TangemTangem
60
Side-by-side card comparison
Tangem vs XPlace: overall score versus use-case fit
XPlace Card has the higher Overall Score by 8 points (68 vs 60). Tangem Card looks stronger for Funds control, while XPlace Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 28, 202644 official sources reviewed
01 · Overall score versus use-case fit
XPlace Card is the better all-round starting point
XPlace 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.
OverallTangem60XPlace68Higher score
CashbackTangem15XPlace49Higher score
TravelTangem27XPlace61Higher score
Funds controlTangem83XPlace67Higher score
Lowest feesTangem53XPlace69Higher score
TransfersTangem58XPlace62Higher 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 XPlace Card if cashback and travel matter most
XPlace 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.
- 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
- Tangem60XPlace68
XPlace Card has the higher Overall Score by 8 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
- Tangem0% cashbackXPlace0.5% base · up to 4%
XPlace Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- TangemHybrid custodyXPlaceHybrid custody
Tangem Card and XPlace Card use the same hybrid custody setup.
- Everyday access
- TangemVirtual · Apple Pay, Google PayXPlaceVirtual + Physical · Apple Pay, Google Pay
XPlace Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tangem1 stablecoin · Stablecoin transfersXPlace2 stablecoins · Stablecoin transfers
XPlace Card lists more stablecoins and ways to send money out (3 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
- 0.5%-4%
- 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 CardOverall60XPlace CardOverall68
Tangem CardOverall60XPlace CardOverall68Scores
6 fields- Overall Score
- Tangem Card60XPlace Card68
- Cashback score
- Tangem Card15XPlace Card49
- Travel score
- Tangem Card27XPlace Card61
- Funds control score
- Tangem Card83XPlace Card67
- Lowest fees score
- Tangem Card53XPlace Card69
- Transfers score
- Tangem Card58XPlace 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 CardNo current cashback, Virtual-only with no ATM accessXPlace 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 Card0%XPlace 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 CardNot availableXPlace CardNot available
- Virtual card
- Tangem Card$0 for the first virtual cardXPlace CardNot disclosed
- Physical card
- Tangem CardNot disclosedXPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.
Plans
2 fields- Available plans
- Tangem CardNot disclosedXPlace Card4 plans: Basic, Silver, Gold, Platinum
- Top cashback plan
- Tangem CardNot disclosedXPlace CardPlatinum: 2%
Everyday use
8 fields- Network
- Tangem CardVisaXPlace CardVisa
- Card formats
- Tangem CardVirtualXPlace CardVirtual, Physical
- ATM withdrawals
- Tangem CardNot availableXPlace CardNot available
- Mobile wallets
- Tangem CardApple Pay, Google PayXPlace CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidXPlace 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 unclearXPlace 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 CardATM withdrawals are not currently availableXPlace CardNot available while only the virtual card is live
Funding & transfers
5 fields- Networks
- Tangem CardPolygonXPlace CardSolana
- Crypto deposits
- Tangem CardStablecoins: USDCXPlace CardStablecoins: USDC
- Fiat deposits
- Tangem CardNot disclosedXPlace CardNot disclosed
- Transfers
- Tangem CardStablecoin transfersXPlace CardStablecoin transfers
- Payout currencies
- Tangem CardNot disclosedXPlace CardNot disclosed
Rewards
3 fields- Base cashback
- Tangem Card0%XPlace Card0.5%
- Max cashback
- Tangem Card0%XPlace Card4%
- Reward currency
- Tangem CardNo current purchase rewardsXPlace 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 Card18XPlace Card26
- Last reviewed
- Tangem CardAug 28, 2026XPlace CardAug 27, 2026
04 · The trade-off
XPlace Card is the stronger all-round choice
XPlace Card finishes ahead with an Overall Score of 68 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. XPlace Card has the higher published base cashback rate (0.5% vs 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 and XPlace Card use the same hybrid custody setup.
XPlace Card lists more stablecoins and ways to send money out (3 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 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?
XPlace Card has the higher Overall Score (68 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 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?
XPlace Card has the higher published base cashback rate (0.5% 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 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 August 28, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.