TangemTangem
60
Side-by-side card comparison
Tangem vs Xapo: overall score versus use-case fit
Xapo Card has the higher Overall Score by 10 points (70 vs 60). Tangem Card looks stronger for Funds control, while Xapo Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Sep 1, 202639 official sources reviewed
01 · Overall score versus use-case fit
Xapo Card is the better all-round starting point
Xapo Card has the higher Overall Score in this comparison. Tangem Card may be the better fit for Funds control. 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.
OverallTangem60Xapo70Higher score
CashbackTangem15Xapo24Higher score
TravelTangem27Xapo91Higher score
Funds controlTangem83Xapo63Higher score
Lowest feesTangem53Xapo77Higher score
TransfersTangem58Xapo100Higher score
Choose Tangem Card if funds control matters most
Tangem Card comes out ahead for 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 Xapo Card if cashback and travel matter most
Xapo Card comes out ahead for Cashback, Travel, 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.
- No Xapo FX markup
- Account-backed bank and crypto rails
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
- Tangem60Xapo70
Xapo Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown FXXapo$1,000/year plan · 0–0.29% FX
Tangem Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Tangem0% cashbackXapo0% base · up to 3%
Both cards show the same base cashback rate of 0%.
- Funds control
- TangemHybrid custodyXapoCustodial balance
Tangem Card uses a hybrid custody setup, while Xapo 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 PayXapoVirtual + Physical · Unknown
Tangem Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Tangem1 stablecoin · Stablecoin transfersXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 vs 2).
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%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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 CardOverall60Xapo CardOverall70
Tangem CardOverall60Xapo CardOverall70Scores
6 fields- Overall Score
- Tangem Card60Xapo Card70
- Cashback score
- Tangem Card15Xapo Card24
- Travel score
- Tangem Card27Xapo Card91
- Funds control score
- Tangem Card83Xapo Card63
- Lowest fees score
- Tangem Card53Xapo Card77
- Transfers score
- Tangem Card58Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Tangem CardNo current cashback, Virtual-only with no ATM accessXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Tangem Card$0Xapo Card$1,000/year
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownXapo Card0–0.29%
- Top-up fee
- Tangem Card0%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Tangem Card0%Xapo Card0%
- ATM fee
- Tangem CardNot availableXapo Card0–2%
- Virtual card
- Tangem Card$0 for the first virtual cardXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Tangem CardNot disclosedXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Tangem CardNot disclosedXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Tangem CardNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Tangem CardVisaXapo CardVisa/Mastercard
- Card formats
- Tangem CardVirtualXapo CardVirtual, Physical
- ATM withdrawals
- Tangem CardNot availableXapo CardAvailable
- Mobile wallets
- Tangem CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Tangem CardiOS, AndroidXapo 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 unclearXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Tangem CardATM withdrawals are not currently availableXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Tangem CardPolygonXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Tangem CardStablecoins: USDCXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Tangem CardNot disclosedXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Tangem CardStablecoin transfersXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Tangem CardNot disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Tangem Card0%Xapo Card0%
- Max cashback
- Tangem Card0%Xapo Card3%
- Reward currency
- Tangem CardNo current purchase rewardsXapo CardBTC
Earn
5 fields- Advertised APY
- Tangem CardNot offeredXapo CardUp to 3.35% APY
- How it works
- Tangem CardNot offeredXapo CardEarn on spending balance
- Separate deposit
- Tangem CardNot offeredXapo CardNo
- Use balance for spending
- Tangem CardNot offeredXapo CardYes
- Lock-up
- Tangem CardNot offeredXapo CardNo
Trust & availability
6 fields- Custody
- Tangem CardHybrid custodyXapo CardCustodial
- Control until payment
- Tangem CardYou keep controlXapo CardProvider controls funds
- Card issuer
- Tangem CardThird NationalXapo CardTransact Payments Malta Limited
- Card processing
- Tangem CardPaera LLCXapo CardNot disclosed
- Bank transfers
- Tangem CardNot disclosedXapo CardXapo Bank Limited
- Identity verification
- Tangem CardSumsubXapo CardNot disclosed
Sources
2 fields- Official sources
- Tangem Card18Xapo Card21
- Last reviewed
- Tangem CardAug 28, 2026Xapo CardSep 1, 2026
04 · The trade-off
Xapo Card is the stronger all-round choice
Xapo Card finishes ahead with an Overall Score of 70 versus 60 for Tangem Card. Tangem Card has the lower starting plan cost ($0 vs $1,000/year). Both cards show the same base cashback rate of 0%.
Tangem Card still comes out ahead for Funds control, 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 Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Xapo Card lists more stablecoins and ways to send money out (8 vs 2). 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 Xapo Card reviews first.
Continue with
Tangem Card
Continue with
Xapo Card
05 · Common questions
Tangem vs Xapo FAQ
Is Tangem or Xapo better overall?
Xapo Card has the higher Overall Score (70 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 Xapo?
Tangem Card has the lower starting plan cost ($0 vs $1,000/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 Xapo?
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 Xapo differ on custody?
Tangem Card uses a hybrid custody setup, while Xapo 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 Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 39 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.