TangemTangem
60
Side-by-side card comparison
Tangem vs Pionex: overall score versus use-case fit
Tangem Card has the higher Overall Score by 3 points (60 vs 57). Tangem Card looks stronger for Funds control, while Pionex Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 28, 202677 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. Pionex Card may be the better fit for Cashback, Travel, 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.
OverallTangem60Pionex57Higher score
CashbackTangem15Pionex52Higher score
TravelTangem27Pionex29Higher score
Funds controlTangem83Pionex43Higher score
Lowest feesTangem53Pionex58Higher score
TransfersTangem58Pionex79Higher score
Choose Tangem Card if funds control matters most
Tangem Card comes out ahead for 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 Pionex Card if cashback and travel matter most
Pionex Card comes out ahead for Cashback, Travel, 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.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and payouts
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
- Tangem60Pionex57
Tangem Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown FXPionex$0 plan · Not disclosed 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% cashbackPionex0.1% base · up to 1%
Pionex Card has the higher published base cashback rate (0.1% vs 0%).
- Funds control
- TangemHybrid custodyPionexCustodial balance
Tangem Card uses a hybrid custody setup, while Pionex Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- TangemVirtual · Apple Pay, Google PayPionexVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tangem1 stablecoin · Stablecoin transfersPionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
Pionex Card lists more stablecoins and ways to send money out (4 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
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- 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
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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 CardOverall60Pionex CardOverall57
Tangem CardOverall60Pionex CardOverall57Scores
6 fields- Overall Score
- Tangem Card60Pionex Card57
- Cashback score
- Tangem Card15Pionex Card52
- Travel score
- Tangem Card27Pionex Card29
- Funds control score
- Tangem Card83Pionex Card43
- Lowest fees score
- Tangem Card53Pionex Card58
- Transfers score
- Tangem Card58Pionex Card79
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonPionex CardVisa and Mastercard options, 0.1%-1% cashback in USDT
- Trade-offs
- Tangem CardNo current cashback, Virtual-only with no ATM accessPionex CardMastercard can cost up to 3.5%, General access is virtual-only
Costs
7 fields- Plan cost
- Tangem Card$0Pionex Card$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownPionex CardNot disclosed
- Top-up fee
- Tangem Card0%Pionex CardNot disclosed
- Card spending fee
- Tangem Card0%Pionex Card3.5%
- ATM fee
- Tangem CardNot availablePionex CardNot available
- Virtual card
- Tangem Card$0 for the first virtual cardPionex CardAvailable
- Physical card
- Tangem CardNot disclosedPionex CardNot available
Plans
2 fields- Available plans
- Tangem CardNot disclosedPionex Card2 plans: Mastercard, Visa
- Top cashback plan
- Tangem CardNot disclosedPionex CardVisa: 1%
Everyday use
8 fields- Network
- Tangem CardVisaPionex CardVisa/Mastercard
- Card formats
- Tangem CardVirtualPionex CardVirtual
- ATM withdrawals
- Tangem CardNot availablePionex CardNot available
- Mobile wallets
- Tangem CardApple Pay, Google PayPionex CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidPionex CardNot disclosed
- Daily spending limit
- Tangem CardBasic advertises $10,000 daily; the account system/default shows up to $50,000, so the effective Basic limit is unclearPionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on network
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthPionex Card$50,000-$100,000/month depending on network
- ATM limit
- Tangem CardATM withdrawals are not currently availablePionex CardNot available
Funding & transfers
5 fields- Networks
- Tangem CardPolygonPionex CardNot disclosed
- Crypto deposits
- Tangem CardStablecoins: USDCPionex CardOther crypto: Supported crypto
- Fiat deposits
- Tangem CardNot disclosedPionex CardNot disclosed
- Transfers
- Tangem CardStablecoin transfersPionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
- Payout currencies
- Tangem CardNot disclosedPionex CardNot disclosed
Rewards
3 fields- Base cashback
- Tangem Card0%Pionex Card0.1%
- Max cashback
- Tangem Card0%Pionex Card1%
- Reward currency
- Tangem CardNo current purchase rewardsPionex CardUSDT
Earn
5 fields- Advertised APY
- Tangem CardNot offeredPionex CardUp to 5% APY
- How it works
- Tangem CardNot offeredPionex CardEarn on spending balance
- Separate deposit
- Tangem CardNot offeredPionex CardNo
- Use balance for spending
- Tangem CardNot offeredPionex CardYes
- Lock-up
- Tangem CardNot offeredPionex CardNo
Trust & availability
5 fields- Custody
- Tangem CardHybrid custodyPionex CardCustodial
- Control until payment
- Tangem CardYou keep controlPionex CardProvider controls funds
- Card issuer
- Tangem CardThird NationalPionex CardNot disclosed
- Card processing
- Tangem CardPaera LLCPionex CardNot disclosed
- Identity verification
- Tangem CardSumsubPionex CardNot disclosed
Sources
2 fields- Official sources
- Tangem Card18Pionex Card59
- Last reviewed
- Tangem CardAug 28, 2026Pionex CardAug 14, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 60 versus 57 for Pionex Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Pionex Card has the higher published base cashback rate (0.1% vs 0%).
Pionex Card still comes out ahead for Cashback, Travel, 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 Pionex Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Pionex Card lists more stablecoins and ways to send money out (4 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 Pionex Card reviews first.
Continue with
Tangem Card
Continue with
Pionex Card
05 · Common questions
Tangem vs Pionex FAQ
Is Tangem or Pionex better overall?
Tangem Card has the higher Overall Score (60 vs 57). 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 Pionex?
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 Pionex?
Pionex Card has the higher published base cashback rate (0.1% 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 Pionex differ on custody?
Tangem Card uses a hybrid custody setup, while Pionex Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Tangem vs Pionex comparison?
The latest information check for these two cards was August 28, 2026, using 77 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.