XPlaceXPlace
68
Side-by-side card comparison
XPlace vs Fasset: fees, rewards and account setup
XPlace Card has the higher Overall Score by 15 points (68 vs 53). XPlace Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Fasset Card may still be the better personal fit.
Information checked Aug 27, 202635 official sources reviewed
01 · Make the first cut
XPlace Card is the better all-round starting point
XPlace Card has the higher Overall Score in this comparison. Fasset Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallXPlace68Fasset53Higher score
CashbackXPlace49Fasset19Higher score
TravelXPlace61Fasset30Higher score
Funds controlXPlace67Fasset45Higher score
Lowest feesXPlace69Fasset51Higher score
TransfersXPlace62Fasset50Higher score
Choose XPlace Card if cashback and travel matter most
XPlace Card comes out ahead for Cashback, Travel, Funds control, 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
Choose Fasset Card if its day-to-day setup suits you
Fasset Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Clear internal USDT funding flow
- Broad phone-wallet support
- Complete card-country list
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- XPlace68Fasset53
XPlace Card has the higher Overall Score by 15 points.
- Entry cost & FX
- XPlace$0 plan · 0–1% FXFassetNot disclosed plan · 3% non-USD FX; up to 3% cross-border may also apply FX
XPlace Card has the lower published FX fee (0–1% vs 3% non-USD FX; up to 3% cross-border may also apply).
- Purchase rewards
- XPlace0.5% base · up to 4%FassetNot disclosed
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- XPlaceHybrid custodyFassetCustodial balance
XPlace Card uses a hybrid custody setup, while Fasset Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- XPlaceVirtual + Physical · Apple Pay, Google PayFassetVirtual · Apple Pay, Google Pay
XPlace Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- XPlace2 stablecoins · Stablecoin transfersFasset1 stablecoin · Card balance back to Fasset Wallet
XPlace Card lists more stablecoins and ways to send money out (3 vs 2).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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
- Cashback
- Not disclosed
- Plan cost
- Not disclosed
- FX fee
- 3% non-USD FX; up to 3% cross-border may also apply
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsXPlace CardOverall68Fasset CardOverall53
XPlace CardOverall68Fasset CardOverall53Scores
6 fields- Overall Score
- XPlace Card68Fasset Card53
- Cashback score
- XPlace Card49Fasset Card19
- Travel score
- XPlace Card61Fasset Card30
- Funds control score
- XPlace Card67Fasset Card45
- Lowest fees score
- XPlace Card69Fasset Card51
- Transfers score
- XPlace Card62Fasset Card50
Strengths & trade-offs
2 fields- Strengths
- XPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published capsFasset CardClear internal USDT funding flow, Broad phone-wallet support
- Trade-offs
- XPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layersFasset CardForeign spend can be expensive, OWN reward economics are missing
Costs
7 fields- Plan cost
- XPlace Card$0Fasset CardNot disclosed
- FX fee
- XPlace Card0–1%Fasset Card3% non-USD FX; up to 3% cross-border may also apply
- Top-up fee
- XPlace CardProvider fee not published; external network or bridge costs may apply and are not card feesFasset Card0%
- Card spending fee
- XPlace Card0%Fasset Card0%
- ATM fee
- XPlace CardNot availableFasset CardNot available
- Virtual card
- XPlace CardNot disclosedFasset Card9.99 USDT activation / issuance fee
- Physical card
- XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.Fasset CardNot disclosed
Plans
2 fields- Available plans
- XPlace Card4 plans: Basic, Silver, Gold, PlatinumFasset CardBase virtual live; Edge waitlist; Select, Elite and Reserve coming soon
- Top cashback plan
- XPlace CardPlatinum: 2%Fasset CardNot disclosed
Everyday use
8 fields- Network
- XPlace CardVisaFasset CardVisa
- Card formats
- XPlace CardVirtual, PhysicalFasset CardVirtual
- ATM withdrawals
- XPlace CardNot availableFasset CardNot available
- Mobile wallets
- XPlace CardApple Pay, Google PayFasset CardApple Pay, Google Pay
- Apps
- XPlace CardiOS, AndroidFasset CardiOS, Android
- Daily spending limit
- XPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controlsFasset Card$2,000 per day
- Monthly spending limit
- XPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per monthFasset CardNot publicly disclosed
- ATM limit
- XPlace CardNot available while only the virtual card is liveFasset CardNot applicable; ATM cash advances unavailable
Funding & transfers
5 fields- Networks
- XPlace CardSolanaFasset CardNot disclosed
- Crypto deposits
- XPlace CardStablecoins: USDCFasset CardStablecoins: USDT
- Fiat deposits
- XPlace CardNot disclosedFasset CardNot disclosed
- Transfers
- XPlace CardStablecoin transfersFasset CardCard balance back to Fasset Wallet
- Payout currencies
- XPlace CardNot disclosedFasset CardNot disclosed
Rewards
3 fields- Base cashback
- XPlace Card0.5%Fasset CardNot disclosed
- Max cashback
- XPlace Card4%Fasset CardNot disclosed
- Reward currency
- XPlace CardUSDCFasset CardOWN points
Earn
5 fields- Advertised APY
- XPlace CardUp to 6.15% APYFasset CardNot offered
- How it works
- XPlace CardBorrow against collateral, Optional earn vaultFasset CardNot offered
- Separate deposit
- XPlace CardYesFasset CardNot offered
- Use balance for spending
- XPlace CardNoFasset CardNot offered
- Lock-up
- XPlace CardNoFasset CardNot offered
Trust & availability
5 fields- Custody
- XPlace CardHybrid custodyFasset CardCustodial
- Control until payment
- XPlace CardProvider controls fundsFasset CardProvider controls funds
- Card issuer
- XPlace CardThird NationalFasset CardThird National
- Card processing
- XPlace CardSignify Holdings, Inc. (Rain)Fasset CardNot disclosed
- Identity verification
- XPlace CardSumsubFasset CardNot disclosed
Sources
2 fields- Official sources
- XPlace Card26Fasset Card9
- Last reviewed
- XPlace CardAug 27, 2026Fasset CardAug 11, 2026
04 · The takeaway
XPlace Card is the stronger all-round choice
XPlace Card finishes ahead with an Overall Score of 68 versus 53 for Fasset Card. XPlace Card has the lower published FX fee (0–1% vs 3% non-USD FX; up to 3% cross-border may also apply). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Fasset Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. XPlace Card uses a hybrid custody setup, while Fasset Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
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 XPlace Card and Fasset Card reviews first.
Continue with
XPlace Card
Continue with
Fasset Card
05 · Common questions
XPlace vs Fasset FAQ
Is XPlace or Fasset better overall?
XPlace Card has the higher Overall Score (68 vs 53). 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 Fasset?
XPlace Card has the lower published FX fee (0–1% vs 3% non-USD FX; up to 3% cross-border may also apply). 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 Fasset?
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 Fasset differ on custody?
XPlace Card uses a hybrid custody setup, while Fasset 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 XPlace vs Fasset comparison?
The latest information check for these two cards was August 27, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.