XPlaceXPlace
68
Side-by-side card comparison
XPlace vs Spritz: overall score versus use-case fit
XPlace Card has the higher Overall Score by 6 points (68 vs 62). XPlace Card looks stronger for Cashback, Travel, Funds control, and Lowest fees, while Spritz Card comes out ahead for Transfers.
Information checked Aug 28, 202667 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. Spritz Card may be the better fit for Transfers. 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.
OverallXPlace68Spritz62Higher score
CashbackXPlace49Spritz34Higher score
TravelXPlace61Spritz46Higher score
Funds controlXPlace67Spritz62Higher score
Lowest feesXPlace69Spritz44Higher score
TransfersXPlace62Spritz64Higher score
Choose XPlace Card if cashback and travel matter most
XPlace Card comes out ahead for Cashback, Travel, Funds control, 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
Choose Spritz Card if transfers matters most
Spritz Card comes out ahead for Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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
- XPlace68Spritz62
XPlace Card has the higher Overall Score by 6 points.
- Entry cost & FX
- XPlace$0 plan · 0–1% FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply 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
- XPlace0.5% base · up to 4%Spritz0% base · up to 5%
XPlace Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- XPlaceHybrid custodySpritzHybrid custody
XPlace Card and Spritz Card use the same hybrid custody setup.
- Everyday access
- XPlaceVirtual + Physical · Apple Pay, Google PaySpritzVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- XPlace2 stablecoins · Stablecoin transfersSpritz0 stablecoins · Wallet-to-bank Off-Ramp
XPlace Card lists more stablecoins and ways to send money out (3 vs 1).
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
- 0.5%-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
- 0%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 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
CardsXPlace CardOverall68Spritz CardOverall62
XPlace CardOverall68Spritz CardOverall62Scores
6 fields- Overall Score
- XPlace Card68Spritz Card62
- Cashback score
- XPlace Card49Spritz Card34
- Travel score
- XPlace Card61Spritz Card46
- Funds control score
- XPlace Card67Spritz Card62
- Lowest fees score
- XPlace Card69Spritz Card44
- Transfers score
- XPlace Card62Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- XPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published capsSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- XPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layersSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- XPlace Card$0Spritz Card$0
- FX fee
- XPlace Card0–1%Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- XPlace CardProvider fee not published; external network or bridge costs may apply and are not card feesSpritz Card1–3%
- Card spending fee
- XPlace Card0%Spritz Card0%
- ATM fee
- XPlace CardNot availableSpritz CardNot disclosed
- Virtual card
- XPlace CardNot disclosedSpritz CardNot disclosed
- Physical card
- XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.Spritz CardNot disclosed
Plans
2 fields- Available plans
- XPlace Card4 plans: Basic, Silver, Gold, PlatinumSpritz CardNot disclosed
- Top cashback plan
- XPlace CardPlatinum: 2%Spritz CardNot disclosed
Everyday use
8 fields- Network
- XPlace CardVisaSpritz CardVisa
- Card formats
- XPlace CardVirtual, PhysicalSpritz CardVirtual, Physical
- ATM withdrawals
- XPlace CardNot availableSpritz CardNot disclosed
- Mobile wallets
- XPlace CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- XPlace CardiOS, AndroidSpritz CardiOS
- Daily spending limit
- XPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controlsSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- XPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per monthSpritz CardNot disclosed
- ATM limit
- XPlace CardNot available while only the virtual card is liveSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- XPlace CardSolanaSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- XPlace CardStablecoins: USDCSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- XPlace CardNot disclosedSpritz CardNot disclosed
- Transfers
- XPlace CardStablecoin transfersSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- XPlace CardNot disclosedSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- XPlace Card0.5%Spritz Card0%
- Max cashback
- XPlace Card4%Spritz Card5%
- Reward currency
- XPlace CardUSDCSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- XPlace CardUp to 6.15% APYSpritz CardNot offered
- How it works
- XPlace CardBorrow against collateral, Optional earn vaultSpritz CardNot offered
- Separate deposit
- XPlace CardYesSpritz CardNot offered
- Use balance for spending
- XPlace CardNoSpritz CardNot offered
- Lock-up
- XPlace CardNoSpritz CardNot offered
Trust & availability
5 fields- Custody
- XPlace CardHybrid custodySpritz CardHybrid custody
- Control until payment
- XPlace CardProvider controls fundsSpritz CardProvider controls funds
- Card issuer
- XPlace CardThird NationalSpritz CardNot disclosed
- Card processing
- XPlace CardSignify Holdings, Inc. (Rain)Spritz CardRain
- Identity verification
- XPlace CardSumsubSpritz CardNot disclosed
Sources
2 fields- Official sources
- XPlace Card26Spritz Card41
- Last reviewed
- XPlace CardAug 27, 2026Spritz CardAug 28, 2026
04 · The trade-off
XPlace Card is the stronger all-round choice
XPlace Card finishes ahead with an Overall Score of 68 versus 62 for Spritz 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%).
Spritz Card still comes out ahead for Transfers, which may matter more than the overall result if that is how you plan to use the card. XPlace Card and Spritz Card use the same hybrid custody setup.
XPlace Card lists more stablecoins and ways to send money out (3 vs 1). 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 Spritz Card reviews first.
Continue with
XPlace Card
Continue with
Spritz Card
05 · Common questions
XPlace vs Spritz FAQ
Is XPlace or Spritz better overall?
XPlace Card has the higher Overall Score (68 vs 62). 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 Spritz?
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, XPlace or Spritz?
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 XPlace and Spritz differ on custody?
XPlace Card and Spritz Card use the same hybrid custody setup.
How current is this XPlace vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 67 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.