TangemTangem
60
Side-by-side card comparison
Tangem vs Spritz: overall score versus use-case fit
Spritz Card has the higher Overall Score by 2 points (62 vs 60). Tangem Card looks stronger for Funds control and Lowest fees, while Spritz Card comes out ahead for Cashback, Travel, and Transfers.
Information checked Aug 28, 202659 official sources reviewed
01 · Overall score versus use-case fit
Spritz Card is the better all-round starting point
Spritz 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.
OverallTangem60Spritz62Higher score
CashbackTangem15Spritz34Higher score
TravelTangem27Spritz46Higher score
Funds controlTangem83Spritz62Higher score
Lowest feesTangem53Spritz44Higher score
TransfersTangem58Spritz64Higher 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 Spritz Card if cashback and travel matter most
Spritz 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.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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
- Tangem60Spritz62
Spritz Card has the higher Overall Score by 2 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
- Tangem0% cashbackSpritz0% base · up to 5%
Both cards show the same base cashback rate of 0%.
- Funds control
- TangemHybrid custodySpritzHybrid custody
Tangem Card and Spritz Card use the same hybrid custody setup.
- Everyday access
- TangemVirtual · Apple Pay, Google PaySpritzVirtual + Physical · Apple Pay, Google Pay
Spritz Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tangem1 stablecoin · Stablecoin transfersSpritz0 stablecoins · Wallet-to-bank Off-Ramp
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%-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
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 CardOverall60Spritz CardOverall62
Tangem CardOverall60Spritz CardOverall62Scores
6 fields- Overall Score
- Tangem Card60Spritz Card62
- Cashback score
- Tangem Card15Spritz Card34
- Travel score
- Tangem Card27Spritz Card46
- Funds control score
- Tangem Card83Spritz Card62
- Lowest fees score
- Tangem Card53Spritz Card44
- Transfers score
- Tangem Card58Spritz 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 CardNo current cashback, Virtual-only with no ATM accessSpritz 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 Card0%Spritz Card1–3%
- Card spending fee
- Tangem Card0%Spritz Card0%
- ATM fee
- Tangem CardNot availableSpritz CardNot disclosed
- Virtual card
- Tangem Card$0 for the first virtual cardSpritz CardNot disclosed
- Physical card
- Tangem CardNot disclosedSpritz CardNot disclosed
Plans
2 fields- Available plans
- Tangem CardNot disclosedSpritz CardNot disclosed
- Top cashback plan
- Tangem CardNot disclosedSpritz CardNot disclosed
Everyday use
8 fields- Network
- Tangem CardVisaSpritz CardVisa
- Card formats
- Tangem CardVirtualSpritz CardVirtual, Physical
- ATM withdrawals
- Tangem CardNot availableSpritz CardNot disclosed
- Mobile wallets
- Tangem CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidSpritz CardiOS
- Daily spending limit
- Tangem CardBasic advertises $10,000 daily; the account system/default shows up to $50,000, so the effective Basic limit is unclearSpritz 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 CardATM withdrawals are not currently availableSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Tangem CardPolygonSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Tangem CardStablecoins: USDCSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Tangem CardNot disclosedSpritz 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 Card0%Spritz Card0%
- Max cashback
- Tangem Card0%Spritz Card5%
- Reward currency
- Tangem CardNo current purchase rewardsSpritz 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 Card18Spritz Card41
- Last reviewed
- Tangem CardAug 28, 2026Spritz CardAug 28, 2026
04 · The trade-off
Spritz Card is the stronger all-round choice
Spritz Card finishes ahead with an Overall Score of 62 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. Both cards show the same base cashback rate of 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 Spritz Card use the same hybrid custody setup.
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 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?
Spritz Card has the higher Overall Score (62 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 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?
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 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 August 28, 2026, using 59 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.