TangemTangem
60
Side-by-side card comparison
Tangem vs Fuse: fees, rewards and account setup
Fuse Card has the higher Overall Score by 14 points (74 vs 60). Fuse 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 Aug 28, 202633 official sources reviewed
01 · Make the first cut
Fuse Card is the better all-round starting point
Fuse 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.
OverallTangem60Fuse74Higher score
CashbackTangem15Fuse25Higher score
TravelTangem27Fuse65Higher score
Funds controlTangem83Fuse91Higher score
Lowest feesTangem53Fuse93Higher score
TransfersTangem58Fuse97Higher 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 Fuse Card if cashback and travel matter most
Fuse 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.
- Separate USDC Card Account
- Apple Pay for in-person spend
- USD and EUR receive rails
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
- Tangem60Fuse74
Fuse Card has the higher Overall Score by 14 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
- Tangem0% cashbackFuse0% cashback
Both cards show the same base cashback rate of 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 · Apple Pay, Google PayFuseVirtual · Apple Pay
Tangem Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Tangem1 stablecoin · Stablecoin transfersFuse1 stablecoin · Stablecoin transfers; ACH / SEPA bank transfers
Fuse Card lists more stablecoins and ways to send money out (3 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
- 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
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 CardOverall60Fuse CardOverall74
Tangem CardOverall60Fuse CardOverall74Scores
6 fields- Overall Score
- Tangem Card60Fuse Card74
- Cashback score
- Tangem Card15Fuse Card25
- Travel score
- Tangem Card27Fuse Card65
- Funds control score
- Tangem Card83Fuse Card91
- Lowest fees score
- Tangem Card53Fuse Card93
- Transfers score
- Tangem Card58Fuse 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 CardNo current cashback, Virtual-only with no ATM accessFuse 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 Card0%Fuse Card0%
- Card spending fee
- Tangem Card0%Fuse Card0%
- ATM fee
- Tangem CardNot availableFuse CardNot available
- Virtual card
- Tangem Card$0 for the first virtual cardFuse CardVirtual card purchase $0 after Bridge KYC
- Physical card
- Tangem CardNot disclosedFuse CardNot available in captured Fuse support page
Plans
2 fields- Available plans
- Tangem CardNot disclosedFuse Card1 plans: Fuse Plus
- Top cashback plan
- Tangem CardNot disclosedFuse CardNot disclosed
Everyday use
8 fields- Network
- Tangem CardVisaFuse CardVisa
- Card formats
- Tangem CardVirtualFuse CardVirtual
- ATM withdrawals
- Tangem CardNot availableFuse CardNot available
- Mobile wallets
- Tangem CardApple Pay, Google PayFuse CardApple Pay
- Apps
- Tangem CardiOS, AndroidFuse CardiOS
- Daily spending limit
- Tangem CardBasic advertises $10,000 daily; the account system/default shows up to $50,000, so the effective Basic limit is unclearFuse 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 CardATM withdrawals are not currently availableFuse CardNot available
Funding & transfers
5 fields- Networks
- Tangem CardPolygonFuse CardSolana
- Crypto deposits
- Tangem CardStablecoins: USDCFuse CardStablecoins: USDC; Other crypto: SOL, SPL tokens
- Fiat deposits
- Tangem CardNot disclosedFuse 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 Card0%Fuse Card0%
- Max cashback
- Tangem Card0%Fuse Card0%
- Reward currency
- Tangem CardNo current purchase rewardsFuse 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 Card18Fuse Card15
- Last reviewed
- Tangem CardAug 28, 2026Fuse CardAug 12, 2026
04 · The takeaway
Fuse Card is the stronger all-round choice
Fuse Card finishes ahead with an Overall Score of 74 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. Both cards show the same base cashback rate of 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 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.
Fuse Card lists more stablecoins and ways to send money out (3 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 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?
Fuse Card has the higher Overall Score (74 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 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?
Both cards show the same base cashback rate of 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 August 28, 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.