TangemTangem
77
Side-by-side card comparison
Tangem vs XPlace: overall score versus use-case fit
Tangem Card has the higher Overall Score by 9 points (77 vs 68). Tangem Card looks stronger for Cashback, Funds control, and Transfers, while XPlace Card comes out ahead for Travel and Lowest fees.
Information checked Oct 11, 202647 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. XPlace Card may be the better fit for Travel 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.
OverallTangem77XPlace68Higher score
CashbackTangem73XPlace49Higher score
TravelTangem63XPlace65Higher score
Funds controlTangem87XPlace67Higher score
Lowest feesTangem52XPlace65Higher score
TransfersTangem65XPlace62Higher score
Choose Tangem Card if cashback and funds control matter most
Tangem Card comes out ahead for Cashback, Funds control, 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 XPlace Card if travel and lowest fees matter most
XPlace Card comes out ahead for Travel 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.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
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
- Tangem77XPlace68
Tangem Card has the higher Overall Score by 9 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown FXXPlace$0 plan · 0–1% 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%XPlace0.5% base · up to 2%
Tangem Card has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- TangemHybrid custodyXPlaceHybrid custody
Tangem Card and XPlace Card use the same hybrid custody setup.
- Everyday access
- TangemVirtual + Physical · Apple Pay, Google PayXPlaceVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tangem2 stablecoins · Stablecoin transfersXPlace2 stablecoins · Stablecoin transfers
Both cards list the same number of stablecoins and ways to send money out.
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%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 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 CardOverall77XPlace CardOverall68
Tangem CardOverall77XPlace CardOverall68Scores
6 fields- Overall Score
- Tangem Card77XPlace Card68
- Cashback score
- Tangem Card73XPlace Card49
- Travel score
- Tangem Card63XPlace Card65
- Funds control score
- Tangem Card87XPlace Card67
- Lowest fees score
- Tangem Card52XPlace Card65
- Transfers score
- Tangem Card65XPlace Card62
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonXPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published caps
- Trade-offs
- Tangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%XPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layers
Costs
7 fields- Plan cost
- Tangem Card$0XPlace Card$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownXPlace Card0–1%
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateXPlace CardProvider fee not published; external network or bridge costs may apply and are not card fees
- Card spending fee
- Tangem Card0%XPlace Card0%
- ATM fee
- Tangem Card2–4%XPlace CardNot available
- Virtual card
- Tangem Card$0 for the first virtual cardXPlace CardNot disclosed
- Physical card
- Tangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery freeXPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusXPlace Card4 plans: Basic, Silver, Gold, Platinum
- Top cashback plan
- Tangem CardPlus: 2%XPlace CardPlatinum: 2%
Everyday use
8 fields- Network
- Tangem CardVisaXPlace CardVisa
- Card formats
- Tangem CardVirtual, PhysicalXPlace CardVirtual, Physical
- ATM withdrawals
- Tangem CardAvailableXPlace CardNot disclosed
- Mobile wallets
- Tangem CardApple Pay, Google PayXPlace CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidXPlace CardiOS, Android
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsXPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controls
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthXPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per month
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredXPlace CardNot available while only the virtual card is live
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumXPlace CardSolana
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTXPlace CardStablecoins: USDC
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositXPlace CardNot disclosed
- Transfers
- Tangem CardStablecoin transfersXPlace CardStablecoin transfers
- Payout currencies
- Tangem CardNot disclosedXPlace CardNot disclosed
Rewards
3 fields- Base cashback
- Tangem Card1%XPlace Card0.5%
- Max cashback
- Tangem Card2%XPlace Card2%
- Reward currency
- Tangem CardUSDCXPlace CardUSDC
Earn
5 fields- Advertised APY
- Tangem CardNot offeredXPlace CardUp to 6.15% APY
- How it works
- Tangem CardNot offeredXPlace CardBorrow against collateral, Optional earn vault
- Separate deposit
- Tangem CardNot offeredXPlace CardYes
- Use balance for spending
- Tangem CardNot offeredXPlace CardNo
- Lock-up
- Tangem CardNot offeredXPlace CardNo
Trust & availability
5 fields- Custody
- Tangem CardHybrid custodyXPlace CardHybrid custody
- Control until payment
- Tangem CardYou keep controlXPlace CardProvider controls funds
- Card issuer
- Tangem CardThird NationalXPlace CardThird National
- Card processing
- Tangem CardPaera LLCXPlace CardSignify Holdings, Inc. (Rain)
- Identity verification
- Tangem CardSumsubXPlace CardSumsub
Sources
2 fields- Official sources
- Tangem Card20XPlace Card27
- Last reviewed
- Tangem CardOct 11, 2026XPlace CardSep 20, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 versus 68 for XPlace 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 0.5%).
XPlace Card still comes out ahead for Travel and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Tangem Card and XPlace Card use the same hybrid custody setup.
Both cards list the same number of stablecoins and ways to send money out. 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 XPlace Card reviews first.
Continue with
Tangem Card
Continue with
XPlace Card
05 · Common questions
Tangem vs XPlace FAQ
Is Tangem or XPlace better overall?
Tangem Card has the higher Overall Score (77 vs 68). 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 XPlace?
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 XPlace?
Tangem Card has the higher published base cashback rate (1% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tangem and XPlace differ on custody?
Tangem Card and XPlace Card use the same hybrid custody setup.
How current is this Tangem vs XPlace comparison?
The latest information check for these two cards was October 11, 2026, using 47 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.