Does the XPlace Card have an annual fee?

No. The entry tier has no annual fee.

Is the XPlace Card custodial or non-custodial?

Non-custodial: your funds stay in a wallet you control until you pay.

Where can I get the XPlace Card?

Worldwide except 17 countries (including India, China, Turkey and Vietnam) and 19 US states. Confirmed in UAE, United States, United Kingdom, EU / EEA. Not available in India.

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#22 of 36VisaVaries by regionNon-custodial

XPlace Card

A Visa card from XPlace on Solana: spend USDC in Cash Mode, or borrow against BTC, ETH, SOL or tokenized stocks in Credit Mode. USDC cashback only in Credit Mode: 0.5% on the free plan, up to 2% on paid plans.

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Key facts

Cashback: 0.5% to 2% in USDC
Annual fee: Free
FX fee: Not published
Top-up fee: 0%
Per-purchase fee: None listed
ATM: Not published
Card types: virtual, physical
Mobile wallets: Apple Pay + Google Pay

Cashback: Only on Credit Mode purchases (borrowing against your deposits); Cash Mode earns no cashback. Basic 0.5% up to $10 cashback a month, Silver 1% up to $40, Gold 1.5% up to $100, Platinum 2% up to $250. Paid plans also earn 1% to 5% on hotel and flight bookings, plus XP points. No cashback on ATM, transfers, crypto, digital goods, telecom, electronics and some other categories.

FX: XPlace's help centre: Visa's 1% conversion fee plus an XPlace FX fee that falls with your membership plan (amounts not published); 0% on Platinum. The card terms list a 0% foreign transaction fee. The card settles in US dollars.

G2M score worldwide

57/100

Rewards3.6/25

Fees18/30

Coverage19/20

Ecosystem6/15

Control10/10

How the score works

Where it works

IndiaNot available
UAEAvailable
United StatesAvailable
United KingdomAvailable
EU / EEAAvailable

Worldwide except 17 countries (including India, China, Turkey and Vietnam) and 19 US states. Includes United States, United Kingdom, United Arab Emirates, Germany.

Countries

233 available17 not available

Check a country

Available in 233 countries

Europe 50

Åland Islands
Albania
Andorra
Austria
Belgium
Bosnia & Herzegovina
Bulgaria
Croatia
Cyprus
Czechia
Denmark
Estonia
Faroe Islands
Finland
France
Germany
Gibraltar
Greece
Guernsey
Hungary
Iceland
Ireland
Isle of Man
Italy
Jersey
Kosovo
Latvia
Liechtenstein
Lithuania
Luxembourg
Malta
Moldova
Monaco
Montenegro
Netherlands
North Macedonia
Norway
Poland
Portugal
Romania
San Marino
Serbia
Slovakia
Slovenia
Spain
Svalbard & Jan Mayen
Sweden
Switzerland
United Kingdom
Vatican City

Middle East 10

Bahrain
Jordan
Kuwait
Lebanon
Oman
Palestine
Qatar
Saudi Arabia
United Arab Emirates
Yemen

Asia 30

Afghanistan
Armenia
Azerbaijan
Bangladesh
Bhutan
British Indian Ocean Territory
Brunei
Cambodia
Georgia
Hong Kong
Indonesia
Japan
Kazakhstan
Kyrgyzstan
Laos
Macao
Malaysia
Maldives
Mongolia
Pakistan
Philippines
Singapore
South Korea
Sri Lanka
Taiwan
Tajikistan
Thailand
Timor-Leste
Turkmenistan
Uzbekistan

Africa 58

Algeria
Angola
Benin
Botswana
Burkina Faso
Burundi
Cameroon
Cape Verde
Central African Republic
Chad
Comoros
Congo
Côte d'Ivoire
Djibouti
DR Congo
Egypt
Equatorial Guinea
Eritrea
Eswatini
Ethiopia
Gabon
Gambia
Ghana
Guinea
Guinea-Bissau
Kenya
Lesotho
Liberia
Libya
Madagascar
Malawi
Mali
Mauritania
Mauritius
Mayotte
Morocco
Mozambique
Namibia
Niger
Nigeria
Réunion
Rwanda
São Tomé & Príncipe
Senegal
Seychelles
Sierra Leone
Somalia
South Africa
South Sudan
St. Helena
Sudan
Tanzania
Togo
Tunisia
Uganda
Western Sahara
Zambia
Zimbabwe

