TangemTangem
60
Side-by-side card comparison
Tangem vs Oobit: overall score versus use-case fit
Oobit Card has the higher Overall Score by 12 points (72 vs 60). Tangem Card looks stronger for Funds control and Lowest fees, while Oobit Card comes out ahead for Cashback, Travel, and Transfers.
Information checked Aug 28, 202634 official sources reviewed
01 · Overall score versus use-case fit
Oobit Card is the better all-round starting point
Oobit Card has the higher Overall Score in this comparison. Tangem Card may be the better fit for Funds control and 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.
OverallTangem60Oobit72Higher score
CashbackTangem15Oobit68Higher score
TravelTangem27Oobit45Higher score
Funds controlTangem83Oobit77Higher score
Lowest feesTangem53Oobit51Higher score
TransfersTangem58Oobit64Higher score
Choose Tangem Card if funds control and lowest fees matter most
Tangem Card comes out ahead for Funds control 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.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
Choose Oobit Card if cashback and travel matter most
Oobit Card comes out ahead for Cashback, Travel, and Transfers 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
- Tangem60Oobit72
Oobit Card has the higher Overall Score by 12 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown FXOobit$0 plan · 3% 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% cashbackOobit5% base · up to 10%
Oobit Card has the higher published base cashback rate (5% vs 0%).
- Funds control
- TangemHybrid custodyOobitHybrid custody
Tangem Card and Oobit Card use the same hybrid custody setup.
- Everyday access
- TangemVirtual · Apple Pay, Google PayOobitVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tangem1 stablecoin · Stablecoin transfersOobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payout
Oobit Card lists more stablecoins and ways to send money out (6 vs 2).
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
- 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
- 5%-10%
- Plan cost
- $0
- FX fee
- 3%
- 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 CardOverall60Oobit CardOverall72
Tangem CardOverall60Oobit CardOverall72Scores
6 fields- Overall Score
- Tangem Card60Oobit Card72
- Cashback score
- Tangem Card15Oobit Card68
- Travel score
- Tangem Card27Oobit Card45
- Funds control score
- Tangem Card83Oobit Card77
- Lowest fees score
- Tangem Card53Oobit Card51
- Transfers score
- Tangem Card58Oobit Card64
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 CardNo current cashback, Virtual-only with no ATM accessOobit 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 Card3%
- Top-up fee
- Tangem Card0%Oobit 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 CardNot availableOobit Card2.5% Oobit fee plus any contactless ATM operator surcharge
- Virtual card
- Tangem Card$0 for the first virtual cardOobit CardFree
- Physical card
- Tangem CardNot disclosedOobit CardNot disclosed
Plans
2 fields- Available plans
- Tangem CardNot disclosedOobit CardNot disclosed
- Top cashback plan
- Tangem CardNot disclosedOobit CardNot disclosed
Everyday use
8 fields- Network
- Tangem CardVisaOobit CardVisa
- Card formats
- Tangem CardVirtualOobit CardVirtual
- ATM withdrawals
- Tangem CardNot availableOobit CardAvailable
- Mobile wallets
- Tangem CardApple Pay, Google PayOobit CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidOobit CardiOS, Android
- Daily spending limit
- Tangem CardBasic advertises $10,000 daily; the account system/default shows up to $50,000, so the effective Basic limit is unclearOobit 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 CardATM withdrawals are not currently availableOobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hours
Funding & transfers
5 fields- Networks
- Tangem CardPolygonOobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, Arbitrum
- Crypto deposits
- Tangem CardStablecoins: USDCOobit CardNot disclosed
- Fiat deposits
- Tangem CardNot disclosedOobit 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 Card0%Oobit Card5%
- Max cashback
- Tangem Card0%Oobit Card10%
- Reward currency
- Tangem CardNo current purchase rewardsOobit 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 Card18Oobit Card16
- Last reviewed
- Tangem CardAug 28, 2026Oobit CardAug 12, 2026
04 · The trade-off
Oobit Card is the stronger all-round choice
Oobit Card finishes ahead with an Overall Score of 72 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. Oobit Card has the higher published base cashback rate (5% vs 0%).
Tangem Card still comes out ahead for Funds control and 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 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 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?
Oobit Card has the higher Overall Score (72 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 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 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 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 August 28, 2026, using 34 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.