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Laso Finance Card vs Tangem Pay

Tangem Pay scores higher on the G2M score: 62/100 against 26/100 (#16 and #33 of 33 cards). Tangem Pay also comes out ahead on cashback, a lower FX fee, more countries and control of your funds.

Laso Finance Card26

#33 of 33 · 0% back · annual fee none

Get Laso FinanceRead the review
Tangem Pay62

#16 of 33 · 1% to 4% back · annual fee none

Get TangemRead the review

The short answer

  • Tangem Pay scores higher on the G2M score: 62/100 against 26/100 (#16 and #33 of 33 cards).
  • Tangem Pay pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 4% on Tangem Pay.
  • Neither card has an annual fee.
  • Tangem Pay charges less on foreign currency: a 1.5% FX fee against 2%.
  • Tangem Pay is confirmed in more countries: 50 against 1, though neither publishes a full list. Of the markets we check for every card, only Tangem Pay is confirmed in UAE.
  • Laso Finance Card is custodial; Tangem Pay is 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
Laso Finance Card
Tangem Pay
G2M score
26
62 (better)
Base cashback
0%
1% (better)
Max cashback
Not published
4%
Paid in
Not published
USDC
Annual fee
Free
Free
FX fee
2%
1.5% (better)
Top-up fee
3.8%
0% (better)
Per-purchase fee
None listed
None listed
ATM
Not published
4% on Basic, 2% on Plus, 1% on Prestige
Network
Visa
Visa
Card type
Prepaid
Debit
Custody
Custodial
Self-custodial
No ID check
Yes: US and international cards
ID needed or not stated
Formats
virtual
virtual, physical, metal
Apple / Google Pay
? / Yes
? / ?
India
Unclear
Unclear
UAE
Unclear
Yes
United States
Yes
Yes
United Kingdom
Unclear
Unclear
EU / EEA
Unclear
Unclear
Countries
US card for US merchants; international card for merchants worldwide, no published country list
Select regions worldwide
Bank account (IBAN or account number)
Not confirmed
In your name
Send money to a bank account
Not confirmed
1 currency
Buy and sell crypto with fiat
Sell only
Buy and sell
Spend against crypto without selling
No
No
Yield on your balance
Not confirmed
No
Tiers
International card · US card · Reloadable card
Basic · Plus · Prestige
Perks
No ID check for the US and international cards · Cards issued in seconds · Gift cards for 3,000+ brands; Venmo, PayPal and debit card payouts · AI agents can order cards through its API · Works with merchants worldwide
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, Laso Finance Card or Tangem Pay?

Tangem Pay scores higher on the G2M score: 62/100 against 26/100 (#16 and #33 of 33 cards). Tangem Pay also comes out ahead on cashback, a lower FX fee, 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, Laso Finance Card or Tangem Pay?

Neither card has an annual fee. Tangem Pay charges less on foreign currency: a 1.5% FX fee against 2%.

Which pays more cashback, Laso Finance Card or Tangem Pay?

Tangem Pay pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 4% on Tangem Pay.

Which works in more countries, Laso Finance Card or Tangem Pay?

Tangem Pay is confirmed in more countries: 50 against 1, though neither publishes a full list. Of the markets we check for every card, only Tangem Pay is confirmed in UAE.

Who holds my funds with Laso Finance Card and Tangem Pay?

Laso Finance Card is custodial; Tangem Pay is 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.