TangemTangem
77
Side-by-side card comparison
Tangem vs Oobit: 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, Travel, and Funds control, while Oobit Card comes out ahead for Lowest fees.
Information checked Oct 11, 202636 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. Oobit Card may be the better fit for Lowest fees. 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.
OverallTangem77Oobit74Higher score
CashbackTangem73Oobit70Higher score
TravelTangem63Oobit55Higher score
Funds controlTangem87Oobit78Higher score
Lowest feesTangem52Oobit59Higher score
TransfersTangem65Oobit65Same score
Choose Tangem Card if cashback and travel matter most
Tangem Card comes out ahead for Cashback, Travel, and Funds control 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 Oobit Card if lowest fees matters most
Oobit Card comes out ahead for Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
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
- Tangem77Oobit74
Tangem Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown FXOobit$0 plan · Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice 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%Oobit5% base · up to 10%
Oobit Card has the higher published base cashback rate (5% vs 1%).
- Funds control
- TangemHybrid custodyOobitHybrid custody
Tangem Card and Oobit Card use the same hybrid custody setup.
- Everyday access
- TangemVirtual + Physical · Apple Pay, Google PayOobitVirtual · Apple Pay, Google Pay
Tangem Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tangem2 stablecoins · Stablecoin transfersOobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payout
Oobit Card lists more stablecoins and ways to send money out (6 vs 3).
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
- 5%-10%
- Plan cost
- $0
- FX fee
- Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 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 CardOverall77Oobit CardOverall74
Tangem CardOverall77Oobit CardOverall74Scores
6 fields- Overall Score
- Tangem Card77Oobit Card74
- Cashback score
- Tangem Card73Oobit Card70
- Travel score
- Tangem Card63Oobit Card55
- Funds control score
- Tangem Card87Oobit Card78
- Lowest fees score
- Tangem Card52Oobit Card59
- Transfers score
- Tangem Card65Oobit Card65
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonOobit CardConnected-wallet spending, Phone wallets and contactless ATM
- Trade-offs
- Tangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%Oobit CardEvery payment carries a provider fee, Physical card is unclear
Costs
7 fields- Plan cost
- Tangem Card$0Oobit Card$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownOobit CardUp to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateOobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by route
- Card spending fee
- Tangem Card0%Oobit Card$0.25 + 1%
- ATM fee
- Tangem Card2–4%Oobit Card2.5% Oobit fee plus any contactless ATM operator surcharge
- Virtual card
- Tangem Card$0 for the first virtual cardOobit CardFree
- Physical card
- Tangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery freeOobit CardNot disclosed
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusOobit CardNot disclosed
- Top cashback plan
- Tangem CardPlus: 2%Oobit CardNot disclosed
Everyday use
8 fields- Network
- Tangem CardVisaOobit CardVisa
- Card formats
- Tangem CardVirtual, PhysicalOobit CardVirtual
- ATM withdrawals
- Tangem CardAvailableOobit CardAvailable
- Mobile wallets
- Tangem CardApple Pay, Google PayOobit CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidOobit CardiOS, Android
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsOobit Card$10,000 daily card-spend limit; account-specific controls may be lower
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthOobit CardNo universal monthly card-spend limit published
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredOobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hours
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumOobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, Arbitrum
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTOobit CardNot disclosed
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositOobit CardNot disclosed
- Transfers
- Tangem CardStablecoin transfersOobit CardOobit Pay Friends; Crypto-to-bank payout
- Payout currencies
- Tangem CardNot disclosedOobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4
Rewards
3 fields- Base cashback
- Tangem Card1%Oobit Card5%
- Max cashback
- Tangem Card2%Oobit Card10%
- Reward currency
- Tangem CardUSDCOobit CardStablecoin rewards or OOB token
Earn
5 fields- Advertised APY
- Tangem CardNot offeredOobit CardNot offered
- How it works
- Tangem CardNot offeredOobit CardNot offered
- Separate deposit
- Tangem CardNot offeredOobit CardNot offered
- Use balance for spending
- Tangem CardNot offeredOobit CardNot offered
- Lock-up
- Tangem CardNot offeredOobit CardNot offered
Trust & availability
5 fields- Custody
- Tangem CardHybrid custodyOobit CardHybrid custody
- Control until payment
- Tangem CardYou keep controlOobit CardYou keep control
- Card issuer
- Tangem CardThird NationalOobit CardThirdNational
- Card processing
- Tangem CardPaera LLCOobit CardNot disclosed
- Identity verification
- Tangem CardSumsubOobit CardNot disclosed
Sources
2 fields- Official sources
- Tangem Card20Oobit Card16
- Last reviewed
- Tangem CardOct 11, 2026Oobit CardOct 6, 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 Oobit Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Oobit Card has the higher published base cashback rate (5% vs 1%).
Oobit Card still comes out ahead for Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Tangem Card and Oobit Card use the same hybrid custody setup.
Oobit Card lists more stablecoins and ways to send money out (6 vs 3). 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 Oobit Card reviews first.
Continue with
Tangem Card
Continue with
Oobit Card
05 · Common questions
Tangem vs Oobit FAQ
Is Tangem or Oobit 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 Oobit?
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 Oobit?
Oobit Card has the higher published base cashback rate (5% 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 Oobit differ on custody?
Tangem Card and Oobit Card use the same hybrid custody setup.
How current is this Tangem vs Oobit comparison?
The latest information check for these two cards was October 11, 2026, using 36 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.