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Tangem Pay

A self-custody Visa card that pays cashback in USDC. 3 plans, from free to $359.88 a year.

a month in

All amounts in US dollars

$20.00 a month

Advertised up to 2% , real cashback rate 1.0%, on the Basic plan

$20.00 cashback$0.00 card fees$0.00 FX and other fees

Go to Tangem Pay Card

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Pick a plan

  • Pays the most

    Basic

    Free, 1% on everything, up to $100 a month back

    $20.00 a month, 1.0%

  • Plus ($29.99/mo)

    $29.99 a month, 2% on everything, up to $300 a month back

    $10.01 a month, 0.5%

  • Plus (fee waived by spend or Yield Mode balance)

    Free, 2% on everything, up to $300 a month back

    To unlock: A $65,000 balance

    Or spend $4,500 a month instead

    Holding the balance never pays for itself, at any spend

    Doesn't pay for itself at this spend

Pays for itself means the tier pays you back more than this card's plans that need nothing held, even after the cost of holding. We count that cost as 15% a year of the tokens' value, or 4% a year of interest on any balance above a month of spending. Token prices come from CoinGecko.

What you keep as spend grows

0%1%2%$1k$2.5k$5k$7.5k$10kAdvertised: up to 2%1% at $2,000

Hover the line to see other amounts.

Effective rate after fees in the US, on the plan that pays most at each spend. Where the line turns down, a monthly cap has been reached.
Show as a table
Monthly spendWhat you keepPlan
$2501%Basic
$5001%Basic
$7501%Basic
$1,0001%Basic
$1,5001%Basic
$2,0001%Basic
$2,5001%Basic
$3,0001%Plus ($29.99/mo)
$4,0001.25%Plus ($29.99/mo)
$5,0002%Plus (fee waived by spend or Yield Mode balance)
$6,0002%Plus (fee waived by spend or Yield Mode balance)
$7,5002%Plus (fee waived by spend or Yield Mode balance)
$10,0002%Plus (fee waived by spend or Yield Mode balance)

Every fee

Yearly fee
None
FX fee
Visa exchange rate plus 1.5% on transactions in a currency other than USD (fee schedule applicable from 25 Sep 2026 and card terms effective 7 Sep 2026)
Conversion fee
No transaction fee. $30 fee to open a formal dispute
Topping up
USDC or USDT on Polygon, Base, BNB Smart Chain or Arbitrum, or a swap from the Tangem Wallet. US bank transfer by ACH ($1) or Fedwire ($11), both free on Plus
ATM withdrawals
4% of the amount on Basic, 2% on Plus. Contactless ATMs only, up to $250 per withdrawal and 3 withdrawals per 24 hours
Card issue
First virtual card free; each additional virtual card $5. Plastic card delivery costs $14.53 to $82.10 depending on the address, and the first plastic card is free on Plus. The help center describes ordering a plastic card, while the product page FAQ still says a physical card is not available yet
Monthly fee
Basic $0. Plus $29.99 a month, charged every 30 days from the card balance; Tangem's product page and help center say it is free with $4,500 of monthly spending (the product page also names $65,000 in Yield Mode)

Our own test

We're testing crypto cards with a week of everyday spending each from October and comparing what each card takes with the market rate. What this card actually charges will show here and in our Q4 report.

Where these numbers come from

Tangem Pay's published terms, checked 27 September 2026. Where sources disagree, we go with the less generous reading.

What's good and what to watch

Good

  • 1% USDC cashback on Basic with no monthly fee
  • 2% on Plus, with the $29.99 monthly fee waived at $4,500 of monthly spend
  • Self-custodial: the card balance sits in a smart contract account you control
  • Virtual Visa issued within minutes of KYC, with Apple Pay and Google Pay

Watch

  • 1.5% fee on every non-USD purchase, more than the 1% Basic cashback
  • Purchases under $30 earn no cashback
  • No cashback at utilities, telecoms, fuel pumps, insurance, education, parking and other excluded merchant categories
  • No cashback on in-store purchases at merchants in EU countries
  • Cashback is capped at $100 a month on Basic and $300 on Plus
  • Not open to residents of the EU, UK or Canada

At a glance

Network
Visa
Custody
self-custodial
Card type
credit
Form
virtual
Mobile wallets
✓ Apple Pay✓ Google Pay
Chains
PolygonBaseBNB Smart ChainArbitrum
Tokens
USDCUSDT
Availability
United States (30 states for personal cards), Australia, Japan, New Zealand, the Philippines and Singapore, 29 Latin American and Caribbean countries, Kenya, South Africa, Ghana, Nigeria (conditional approval), the UAE and Pakistan
Not offered in
Hong Kong, Indonesia, Israel, South Korea, Taiwan, Thailand, Turkey and Vietnam
KYC
Required (Sumsub ID checks for Paera and the issuer; US residents also give a Social Security Number)
Funding
USDC or USDT on Polygon, Base, BNB Smart Chain or ArbitrumSwap from the Tangem WalletUS bank transfer (ACH or Fedwire)
Spending limit
Daily $10,000 on Basic and $50,000 on Plus; at most 100 purchases a day and 1,000 a month
ATM limit
Up to $250 per withdrawal, 3 withdrawals per 24 hours, contactless ATMs only

Perks and benefits

  • Purchase protection
    Plus (Visa Signature): purchase protection up to $5,000 per event, extended warranty of up to 1 extra year and price protection up to $500 per item, per Tangem's help center
  • Offers & credits
    Plus: Visa Luxury Hotel Collection perks and Visa Signature auto rental cover
  • Idle-balance yield
    Yield Mode in the Tangem Wallet (not the card balance) supplies USDC, USDT or DAI to Aave at a variable rate, with a 15% service fee on the yield; $65,000 there waives the Plus fee according to the product page
Go to Tangem Pay Card

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General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates, terms change, and crypto is volatile.

Tangem PayGo to Tangem Pay Card

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