[ head to head ]

Cashi Card vs XPlace Card

XPlace Card scores higher on the G2M score: 57/100 against 43/100 (#22 and #31 of 36 cards). XPlace Card also comes out ahead on cashback, more countries and control of your funds.

Cashi Card43

#31 of 36 · 0% to 3% back · annual fee none

Get Cashi Read the review

XPlace Card57

#22 of 36 · 0.5% to 2% back · annual fee none

Get XPlace Read the review

The short answer

XPlace Card scores higher on the G2M score: 57/100 against 43/100 (#22 and #31 of 36 cards).
XPlace Card pays more cashback on its entry tier: 0.5% against 0%. Higher tiers go up to 3% on Cashi Card and 2% on XPlace Card.
Neither card has an annual fee.
Cashi Card charges 1% on foreign currency; XPlace Card does not publish its FX fee.
XPlace Card is confirmed in more countries: 233 against 0, though neither publishes a full list. Of the markets we check for every card, only XPlace Card is confirmed in United States, United Kingdom, EU / EEA and UAE.
Cashi Card is custodial; XPlace Card is non-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

Cashi Card

XPlace Card

G2M score

Base cashback

0.5%

Max cashback

Paid in

Spending credit

USDC

Annual fee

Free

FX fee

Not published

Top-up fee

Per-purchase fee

None listed

ATM

Not published

Network

Visa

Card type

Prepaid

Varies by region

Custody

Custodial

Non-custodial

Sign-up bonus (G2M link)

None published

No ID check

ID needed or not stated

Formats

virtual

virtual, physical

Apple / Google Pay

No / Yes

Yes / Yes

India

Unclear

UAE

Unclear

Yes

United States

Unclear

Yes

United Kingdom

Unclear

Yes

EU / EEA

Unclear

Yes

Countries

App in 100+ countries; Cashi does not publish a card country list

Worldwide except 17 countries (including India, China, Turkey and Vietnam) and 19 US states

Bank account (IBAN or account number)

In your name

Not confirmed

Send money to a bank account

20 currencies

Not confirmed

Buy and sell crypto with fiat

Buy and sell

Not confirmed

Spend against crypto without selling

Not confirmed

Yes

Yield on your balance

Not confirmed

Yes

Tiers

Cashi Card

Basic · Silver · Gold · Platinum

Perks

Personal USD account · Cash in and out in 20+ currencies · 3% on subscriptions, 2% online, 1% travel (capped)

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 · Spending up to $2,000 a month

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 29 Oct 2026; see each card's review for its sources.

Questions

Which is better, Cashi Card or XPlace Card?

XPlace Card scores higher on the G2M score: 57/100 against 43/100 (#22 and #31 of 36 cards). XPlace Card also comes out ahead on 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 XPlace Card?

Neither card has an annual fee. Cashi Card charges 1% on foreign currency; XPlace Card does not publish its FX fee.

Which pays more cashback, Cashi Card or XPlace Card?

XPlace Card pays more cashback on its entry tier: 0.5% against 0%. Higher tiers go up to 3% on Cashi Card and 2% on XPlace Card.

Which works in more countries, Cashi Card or XPlace Card?

XPlace Card is confirmed in more countries: 233 against 0, though neither publishes a full list. Of the markets we check for every card, only XPlace Card is confirmed in United States, United Kingdom, EU / EEA and UAE.

Who holds my funds with Cashi Card and XPlace Card?

Cashi Card is custodial; XPlace Card is non-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.