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60
Side-by-side card comparison
Tangem vs Solayer Pay: overall score versus use-case fit
Tangem Card has the higher Overall Score by 5 points (60 vs 55). Tangem Card looks stronger for Funds control, Lowest fees, and Transfers, while Solayer Pay Card comes out ahead for Cashback and Travel.
Information checked Aug 28, 202643 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. Solayer Pay Card may be the better fit for Cashback and Travel. 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.
OverallTangem60Solayer Pay55Higher score
CashbackTangem15Solayer Pay20Higher score
TravelTangem27Solayer Pay53Higher score
Funds controlTangem83Solayer Pay47Higher score
Lowest feesTangem53Solayer Pay43Higher score
TransfersTangem58Solayer Pay29Higher score
Choose Tangem Card if funds control and lowest fees matter most
Tangem Card comes out ahead for 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.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
Choose Solayer Pay Card if cashback and travel matter most
Solayer Pay Card comes out ahead for Cashback and Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
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
- Tangem60Solayer Pay55
Tangem Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
Tangem Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Tangem0% cashbackSolayer Pay0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- TangemHybrid custodySolayer PayCustodial balance
Tangem Card uses a hybrid custody setup, while Solayer Pay 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 PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Solayer Pay Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tangem1 stablecoin · Stablecoin transfersSolayer Pay1 stablecoin · Not modeled
Tangem Card lists more stablecoins and ways to send money out (2 vs 1).
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% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 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 CardOverall60Solayer Pay CardOverall55
Tangem CardOverall60Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Tangem Card60Solayer Pay Card55
- Cashback score
- Tangem Card15Solayer Pay Card20
- Travel score
- Tangem Card27Solayer Pay Card53
- Funds control score
- Tangem Card83Solayer Pay Card47
- Lowest fees score
- Tangem Card53Solayer Pay Card43
- Transfers score
- Tangem Card58Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Tangem CardNo current cashback, Virtual-only with no ATM accessSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Tangem Card$0Solayer Pay Card$20/year
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownSolayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Tangem Card0%Solayer Pay Card1%
- Card spending fee
- Tangem Card0%Solayer Pay Card$0.15
- ATM fee
- Tangem CardNot availableSolayer Pay CardNot disclosed
- Virtual card
- Tangem Card$0 for the first virtual cardSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Tangem CardNot disclosedSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Tangem CardNot disclosedSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Tangem CardNot disclosedSolayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Tangem CardVisaSolayer Pay CardVisa
- Card formats
- Tangem CardVirtualSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Tangem CardNot availableSolayer Pay CardAvailable
- Mobile wallets
- Tangem CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidSolayer Pay 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 unclearSolayer Pay CardShown in app
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthSolayer Pay CardShown in app
- ATM limit
- Tangem CardATM withdrawals are not currently availableSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Tangem CardPolygonSolayer Pay CardSolana
- Crypto deposits
- Tangem CardStablecoins: USDCSolayer Pay CardStablecoins: USDC
- Fiat deposits
- Tangem CardNot disclosedSolayer Pay CardNot disclosed
- Transfers
- Tangem CardStablecoin transfersSolayer Pay CardNot disclosed
- Payout currencies
- Tangem CardNot disclosedSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Tangem Card0%Solayer Pay Card0%
- Max cashback
- Tangem Card0%Solayer Pay CardNot disclosed
- Reward currency
- Tangem CardNo current purchase rewardsSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Tangem CardNot offeredSolayer Pay CardUp to 3.5% APY
- How it works
- Tangem CardNot offeredSolayer Pay CardEarn on spending balance
- Separate deposit
- Tangem CardNot offeredSolayer Pay CardNo
- Use balance for spending
- Tangem CardNot offeredSolayer Pay CardYes
- Lock-up
- Tangem CardNot offeredSolayer Pay CardNo
Trust & availability
6 fields- Custody
- Tangem CardHybrid custodySolayer Pay CardCustodial
- Control until payment
- Tangem CardYou keep controlSolayer Pay CardProvider controls funds
- Card issuer
- Tangem CardThird NationalSolayer Pay CardThird National
- Card processing
- Tangem CardPaera LLCSolayer Pay CardNot disclosed
- Identity verification
- Tangem CardSumsubSolayer Pay CardSumsub
- Programme operator
- Tangem CardNot disclosedSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Tangem Card18Solayer Pay Card25
- Last reviewed
- Tangem CardAug 28, 2026Solayer Pay CardAug 12, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 60 versus 55 for Solayer Pay Card. Tangem Card has the lower starting plan cost ($0 vs $20/year). Both cards show the same base cashback rate of 0%.
Solayer Pay Card still comes out ahead for Cashback and Travel, 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 Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Tangem Card lists more stablecoins and ways to send money out (2 vs 1). 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 Solayer Pay Card reviews first.
Continue with
Tangem Card
Continue with
Solayer Pay Card
05 · Common questions
Tangem vs Solayer Pay FAQ
Is Tangem or Solayer Pay better overall?
Tangem Card has the higher Overall Score (60 vs 55). 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 Solayer Pay?
Tangem Card has the lower starting plan cost ($0 vs $20/year). 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 Solayer Pay?
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 Solayer Pay differ on custody?
Tangem Card uses a hybrid custody setup, while Solayer Pay 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 Solayer Pay comparison?
The latest information check for these two cards was August 28, 2026, using 43 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.