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XPlace

by XPlace (operator undisclosed; Solana-native, Visa-issued) · Updated 2026-06-28

Get my XPlace Card
Marketed: 1.0%Your effective cashback: 0.7% ($33/mo) at $5,000/mo on the Silver plan
Cashback earned on your spend
$5,000 spent × 1.0%
1.0% on all spend (no cap)
$50/mo
Gross cashback per month
sum of the bands above, before fees
$50/mo
Annual cashback
$50/mo × 12 months
$600/yr
Fees subtracted (first-year view)
Annual membership fee
recurring cost to hold this plan
−$200/yr
Net cashback after fees
annual cashback minus all fees
$400/yr
Effective cashback rate
net ÷ your annual spend (0.7%)
0.7%

Based on your monthly spend, edit it on the home page.

At a glance

Network
Visa
Custody
self-custodial
Card type
credit
Form
Physical & virtual
Mobile wallets
✓ Apple Pay✓ Google Pay
Chains
SolanaEthereum (wrapped assets bridged)
Tokens
SOLjitoSOLUSDCUSDTwETHcbBTCBONKWIFJUPPYTH
Availability
160+ countries across Africa, Americas, Asia, Europe, Oceania (173 countries per cryptocardhub.com)
KYC
Required: passport or national ID + proof of residency; 1–5 min automated approval
Extra rewards
Airdrop upcoming · Points program
Funding
Crypto deposit (SOL, BTC, ETH, USDT, USDC)Bank transfer (USD, EUR, BRL; IBAN supported)Borrow Mode (credit line drawn at point of sale)
Spending limit
Basic: $25,000/mo ($5,000/tx); Silver: $50,000/mo ($10,000/tx); Gold: $250,000/mo ($25,000/tx); Platinum: $1,000,000/mo ($50,000/tx), per cryptocardhub.com; spendnode.io shows lower limits (Basic $2K, Silver $10K, Gold $200K, Platinum $750K), verify
ATM limit
ATM withdrawals not supported

Spend without sellingCredit Mode

Borrow USDC against your crypto via Kamino (non-custodial, no credit check, no origination fee) and spend it with no asset sale; you pay a variable Kamino borrow rate and risk liquidation if collateral falls (max LTV ~80% USDT / ~70% BTC-ETH / ~65% SOL). Solana-only.

Pros

  • Non-custodial: user keys, Kamino Finance smart contracts, XPlace cannot access funds
  • Earn yield on collateral while spending (SOL up to 6.15% APY; stablecoins up to 16% APY via Kamino)
  • No sell event / taxable event in Credit Mode: borrow against crypto, not sell
  • Dual spending modes (Credit Mode + Cash/Debit Mode with USDC)
  • 0% FX fee on Platinum tier; 0% transaction purchase fees across all tiers
  • Broad global acceptance: Visa, 160+ countries, Apple Pay / Google Pay
  • XP token airdrop upside: accumulation period live now ahead of Q4 2026 TGE

Cons

  • US availability unconfirmed/contested; verify before onboarding US users
  • Issuing entity/company not publicly disclosed; counterparty risk unknown
  • 2.5% origination fee on each Borrow Mode draw is a hidden cost on every credit purchase
  • Platinum annual fee ($5,000/yr) is among the highest in the crypto card market
  • XP token is speculative, no token exists yet; airdrop terms not finalized
  • Yield rates on collateral are variable and far below advertised maximums in practice (1.7–5.6% observed vs 16% headline)
  • ATM withdrawals not supported
  • Tier pricing is inconsistent across review sources; official fee schedule not publicly accessible
  • Cashback applies only in Credit Mode per cryptocardhub.com; Cash Mode may earn no rewards

Cashback plans

Fees

FX markup
1% (Basic), 0.5% (Silver), 0.25% (Gold), 0% (Platinum) per spendnode.io; cardpilled.com lists a flat 1% FX fee; verify against official fee schedule
ATM
Not supported. ATM cash advances not available
Spending (crypto→USD)
0% purchase fee; 2.5% one-time origination fee on Borrow Mode draws; 1% token swap fee; late payment 2% of balance (min $0, US) or up to $40 (international)
Funding / top-up
Bank transfer fee: 2% (Basic), declining to ~0.5% (Platinum) per spendnode.io; 0% gas cost per cardpilled.com (centralized top-ups)
Issuance
$0 (virtual); physical card included with paid tiers, no separate issuance fee confirmed
Monthly
$0 (fees are annual; see plans)

Perks & benefits

Get my XPlace Card

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Sources & how we verify this

VERIFY: (1) Exact tier annual fees ($200/$1K/$5K per cardpilled.com/kkinvesting vs $99/$249/$999 per spendnode.io); use official x.place app or pricing page. (2) US availability status: sources conflict; some list US as excluded, others note a US program excluding NY. (3) Cashback applicability in Cash Mode vs Credit Mode only. (4) Monthly reward caps not disclosed in any source reviewed. (5) Company/legal entity behind XPlace not disclosed publicly. (6) Spending limits vary significantly between sources; verify at x.place. All data sourced from third-party reviews and official documentation as of 2026-06-24.

Card terms are researched and illustrative, so always confirm the latest with the issuer. Nothing here is financial advice.

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