XPlaceXPlace
68
Side-by-side card comparison
XPlace vs 1inch: fees, rewards and account setup
1inch Card has the higher Overall Score by 11 points (79 vs 68). 1inch Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where XPlace Card may still be the better personal fit.
Information checked Aug 31, 202639 official sources reviewed
01 · Make the first cut
1inch Card is the better all-round starting point
1inch Card has the higher Overall Score in this comparison. XPlace 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.
OverallXPlace681inch79Higher score
CashbackXPlace491inch63Higher score
TravelXPlace611inch82Higher score
Funds controlXPlace671inch80Higher score
Lowest feesXPlace691inch74Higher score
TransfersXPlace621inch93Higher score
Choose XPlace Card if its day-to-day setup suits you
XPlace 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.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
Choose 1inch Card if cashback and travel matter most
1inch 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.
- Physical, virtual and ATM access
- Both major phone wallets
- Cashback in four crypto assets
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
- XPlace681inch79
1inch Card has the higher Overall Score by 11 points.
- Entry cost & FX
- XPlace$0 plan · 0–1% FX1inch$0 plan · 0% provider FX markup; Mastercard rate applies FX
1inch Card has the lower published FX fee (0% provider FX markup; Mastercard rate applies vs 0–1%).
- Purchase rewards
- XPlace0.5% base · up to 4%1inch1% base · up to 2%
1inch Card has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- XPlaceHybrid custody1inchHybrid custody
XPlace Card and 1inch Card use the same hybrid custody setup.
- Everyday access
- XPlaceVirtual + Physical · Apple Pay, Google Pay1inchVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- XPlace2 stablecoins · Stablecoin transfers1inch1 stablecoin · Stablecoin transfers; EUR or GBP bank withdrawal
Both cards list the same number of stablecoins and ways to send money out.
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
- 1%-2%
- Plan cost
- $0
- FX fee
- 0% provider FX markup; Mastercard rate applies
- ATM fee
- €2.50 UK; €3 + 1.5% outside UK
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 9 crypto · 2 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 CardOverall681inch CardOverall79
XPlace CardOverall681inch CardOverall79Scores
6 fields- Overall Score
- XPlace Card681inch Card79
- Cashback score
- XPlace Card491inch Card63
- Travel score
- XPlace Card611inch Card82
- Funds control score
- XPlace Card671inch Card80
- Lowest fees score
- XPlace Card691inch Card74
- Transfers score
- XPlace Card621inch Card93
Strengths & trade-offs
2 fields- Strengths
- XPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published caps1inch CardPhysical, virtual and ATM access, Both major phone wallets
- Trade-offs
- XPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layers1inch CardPurchase fee stack is unclear, Card funds leave self-custody
Costs
7 fields- Plan cost
- XPlace Card$01inch Card$0
- FX fee
- XPlace Card0–1%1inch Card0% provider FX markup; Mastercard rate applies
- Top-up fee
- XPlace CardProvider fee not published; external network or bridge costs may apply and are not card fees1inch CardEUR/GBP provider-account bank deposit: 0%
- Card spending fee
- XPlace Card0%1inch Card2%
- ATM fee
- XPlace CardNot available1inch Card€2.50 UK; €3 + 1.5% outside UK
- Virtual card
- XPlace CardNot disclosed1inch CardNot disclosed
- Physical card
- XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.1inch CardNot disclosed
Plans
2 fields- Available plans
- XPlace Card4 plans: Basic, Silver, Gold, Platinum1inch CardNot disclosed
- Top cashback plan
- XPlace CardPlatinum: 2%1inch CardNot disclosed
Everyday use
8 fields- Network
- XPlace CardVisa1inch CardMastercard
- Card formats
- XPlace CardVirtual, Physical1inch CardVirtual, Physical
- ATM withdrawals
- XPlace CardNot available1inch CardAvailable
- Mobile wallets
- XPlace CardApple Pay, Google Pay1inch CardApple Pay, Google Pay
- Apps
- XPlace CardiOS, Android1inch CardiOS, Android
- Daily spending limit
- XPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controls1inch CardAccount-specific in Profile
- Monthly spending limit
- XPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per month1inch CardAccount-specific in Profile
- ATM limit
- XPlace CardNot available while only the virtual card is live1inch CardAccount-specific in Profile
Funding & transfers
5 fields- Networks
- XPlace CardSolana1inch CardBitcoin, Litecoin, XRP Ledger, Ethereum, Solana
- Crypto deposits
- XPlace CardStablecoins: USDC1inch CardOther crypto: BTC, LTC, XRP or supported Ethereum/Solana assets
- Fiat deposits
- XPlace CardNot disclosed1inch CardEUR or GBP bank deposit
- Transfers
- XPlace CardStablecoin transfers1inch CardStablecoin transfers; EUR or GBP bank withdrawal
- Payout currencies
- XPlace CardNot disclosed1inch CardEUR, GBP
Rewards
3 fields- Base cashback
- XPlace Card0.5%1inch Card1%
- Max cashback
- XPlace Card4%1inch Card2%
- Reward currency
- XPlace CardUSDC1inch Card1INCH, USDT, BTC or BXX
Earn
5 fields- Advertised APY
- XPlace CardUp to 6.15% APY1inch CardNot offered
- How it works
- XPlace CardBorrow against collateral, Optional earn vault1inch CardNot offered
- Separate deposit
- XPlace CardYes1inch CardNot offered
- Use balance for spending
- XPlace CardNo1inch CardNot offered
- Lock-up
- XPlace CardNo1inch CardNot offered
Trust & availability
6 fields- Custody
- XPlace CardHybrid custody1inch CardHybrid custody
- Control until payment
- XPlace CardProvider controls funds1inch CardProvider controls funds
- Card issuer
- XPlace CardThird National1inch CardMonavate Ltd, UAB Monavate
- Card processing
- XPlace CardSignify Holdings, Inc. (Rain)1inch CardCrypto Life
- Custody / key management
- XPlace CardNot disclosed1inch CardBaanx
- Identity verification
- XPlace CardSumsub1inch CardNot disclosed
Sources
2 fields- Official sources
- XPlace Card261inch Card13
- Last reviewed
- XPlace CardAug 27, 20261inch CardAug 31, 2026
04 · The takeaway
1inch Card is the stronger all-round choice
1inch Card finishes ahead with an Overall Score of 79 versus 68 for XPlace Card. 1inch Card has the lower published FX fee (0% provider FX markup; Mastercard rate applies vs 0–1%). 1inch Card has the higher published base cashback rate (1% vs 0.5%).
XPlace Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. XPlace Card and 1inch 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 XPlace Card and 1inch Card reviews first.
Continue with
XPlace Card
Continue with
1inch Card
05 · Common questions
XPlace vs 1inch FAQ
Is XPlace or 1inch better overall?
1inch Card has the higher Overall Score (79 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, XPlace or 1inch?
1inch Card has the lower published FX fee (0% provider FX markup; Mastercard rate applies vs 0–1%). 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 1inch?
1inch 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 XPlace and 1inch differ on custody?
XPlace Card and 1inch Card use the same hybrid custody setup.
How current is this XPlace vs 1inch comparison?
The latest information check for these two cards was August 31, 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.