TangemTangem
77
Side-by-side card comparison
Tangem vs Spritz: fees, rewards and account setup
Tangem Card has the higher Overall Score by 15 points (77 vs 62). Tangem Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Spritz Card may still be the better personal fit.
Information checked Oct 11, 202661 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. Spritz 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.
OverallTangem77Spritz62Higher score
CashbackTangem73Spritz34Higher score
TravelTangem63Spritz46Higher score
Funds controlTangem87Spritz62Higher score
Lowest feesTangem52Spritz44Higher score
TransfersTangem65Spritz64Higher 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 Spritz Card if its day-to-day setup suits you
Spritz 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.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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
- Tangem77Spritz62
Tangem Card has the higher Overall Score by 15 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply 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%Spritz0% base · up to 5%
Tangem Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- TangemHybrid custodySpritzHybrid custody
Tangem Card and Spritz Card use the same hybrid custody setup.
- Everyday access
- TangemVirtual + Physical · Apple Pay, Google PaySpritzVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tangem2 stablecoins · Stablecoin transfersSpritz0 stablecoins · Wallet-to-bank Off-Ramp
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%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 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 CardOverall77Spritz CardOverall62
Tangem CardOverall77Spritz CardOverall62Scores
6 fields- Overall Score
- Tangem Card77Spritz Card62
- Cashback score
- Tangem Card73Spritz Card34
- Travel score
- Tangem Card63Spritz Card46
- Funds control score
- Tangem Card87Spritz Card62
- Lowest fees score
- Tangem Card52Spritz Card44
- Transfers score
- Tangem Card65Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Tangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%Spritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Tangem Card$0Spritz Card$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownSpritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateSpritz Card1–3%
- Card spending fee
- Tangem Card0%Spritz Card0%
- ATM fee
- Tangem Card2–4%Spritz CardNot disclosed
- Virtual card
- Tangem Card$0 for the first virtual cardSpritz CardNot disclosed
- Physical card
- Tangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery freeSpritz CardNot disclosed
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusSpritz CardNot disclosed
- Top cashback plan
- Tangem CardPlus: 2%Spritz CardNot disclosed
Everyday use
8 fields- Network
- Tangem CardVisaSpritz CardVisa
- Card formats
- Tangem CardVirtual, PhysicalSpritz CardVirtual, Physical
- ATM withdrawals
- Tangem CardAvailableSpritz CardNot disclosed
- Mobile wallets
- Tangem CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidSpritz CardiOS
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthSpritz CardNot disclosed
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositSpritz CardNot disclosed
- Transfers
- Tangem CardStablecoin transfersSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Tangem CardNot disclosedSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Tangem Card1%Spritz Card0%
- Max cashback
- Tangem Card2%Spritz Card5%
- Reward currency
- Tangem CardUSDCSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Tangem CardNot offeredSpritz CardNot offered
- How it works
- Tangem CardNot offeredSpritz CardNot offered
- Separate deposit
- Tangem CardNot offeredSpritz CardNot offered
- Use balance for spending
- Tangem CardNot offeredSpritz CardNot offered
- Lock-up
- Tangem CardNot offeredSpritz CardNot offered
Trust & availability
5 fields- Custody
- Tangem CardHybrid custodySpritz CardHybrid custody
- Control until payment
- Tangem CardYou keep controlSpritz CardProvider controls funds
- Card issuer
- Tangem CardThird NationalSpritz CardNot disclosed
- Card processing
- Tangem CardPaera LLCSpritz CardRain
- Identity verification
- Tangem CardSumsubSpritz CardNot disclosed
Sources
2 fields- Official sources
- Tangem Card20Spritz Card41
- Last reviewed
- Tangem CardOct 11, 2026Spritz CardAug 28, 2026
04 · The takeaway
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 versus 62 for Spritz Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Tangem Card has the higher published base cashback rate (1% vs 0%).
Spritz Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Tangem Card and Spritz Card use the same hybrid custody setup.
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 Spritz Card reviews first.
Continue with
Tangem Card
Continue with
Spritz Card
05 · Common questions
Tangem vs Spritz FAQ
Is Tangem or Spritz better overall?
Tangem Card has the higher Overall Score (77 vs 62). 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 Spritz?
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 Spritz?
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 Spritz differ on custody?
Tangem Card and Spritz Card use the same hybrid custody setup.
How current is this Tangem vs Spritz comparison?
The latest information check for these two cards was October 11, 2026, using 61 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.