TangemTangem
77
Side-by-side card comparison
Tangem vs Solayer Pay: fees, rewards and account setup
Tangem Card has the higher Overall Score by 22 points (77 vs 55). Tangem Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Solayer Pay Card may still be the better personal fit.
Information checked Oct 11, 202645 official sources reviewed
01 · Make the first cut
Tangem Card is the better all-round starting point
Tangem Card has the higher Overall Score in this comparison. Solayer Pay 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.
OverallTangem77Solayer Pay55Higher score
CashbackTangem73Solayer Pay21Higher score
TravelTangem63Solayer Pay53Higher score
Funds controlTangem87Solayer Pay47Higher score
Lowest feesTangem52Solayer Pay43Higher score
TransfersTangem65Solayer Pay29Higher score
Choose Tangem Card if cashback and travel matter most
Tangem 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.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
Choose Solayer Pay Card if its day-to-day setup suits you
Solayer Pay 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.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
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
- Tangem77Solayer Pay55
Tangem Card has the higher Overall Score by 22 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
- Tangem1% base · up to 2%Solayer Pay0% base
Tangem Card has the higher published base cashback rate (1% vs 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 + Physical · Apple Pay, Google PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tangem2 stablecoins · Stablecoin transfersSolayer Pay1 stablecoin · Not modeled
Tangem Card lists more stablecoins and ways to send money out (3 vs 1).
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
- 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
- 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
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 CardOverall77Solayer Pay CardOverall55
Tangem CardOverall77Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Tangem Card77Solayer Pay Card55
- Cashback score
- Tangem Card73Solayer Pay Card21
- Travel score
- Tangem Card63Solayer Pay Card53
- Funds control score
- Tangem Card87Solayer Pay Card47
- Lowest fees score
- Tangem Card52Solayer Pay Card43
- Transfers score
- Tangem Card65Solayer 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 CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%Solayer 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 CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateSolayer Pay Card1%
- Card spending fee
- Tangem Card0%Solayer Pay Card$0.15
- ATM fee
- Tangem Card2–4%Solayer 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 CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery freeSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Tangem CardPlus: 2%Solayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Tangem CardVisaSolayer Pay CardVisa
- Card formats
- Tangem CardVirtual, PhysicalSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Tangem CardAvailableSolayer 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: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsSolayer 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 Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumSolayer Pay CardSolana
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTSolayer Pay CardStablecoins: USDC
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositSolayer Pay CardNot disclosed
- Transfers
- Tangem CardStablecoin transfersSolayer Pay CardNot disclosed
- Payout currencies
- Tangem CardNot disclosedSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Tangem Card1%Solayer Pay Card0%
- Max cashback
- Tangem Card2%Solayer Pay CardNot disclosed
- Reward currency
- Tangem CardUSDCSolayer 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 Card20Solayer Pay Card25
- Last reviewed
- Tangem CardOct 11, 2026Solayer Pay CardAug 12, 2026
04 · The takeaway
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 versus 55 for Solayer Pay Card. Tangem Card has the lower starting plan cost ($0 vs $20/year). Tangem Card has the higher published base cashback rate (1% vs 0%).
Solayer Pay 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 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 (3 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 (77 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?
Tangem Card has the higher published base cashback rate (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 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 October 11, 2026, using 45 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.