XPlace
A self-custody Visa card that pays cashback in USDC. 4 plans, from free to $999 a year. No FX fee on US dollars. Other currencies cost 2% on Basic, 1.5% on Silver, 1.25% on Gold and 1% on Platinum.
Short answer: At $2,000 a month in the US, XPlace pays back $11.75 a month after fees and FX. That’s a real cashback rate of 0.6%, against an advertised rate of up to 2%. We haven’t tested it with our own purchases yet.
Terms checked How we work it out
- Visa
- Credit
- Apple Pay and Google Pay
- Cashback in stablecoins
- Self-custody
- Free plan
- Airport lounges
- Subscription deals
- Earn on your balance
- Borrow against crypto
All amounts in US dollars
$11.75 a month
Advertised up to 2% , real cashback rate 0.6%, on the Silver plan
$20.00 cashback$8.25 card fees$0.00 FX and other fees
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Pick a plan
XPlace has four plans: Basic, Silver, Gold and Platinum.
- Basic is free and pays 0.5% on everything.
- Silver costs $99 a year and pays 1% on everything.
- Gold costs $249 a year and pays 1.5% on everything.
- Platinum costs $999 a year and pays 2% on everything.
The FX fee on purchases outside US dollars is 2% on Basic, 1.5% on Silver, 1.25% on Gold and 1% on Platinum. At $2,000 a month in the US, Silver pays back the most of the four.
Basic
Free, 0.5% on everything, up to $10 a month back
$10.00 a month, 0.5%
- Pays the most
Silver
$99 a year, 1% on everything, up to $40 a month back
$11.75 a month, 0.6%
Gold
$249 a year, 1.5% on everything, up to $100 a month back
$9.25 a month, 0.5%
Platinum
$999 a year, 2% on everything, up to $250 a month back
−$43.25 a month, −2.2%
What you keep as spend grows
Hover the line to see other amounts.
Show as a table
| Monthly spend | What you keep | Plan |
|---|---|---|
| $250 | 0.5% | Basic |
| $500 | 0.5% | Basic |
| $750 | 0.5% | Basic |
| $1,000 | 0.5% | Basic |
| $1,500 | 0.5% | Basic |
| $2,000 | 0.59% | Silver |
| $2,500 | 0.67% | Silver |
| $3,000 | 0.81% | Gold |
| $4,000 | 0.98% | Gold |
| $5,000 | 1.08% | Gold |
| $6,000 | 1.15% | Gold |
| $7,500 | 1.06% | Gold |
| $10,000 | 1.17% | Platinum |
Every fee
Basic is free. Silver costs $99 a year, Gold $249 and Platinum $999. Outside US dollars, spending costs 1.3% to 2.3% depending on the plan, Visa’s exchange rate included.
- Yearly fee
- $99, $249 or $999Depends on the plan
- FX fee
- 1% (Basic), 0.5% (Silver), 0.25% (Gold), 0% (Platinum) per XPlace's terms. XPlace's docs say Visa's 1% applies on top; the terms and card terms don't show it, so we use the terms' figures
- Conversion fee
- 0% card transaction fee on all tiers. The terms also name a Credit Mode Fee on Credit Mode borrowing but publish no amount. Late payment 2% of balance (US card terms) or up to $40 (international), returned payment up to $29 (international)
- Topping up
- Bank transfer fee by tier: 2% (Basic), 1.5% (Silver), 1% (Gold), 0.5% (Platinum). Token swaps: 1% / 0.9% / 0.7% / 0.5%. The terms also name a Bridge Deposit Fee on multi-chain deposits but publish no amount
- ATM withdrawals
- Not supported: the card terms allow no cash advances (the x.place homepage FAQ mentions ATMs, which the terms do not back)
- Card issue
- $0 (virtual). Physical cards can be ordered on Silver; Gold and Platinum physical cards are 'coming soon' per x.place. No issuance fee is published
- Monthly fee
- $0 (fees are annual only; x.place says there is no monthly option)
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
XPlace's published terms, checked . Where sources disagree, we go with the less generous reading.
