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Ethena Pay vs Tangem Pay

Ethena Pay scores higher on the G2M score: 83/100 against 62/100 (#1 and #15 of 26 cards). Pick Ethena Pay for cashback and a lower FX fee; pick Tangem Pay for more countries.

Ethena Pay83

#1 of 26 · 4% to 5% back · annual fee none

Get EthenaRead the review
Tangem Pay62

#15 of 26 · 1% to 4% back · annual fee none

Get TangemRead the review

The short answer

  • Ethena Pay scores higher on the G2M score: 83/100 against 62/100 (#1 and #15 of 26 cards).
  • Ethena Pay pays more cashback on its entry tier: 4% against 1%. Higher tiers go up to 5% on Ethena Pay and 4% on Tangem Pay.
  • Neither card has an annual fee.
  • Ethena Pay charges less on foreign currency: a 1% FX fee against 1.5%.
  • Ethena Pay lists 48 countries where it works; Tangem Pay does not publish a full country list (50 confirmed so far). Of the markets we check for every card, only Tangem Pay is confirmed in United States.
  • Both are 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
Ethena Pay
Tangem Pay
G2M score
83 (better)
62
Base cashback
4% (better)
1%
Max cashback
5% (better)
4%
Paid in
AVAX, daily
USDC
Annual fee
Free
Free
FX fee
1% (better)
1.5%
Top-up fee
0%
0%
Per-purchase fee
None listed
None listed
ATM
$1 + 0.65% per withdrawal
4% on Basic, 2% on Plus, 1% on Prestige
Network
Visa
Visa
Card type
Spend
Debit
Custody
Self-custodial
Self-custodial
Formats
virtual
virtual, physical, metal
Apple / Google Pay
Yes / Yes
? / ?
India
No
Unclear
UAE
Yes
Yes
United States
No
Yes
United Kingdom
No
Unclear
EU / EEA
No
Unclear
Countries
48
Select regions worldwide
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
Not confirmed
1 currency
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
No
No
Yield on your balance
Yes
No
Tiers
Standard · Pro · VIP
Basic · Plus · Prestige
Perks
Works on Arbitrum, Ethereum, Optimism and Polygon · 5% a year on your balance, up to $5,000, paid daily in USDe · 6% a year on your balance, up to $100,000, paid daily in USDe · 6% a year on your balance, up to $1,000,000, paid daily in USDe
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, Ethena Pay or Tangem Pay?

Ethena Pay scores higher on the G2M score: 83/100 against 62/100 (#1 and #15 of 26 cards). Pick Ethena Pay for cashback and a lower FX fee; pick Tangem Pay for more countries. 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, Ethena Pay or Tangem Pay?

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

Which pays more cashback, Ethena Pay or Tangem Pay?

Ethena Pay pays more cashback on its entry tier: 4% against 1%. Higher tiers go up to 5% on Ethena Pay and 4% on Tangem Pay.

Which works in more countries, Ethena Pay or Tangem Pay?

Ethena Pay lists 48 countries where it works; Tangem Pay does not publish a full country list (50 confirmed so far). Of the markets we check for every card, only Tangem Pay is confirmed in United States.

Who holds my funds with Ethena Pay and Tangem Pay?

Both are 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.