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DogPay Card vs XPlace Card

XPlace Card scores higher on the G2M score: 57/100 against 36/100 (#22 and #33 of 36 cards). XPlace Card also comes out ahead on cashback, more countries and control of your funds.

DogPay Card36

#33 of 36 · Not published back · annual fee none

Get DogPayRead the review
XPlace Card57

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

Get XPlaceRead the review

The short answer

  • XPlace Card scores higher on the G2M score: 57/100 against 36/100 (#22 and #33 of 36 cards).
  • XPlace Card pays 0.5% cashback on its entry tier; DogPay Card does not publish a rate. Higher tiers go up to 2% on XPlace Card.
  • Neither card has an annual fee.
  • DogPay Card charges 0.5% 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.
  • DogPay 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

Detail
DogPay Card
XPlace Card
G2M score
36
57 (better)
Base cashback
Not published
0.5%
Max cashback
Not published
2%
Paid in
Not published
USDC
Annual fee
Free
Free
FX fee
0.5%
Not published
Top-up fee
1%
0% (better)
Per-purchase fee
1% + $0.3
None listed
ATM
Physical card at supported ATMs; fee not published
Not published
Network
Visa / Mastercard
Visa
Card type
Prepaid
Varies by region
Custody
Custodial
Non-custodial
Sign-up bonus (G2M link)
None published
None published
No ID check
ID needed or not stated
ID needed or not stated
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
No
UAE
Unclear
Yes
United States
Unclear
Yes
United Kingdom
Unclear
Yes
EU / EEA
Unclear
Yes
Countries
Depends on your region and identity checks; no country list published
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
1 currency
Not confirmed
Buy and sell crypto with fiat
Sell only
Not confirmed
Spend against crypto without selling
Not confirmed
Yes
Yield on your balance
Yes
Yes
Tiers
Basic · Premium · Platinum · Ultra
Basic · Silver · Gold · Platinum
Perks
Personal USD account (ACH, Fedwire, SWIFT) · 6% a year on stablecoins (Earn) · Card top-up fee 1% · $10 per virtual card · Up to 2 cards
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 28 Oct 2026; see each card's review for its sources.

Questions

Which is better, DogPay Card or XPlace Card?

XPlace Card scores higher on the G2M score: 57/100 against 36/100 (#22 and #33 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, DogPay Card or XPlace Card?

Neither card has an annual fee. DogPay Card charges 0.5% on foreign currency; XPlace Card does not publish its FX fee.

Which pays more cashback, DogPay Card or XPlace Card?

XPlace Card pays 0.5% cashback on its entry tier; DogPay Card does not publish a rate. Higher tiers go up to 2% on XPlace Card.

Which works in more countries, DogPay 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 DogPay Card and XPlace Card?

DogPay 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.