XPlaceXPlace
68
Side-by-side card comparison
XPlace vs Decaf
XPlace Card has the higher Overall Score by 4 points (68 vs 64). XPlace Card looks stronger for Cashback, Travel, Funds control, and Lowest fees, while Decaf Card comes out ahead for Transfers.
Latest check Oct 19, 202648 official sources reviewed
XPlace Card
Best fit
- Choosing between prefunded USDC spending and crypto-backed Credit Mode.
- Existing Kamino users who want a card linked to eligible collateral.
- Trying Cash Mode on the free Basic plan before paying for a higher tier.
Before you choose
- Cash Mode earns no cashback; rewards require collateral-backed borrowing.
- Borrowing APR is shown in-app; falling collateral can trigger liquidation.
- Basic adds 1% XPlace FX, with another 1% when Visa converts the purchase.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsXPlace CardOverall68Decaf CardOverall64
XPlace CardOverall68Decaf CardOverall64Scores
- Overall Score
- XPlace Card68Decaf Card64
- Cashback score
- XPlace Card49Decaf Card29
- Travel score
- XPlace Card65Decaf Card60
- Funds control score
- XPlace Card67Decaf Card63
- Lowest fees score
- XPlace Card65Decaf Card57
- Transfers score
- XPlace Card62Decaf Card70
Costs
- Plan cost
- XPlace Card$0Decaf Card$0
- FX fee
- XPlace Card0–1%Decaf Card1–2%
- Top-up fee
- XPlace CardProvider fee not published; external network or bridge costs may apply and are not card feesDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- XPlace Card0%Decaf CardNot disclosed
- ATM fee
- XPlace CardNot availableDecaf Card0% Decaf markup
- Virtual card
- XPlace CardNot disclosedDecaf Card$5
- Physical card
- XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.Decaf Card$90 international / $10 US
Plans
- Available plans
- XPlace Card4 plans: Basic, Silver, Gold, PlatinumDecaf CardNot disclosed
- Top cashback plan
- XPlace CardPlatinum: 2%Decaf CardNot disclosed
Everyday use
- Network
- XPlace CardVisaDecaf CardVisa
- Card formats
- XPlace CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- XPlace CardNot disclosedDecaf CardNot disclosed
- Mobile wallets
- XPlace CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- XPlace CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- XPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controlsDecaf CardNot disclosed
- Monthly spending limit
- XPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per monthDecaf CardNot disclosed
- ATM limit
- XPlace CardNot available while only the virtual card is liveDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- XPlace CardSolanaDecaf CardSolana, Stellar
- Crypto deposits
- XPlace CardStablecoins: USDCDecaf CardStablecoins: USDC
- Fiat deposits
- XPlace CardNot disclosedDecaf CardUSD, EUR and MXN account receipts
- Transfers
- XPlace CardStablecoin transfersDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- XPlace CardNot disclosedDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- XPlace Card0.5%Decaf CardNot disclosed
- Max cashback
- XPlace Card2%Decaf CardNot disclosed
- Reward currency
- XPlace CardUSDCDecaf CardNot disclosed
Earn
- Advertised APY
- XPlace CardUp to 6.15% APYDecaf CardNot disclosed
- How it works
- XPlace CardBorrow against collateral, Optional earn vaultDecaf CardOptional earn vault
- Separate deposit
- XPlace CardYesDecaf CardYes
- Use balance for spending
- XPlace CardNoDecaf CardNot disclosed
- Lock-up
- XPlace CardNoDecaf CardNot disclosed
Trust & availability
- Custody
- XPlace CardHybrid custodyDecaf CardNon-custodial
- Control until payment
- XPlace CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- XPlace CardThird NationalDecaf CardThird National, Inc.
- Card processing
- XPlace CardSignify Holdings, Inc. (Rain)Decaf CardRain
- Deposits & withdrawals
- XPlace CardNot disclosedDecaf CardMoneyGram
- Identity verification
- XPlace CardSumsubDecaf CardNot disclosed
Sources
- Official sources
- XPlace Card27Decaf Card21
- Last reviewed
- XPlace CardSep 20, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose XPlace or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, XPlace lists 0–1%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Matching the card to your plans
XPlace: Choosing between prefunded USDC spending and crypto-backed Credit Mode. Decaf: Spending USDC received on Solana or Stellar through a separate card load.
Common questions
XPlace vs Decaf FAQ
Is XPlace or Decaf better overall?
XPlace Card has the higher Overall Score (68 vs 64). 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, XPlace or Decaf?
XPlace Card has the lower published FX fee (0–1% vs 1–2%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, XPlace or Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do XPlace and Decaf differ on custody?
XPlace Card uses a hybrid custody setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this XPlace vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.