North America and the Caribbean 39

Anguilla
Antigua & Barbuda
Aruba
Bahamas
Barbados
Belize
Bermuda
British Virgin Islands
Canada
Caribbean Netherlands
Cayman Islands
Costa Rica
Curaçao
Dominica
Dominican Republic
El Salvador
Greenland
Grenada
Guadeloupe
Guatemala
Haiti
Honduras
Jamaica
Martinique
Mexico
Montserrat
Panama
Puerto Rico
Sint Maarten
St. Barthélemy
St. Kitts & Nevis
St. Lucia
St. Martin
St. Pierre & Miquelon
St. Vincent & Grenadines
Trinidad & Tobago
Turks & Caicos Islands
U.S. Virgin Islands
United States

South America 13

Argentina
Bolivia
Brazil
Chile
Colombia
Ecuador
Falkland Islands
French Guiana
Guyana
Paraguay
Peru
Suriname
Uruguay

Oceania 29

American Samoa
Australia
Christmas Island
Cocos (Keeling) Islands
Cook Islands
Fiji
French Polynesia
Guam
Heard & McDonald Islands
Kiribati
Marshall Islands
Micronesia
Nauru
New Caledonia
New Zealand
Niue
Norfolk Island
Northern Mariana Islands
Palau
Papua New Guinea
Pitcairn Islands
Samoa
Solomon Islands
Tokelau
Tonga
Tuvalu
U.S. Outlying Islands
Vanuatu
Wallis & Futuna

Antarctica 4

Antarctica
Bouvet Island
French Southern Territories
South Georgia & South Sandwich Islands

Not available in 17 countries

Belarus
China
Cuba
India
Iran
Iraq
Israel
Myanmar
Nepal
Nicaragua
North Korea
Russia
Syria
Türkiye
Ukraine
Venezuela
Vietnam

From XPlace Card's own country list.

Banking features

Bank account (IBAN or account number): Not confirmed
Send money to a bank account: Not confirmed
Buy and sell crypto with fiat: Not confirmed
Spend against crypto without selling: Yes
Yield on your balance: Yes
ID check for people living abroad: Not published
Citizens turned away: Not published

Tiers and plans

[ tier break-even ]

When a paid tier pays for itself against Basic (free), with its yearly fee and monthly cashback cap counted.

You need to spend at least $1,651 a month for Silver ($99/yr) to beat Basic (free).
You need to spend at least $2,051 a month for Gold ($249/yr) to beat Basic (free).
You need to spend at least $4,663 a month for Platinum ($999/yr) to beat Basic (free).

Tier	Cost per year	Cashback	Monthly cap	FX fee	How to get it	Perks
Basic	Free	0.5%	$10	Not published	Free; cashback only in Credit Mode	Spending up to $2,000 a month
Silver	$99	1%	$40	Not published	$99 a year	Spending up to $20,000 a month · 1% on hotel and flight bookings · 1 airport lounge visit a year · Physical card
Gold	$249	1.5%	$100	Not published	$249 a year	Spending up to $200,000 a month · 3% on hotel and flight bookings · 4 airport lounge visits and 2 fast tracks a year
Platinum	$999	2%	$250	0%	$999 a year	Spending up to $750,000 a month · No FX fee · 5% on hotel and flight bookings · Unlimited airport lounges, 5 fast tracks a year · VIP concierge and events

Real swipe receipt

What one purchase really costs on XPlace Card, with every fee and the cashback.

[ swipe receipt ]Try a $10 coffee, a $50 dinner or a $200 hotel on XPlace Card, in your own currency, and post the receipt on X.Open the receipt

What's good

Borrow against BTC, ETH, SOL or tokenized stocks instead of selling
Non-custodial: funds stay in your wallet or in Kamino
Apple Pay and Google Pay; the Basic plan is free

Watch out for

No cashback in Cash Mode; Basic earns 0.5%, capped at $10 a month
Not available in India and 16 other countries, or in 19 US states
Credit Mode borrowing can be liquidated if prices fall

More details

Other fees: Monthly spending limit: $2,000 Basic, $20,000 Silver, $200,000 Gold, $750,000 Platinum · Borrowing interest: variable, set by Kamino, shown in the app; no origination fee · Late payment up to $40; returned payment $29 · Physical card: Silver now, Gold and Platinum coming; price not published
Perks: Credit Mode: spend against crypto or tokenized stocks without selling · Yield on deposits through Kamino · Airport lounges and fast track on paid plans · 24/7 human support
Spend from: USDC, USDT, cbBTC, wETH, SOL, JitoSOL, xStocks
Issuer: Third National

Questions about the XPlace Card

Does the XPlace Card have an annual fee?: No. The entry tier has no annual fee.
How much cashback does the XPlace Card pay?: 0.5% to 2% back, paid in USDC.
Is the XPlace Card custodial or non-custodial?: Non-custodial: your funds stay in a wallet you control until you pay.
Where can I get the XPlace Card?: Worldwide except 17 countries (including India, China, Turkey and Vietnam) and 19 US states. Confirmed in UAE, United States, United Kingdom, EU / EEA. Not available in India.