- XPlace terms and conditions (fees and cashback in section 6)Terms
- XPlace docs: cashbackHelp center
- XPlace docs: membershipHelp center
- XPlace docs: about the card (FX)Help center
- XPlace cashback pageOfficial site
- XPlace membership pageOfficial site
- XPlace card pageOfficial site
What changed on this card
- Cash back only in Credit modeXPlace's docs and cashback page were revised on 13 Sep 2026 and its home page showed the new rates on 14 Sep. Cash mode now pays no cash back, only XP points with no cash value. USDC cash back needs Credit mode, which borrows against your crypto, and was halved to 0.5% / 1% / 1.5% / 2% by tier (it was 1% to 4%), capped at $10 / $40 / $100 / $250 a month. Two review sites say existing paid members keep the old rates for up to 12 months; XPlace hasn't published that.XPlace docs: cashbackCosts more
What's good and what to watch
Good
- Non-custodial: user keys, Kamino Finance smart contracts, XPlace cannot access funds
- Earn variable yield on collateral via Kamino while spending (x.place listed SOL 6.15% and USDT 3.26% APY on 28 Sep 2026)
- No sell event / taxable event in Credit Mode: borrow against crypto, not sell
- Dual spending modes (Credit Mode + Cash/Debit Mode with USDC)
- XPlace's own FX fee falls by tier: 1% (Basic), 0.5% (Silver), 0.25% (Gold), 0% (Platinum); 0% purchase fees on all tiers
- Broad global acceptance: Visa, 160+ countries, Apple Pay / Google Pay
- XP points accrue on genuine spend, a free option if a token ever materializes
Watch
- US program exists but 19 states are excluded from issuance (and the T&Cs separately list NY/TX as restricted)
- Cash Mode (spending your own USDC) pays no cash back, only XP points, which the terms say have no cash value
- USDC cash back (0.5% to 2% by tier) is paid only in Credit Mode, which means borrowing against crypto collateral at a variable Kamino rate
- Credit Mode cash back is capped at $10 / $40 / $100 / $250 a month by tier
- FX of 2% / 1.5% / 1.25% / 1% by tier: XPlace's own fee plus Visa's 1%, which its help docs say applies on top (its terms show only XPlace's part), so check your first foreign purchase
- Credit Mode purchases are a loan, so interest (variable, not included in our figures) comes out of the cash back
- XPlace's own documents disagree: the terms (dated 20 May 2026) still show the older, higher cashback table and a lower Gold spending limit than the website
- Subscriptions, electronics and telecom (MCC 5815-5818, 5732, 5045, 4812, 4814) earn no cash back
- Gold and Platinum physical cards are not yet available
- No token exists and XPlace's terms disclaim any allocation or launch date
- Yield rates on collateral are variable and far below advertised maximums in practice (1.7% to 5.6% observed vs 16% headline)
- ATM withdrawals not supported
- Annual fees are non-refundable and renew yearly
Borrow against your crypto (credit)Credit 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.
It's a loan: rates vary, and your collateral can be liquidated if prices fall.
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)
- Not offered in
- Israel and Turkey
- KYC
- Required: passport or national ID + proof of residency; 1–5 min automated approval
- Extra rewards
- Unconfirmed token plans (not in the rate) · 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 $2,000 / Silver $10,000 / Gold $50,000 / Platinum $750,000 a month, and $1,000 / $3,000 / $10,000 / $25,000 per transaction (terms). The x.place pages show higher limits (Silver up to $20,000, Gold $200,000); the lower terms figures are used
- ATM limit
- ATM withdrawals not supported
Perks and benefits
- Lounge accessTier-gated: Silver 1 visit/yr, Gold 4/yr + 2 fast-track, Platinum unlimited (1,300+ lounges) + 5 fast-track
- ConciergeTiered concierge: Standard (Silver), Fast-track (Gold), VIP Priority (Platinum)
- Offers & creditsHotels and flights booking cashback of 1% (Silver), 3% (Gold), 5% (Platinum) per the docs, which don't say whether it needs Credit Mode; Platinum events and dining offers
- Idle-balance yieldIdle/collateral earns daily yield via Kamino (up to ~12%, variable)
Compare it and read more
Compare XPlace
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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.
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