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XPlace

by XPlace (operator undisclosed; Solana-native, Visa-issued)

Get my XPlace
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.

Custody
self-custodial
Type
credit
Regions
160+ countries across Africa, Americas, Asia, Europe, Oceania — 173 countries per cryptocardhub.com
Extra rewards
Airdrop upcoming · Points program
Rewards detail
XP loyalty points earned on all card spending (1% Basic → 10% Platinum multiplier), deposits, and referrals. XP token TGE confirmed Q4 2026; 5% of supply to ecosystem partners, 2.5% to NFT communities/DAOs. No token issued as of 2026-06-24 — XP are points only. Referral program: up to $250 per referral + 1% of referred user's transaction activity (15–25% commission per tier). Travel/hotel cashback for Silver+: 1% (Silver), 3% (Gold), 5% (Platinum). Platinum includes 24/7 human concierge, 1,400+ airport lounges (12x/yr), and private events.

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

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
Get my XPlace

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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. · Last updated 2026-06-28