[ head to head ]

Kite Card vs XPlace Card

XPlace Card scores higher on the G2M score: 57/100 against 51/100 (#22 and #24 of 36 cards). XPlace Card also comes out ahead on cashback and more countries.

Kite Card51

#24 of 36 · 0% to 5% back · annual fee none

Get Kite 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 51/100 (#22 and #24 of 36 cards).
XPlace Card pays more cashback on its entry tier: 0.5% against 0%. Higher tiers go up to 5% on Kite Card and 2% on XPlace Card.
Neither card has an annual fee.
Kite Card charges 1.8% on foreign currency; XPlace Card does not publish its FX fee.
Kite Card lists 9 countries where it works; XPlace Card does not publish a full country list (233 confirmed so far). Of the markets we check for every card, only XPlace Card is confirmed in United States, 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

Kite Card

XPlace Card

G2M score

Base cashback

0.5%

Max cashback

Paid in

USD

USDC

Annual fee

Free

FX fee

1.8%

Not published

Top-up fee

Per-purchase fee

None listed

ATM

Coming soon

Not published

Network

Visa

Card type

Prepaid

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

UAE

Yes

United States

Yes

United Kingdom

Yes

EU / EEA

Yes

Countries

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

17 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

Kite Card

Basic · Silver · Gold · Platinum

Perks

Non-custodial Kite wallet · USD account to receive ACH and wires · Cash out to banks in 17 countries · 5% back on Grab, Travala, streaming, AI and creator subscriptions and Starlink until 30 Nov 2026 (no cap)

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

Questions

Which is better, Kite Card or XPlace Card?

XPlace Card scores higher on the G2M score: 57/100 against 51/100 (#22 and #24 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, Kite Card or XPlace Card?

Neither card has an annual fee. Kite Card charges 1.8% on foreign currency; XPlace Card does not publish its FX fee.

Which pays more cashback, Kite Card or XPlace Card?

XPlace Card pays more cashback on its entry tier: 0.5% against 0%. Higher tiers go up to 5% on Kite Card and 2% on XPlace Card.

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

Kite Card lists 9 countries where it works; XPlace Card does not publish a full country list (233 confirmed so far). 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 Kite 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.