TangemTangem
77
Side-by-side card comparison
Tangem vs Whop: overall score versus use-case fit
Tangem Card has the higher Overall Score by 10 points (77 vs 67). Tangem Card looks stronger for Cashback, Travel, and Funds control, while Whop Card comes out ahead for Lowest fees and Transfers.
Information checked Oct 11, 202640 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. Whop Card may be the better fit for 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.
OverallTangem77Whop67Higher score
CashbackTangem73Whop39Higher score
TravelTangem63Whop58Higher score
Funds controlTangem87Whop74Higher score
Lowest feesTangem52Whop56Higher score
TransfersTangem65Whop92Higher score
Choose Tangem Card if cashback and travel matter most
Tangem Card comes out ahead for Cashback, Travel, and 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 Whop Card if lowest fees and transfers matter most
Whop Card comes out ahead for 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.
- Spend Whop revenue before bank payout
- Five percent in three business categories
- Team controls and phone-wallet support
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
- Tangem77Whop67
Tangem Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown FXWhopNot verified plan · 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed 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%Whop0% base · up to 5%
Tangem Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- TangemHybrid custodyWhopHybrid custody
Tangem Card and Whop Card use the same hybrid custody setup.
- Everyday access
- TangemVirtual + Physical · Apple Pay, Google PayWhopVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tangem2 stablecoins · Stablecoin transfersWhop2 stablecoins · Stablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1
Whop Card lists more stablecoins and ways to send money out (8 vs 3).
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
- 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
- Not disclosed
- FX fee
- 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed
- ATM fee
- ATM access, issuer fee and limit are not separately confirmed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 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 CardOverall77Whop CardOverall67
Tangem CardOverall77Whop CardOverall67Scores
6 fields- Overall Score
- Tangem Card77Whop Card67
- Cashback score
- Tangem Card73Whop Card39
- Travel score
- Tangem Card63Whop Card58
- Funds control score
- Tangem Card87Whop Card74
- Lowest fees score
- Tangem Card52Whop Card56
- Transfers score
- Tangem Card65Whop Card92
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonWhop CardSpend Whop revenue before bank payout, Five percent in three business categories
- Trade-offs
- Tangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%Whop CardBusiness-only with strict country exclusions, Several costs and the foreign stack remain unclear
Costs
7 fields- Plan cost
- Tangem Card$0Whop CardNot disclosed
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownWhop Card1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateWhop CardDirect card top-up fee unknown; a provider-account stored-payment-method top-up is 0%
- Card spending fee
- Tangem Card0%Whop Card0%
- ATM fee
- Tangem Card2–4%Whop CardATM access, issuer fee and limit are not separately confirmed
- Virtual card
- Tangem Card$0 for the first virtual cardWhop CardNot disclosed
- Physical card
- Tangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery freeWhop CardNot disclosed
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusWhop CardNot disclosed
- Top cashback plan
- Tangem CardPlus: 2%Whop CardNot disclosed
Everyday use
8 fields- Network
- Tangem CardVisaWhop CardVisa
- Card formats
- Tangem CardVirtual, PhysicalWhop CardVirtual, Physical
- ATM withdrawals
- Tangem CardAvailableWhop CardNot disclosed
- Mobile wallets
- Tangem CardApple Pay, Google PayWhop CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidWhop CardiOS, Android
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsWhop CardDynamic and collateral-dependent; users can set per-card controls, but no universal provider amount is published
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthWhop CardDynamic and collateral-dependent; Whop or issuer can change the aggregate or per-card limit
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredWhop CardATM access and numeric withdrawal limits are unclear
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumWhop CardEthereum, Polygon, Optimism, Arbitrum
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTWhop CardStablecoins: USDT
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositWhop CardStored payment method top-up, Dynamic bank deposit instructions
- Transfers
- Tangem CardStablecoin transfersWhop CardStablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1
- Payout currencies
- Tangem CardNot disclosedWhop CardUSD
Rewards
3 fields- Base cashback
- Tangem Card1%Whop Card0%
- Max cashback
- Tangem Card2%Whop Card5%
- Reward currency
- Tangem CardUSDCWhop CardWhop account cash-back credit
Earn
5 fields- Advertised APY
- Tangem CardNot offeredWhop CardUp to 6% APY
- How it works
- Tangem CardNot offeredWhop CardOptional earn vault
- Separate deposit
- Tangem CardNot offeredWhop CardNo
- Use balance for spending
- Tangem CardNot offeredWhop CardNot disclosed
- Lock-up
- Tangem CardNot offeredWhop CardNo
Trust & availability
6 fields- Custody
- Tangem CardHybrid custodyWhop CardHybrid custody
- Control until payment
- Tangem CardYou keep controlWhop CardProvider controls funds
- Card issuer
- Tangem CardThird NationalWhop CardThird National
- Card processing
- Tangem CardPaera LLCWhop CardNot disclosed
- Custody / key management
- Tangem CardNot disclosedWhop CardPrivy
- Identity verification
- Tangem CardSumsubWhop CardNot disclosed
Sources
2 fields- Official sources
- Tangem Card20Whop Card20
- Last reviewed
- Tangem CardOct 11, 2026Whop CardAug 11, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 versus 67 for Whop 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%).
Whop Card still comes out ahead for Lowest fees and Transfers, which may matter more than the overall result if that is how you plan to use the card. Tangem Card and Whop Card use the same hybrid custody setup.
Whop Card lists more stablecoins and ways to send money out (8 vs 3). 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 Whop Card reviews first.
Continue with
Tangem Card
Continue with
Whop Card
05 · Common questions
Tangem vs Whop FAQ
Is Tangem or Whop better overall?
Tangem Card has the higher Overall Score (77 vs 67). 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 Whop?
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 Whop?
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 Whop differ on custody?
Tangem Card and Whop Card use the same hybrid custody setup.
How current is this Tangem vs Whop comparison?
The latest information check for these two cards was October 11, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.