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Cashi Card vs Tangem Pay

Tangem Pay scores higher on the G2M score: 62/100 against 43/100 (#16 and #29 of 31 cards). Pick Cashi Card for a lower FX fee; pick Tangem Pay for cashback, more countries and control of your funds.

Cashi Card43

#29 of 31 · 0% to 3% back · annual fee none

Get CashiRead the review
Tangem Pay62

#16 of 31 · 1% to 4% back · annual fee none

Get TangemRead the review

The short answer

  • Tangem Pay scores higher on the G2M score: 62/100 against 43/100 (#16 and #29 of 31 cards).
  • Tangem Pay pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 3% on Cashi Card and 4% on Tangem Pay.
  • Neither card has an annual fee.
  • Cashi Card charges less on foreign currency: a 1% FX fee against 1.5%.
  • Tangem Pay is confirmed in more countries: 50 against 0, though neither publishes a full list. Of the markets we check for every card, only Tangem Pay is confirmed in United States and UAE.
  • Cashi Card is custodial; Tangem Pay is self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Cashi Card
Tangem Pay
G2M score
43
62 (better)
Base cashback
0%
1% (better)
Max cashback
3%
4% (better)
Paid in
Spending credit
USDC
Annual fee
Free
Free
FX fee
1% (better)
1.5%
Top-up fee
0%
0%
Per-purchase fee
None listed
None listed
ATM
Not published
4% on Basic, 2% on Plus, 1% on Prestige
Network
Visa
Visa
Card type
Prepaid
Debit
Custody
Custodial
Self-custodial
Formats
virtual
virtual, physical, metal
Apple / Google Pay
No / Yes
? / ?
India
Unclear
Unclear
UAE
Unclear
Yes
United States
Unclear
Yes
United Kingdom
Unclear
Unclear
EU / EEA
Unclear
Unclear
Countries
App in 100+ countries; Cashi does not publish a card country list
Select regions worldwide
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
20 currencies
1 currency
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
Not confirmed
No
Yield on your balance
Not confirmed
No
Tiers
Cashi Card
Basic · Plus · Prestige
Perks
Personal USD account · Cash in and out in 20+ currencies · 3% on subscriptions, 2% online, 1% travel (capped)
Priority Pass lounges on Plus and Prestige · Welcome offer: 5% on your first $500 · 2 airport lounge visits a year · 8 airport lounge visits a year · Metal card

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Cashi Card or Tangem Pay?

Tangem Pay scores higher on the G2M score: 62/100 against 43/100 (#16 and #29 of 31 cards). Pick Cashi Card for a lower FX fee; pick Tangem Pay for cashback, more countries and control of your funds. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Cashi Card or Tangem Pay?

Neither card has an annual fee. Cashi Card charges less on foreign currency: a 1% FX fee against 1.5%.

Which pays more cashback, Cashi Card or Tangem Pay?

Tangem Pay pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 3% on Cashi Card and 4% on Tangem Pay.

Which works in more countries, Cashi Card or Tangem Pay?

Tangem Pay is confirmed in more countries: 50 against 0, though neither publishes a full list. Of the markets we check for every card, only Tangem Pay is confirmed in United States and UAE.

Who holds my funds with Cashi Card and Tangem Pay?

Cashi Card is custodial; Tangem Pay is self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.

Cashi Card vs Tangem Pay: fees, cashback and countries compared · G2M