[ head to head ]

Hyperbeat Pay Card vs XPlace Card

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

Hyperbeat Pay Card22

#36 of 36 · 0.2% to 12% back · annual fee Not published

Get Hyperbeat 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 22/100 (#22 and #36 of 36 cards).
XPlace Card pays more cashback on its entry tier: 0.5% against 0.2%. Higher tiers go up to 12% on Hyperbeat Pay Card and 2% on XPlace Card.
XPlace Card has no annual fee; Hyperbeat Pay Card does not publish its annual fee.
Neither card publishes its FX fee.
XPlace Card is confirmed in more countries: 233 against 1, though neither publishes a full list. Of the markets we check for every card, only XPlace Card is confirmed in United Kingdom, EU / EEA and UAE.
Both are 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

Hyperbeat Pay Card

XPlace Card

G2M score

Base cashback

0.2%

0.5%

Max cashback

12%

Paid in

WHYPE

USDC

Annual fee

Not published

Free

FX fee

Not published

Top-up fee

Not published

Per-purchase fee

None listed

ATM

Not published

Network

Visa

Card type

Varies by region

Custody

Non-custodial

Sign-up bonus (G2M link)

None published

No ID check

ID needed or not stated

Formats

virtual

virtual, physical

Apple / Google Pay

? / ?

Yes / Yes

India

Unclear

UAE

Unclear

Yes

United States

Yes

United Kingdom

Unclear

Yes

EU / EEA

Unclear

Yes

Countries

Worldwide except sanctioned countries (Cuba, Iran, North Korea, Sudan, Syria) and Ontario, Canada; US residents under a separate US card agreement; no full country list

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

Bank account (IBAN or account number)

Not confirmed

Send money to a bank account

Not confirmed

Buy and sell crypto with fiat

Buy and sell

Not confirmed

Spend against crypto without selling

Yes

Yield on your balance

Yes

Tiers

Everyday · All boosters · Trader $1M · Trader $5M

Basic · Silver · Gold · Platinum

Perks

Credit Mode: spend against BTC, ETH, SOL or HYPE without selling · Savings, trading and card in one non-custodial account · Virtual card now, physical card waitlist · Four boosters add 0.2% each: hold $1,000 or $10,000, spend $1,000 or $10,000 in 30 days

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 4 Nov 2026; see each card's review for its sources.

Questions

Which is better, Hyperbeat Pay Card or XPlace Card?

XPlace Card scores higher on the G2M score: 57/100 against 22/100 (#22 and #36 of 36 cards). XPlace Card also comes out ahead on cashback and 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, Hyperbeat Pay Card or XPlace Card?

XPlace Card has no annual fee; Hyperbeat Pay Card does not publish its annual fee. Neither card publishes its FX fee.

Which pays more cashback, Hyperbeat Pay Card or XPlace Card?

XPlace Card pays more cashback on its entry tier: 0.5% against 0.2%. Higher tiers go up to 12% on Hyperbeat Pay Card and 2% on XPlace Card.

Which works in more countries, Hyperbeat Pay Card or XPlace Card?

XPlace Card is confirmed in more countries: 233 against 1, though neither publishes a full list. Of the markets we check for every card, only XPlace Card is confirmed in United Kingdom, EU / EEA and UAE.

Who holds my funds with Hyperbeat Pay Card and XPlace Card?

Both are 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.