust & availability
6 fields- Custody
- Tangem CardHybrid custodyFuse CardSelf-custody
- Control until payment
- Tangem CardYou keep controlFuse CardYou keep control
- Card issuer
- Tangem CardThird NationalFuse CardLead Bank
- Card processing
- Tangem CardPaera LLCFuse CardBridge Ventures LLC, Squads Labs
- Identity verification
- Tangem CardSumsubFuse CardNot disclosed
- Programme operator
- Tangem CardNot disclosedFuse CardBridge Ventures LLC
Sources
2 fields- Official sources
- Tangem Card20Fuse Card15
- Last reviewed
- Tangem CardOct 11, 2026Fuse CardAug 29, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 versus 74 for Fuse Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Tangem Card has the higher published base cashback rate (1% vs 0%).
Fuse Card still comes out ahead for Travel, Funds control, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Tangem Card uses a hybrid custody setup, while Fuse Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Fuse Card reviews first.
Continue with
Tangem Card
Continue with
Fuse Card
05 · Common questions
Tangem vs Fuse FAQ
Is Tangem or Fuse better overall?
Tangem Card has the higher Overall Score (77 vs 74). 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 Fuse?
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 Fuse?
Tangem Card has the higher published base cashback rate (1% 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 Fuse differ on custody?
Tangem Card uses a hybrid custody setup, while Fuse Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Tangem vs Fuse comparison?
The latest information check for these two cards was October 11, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.