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Laso Finance Card vs XPlace Card

XPlace Card scores higher on the G2M score: 57/100 against 26/100 (#22 and #35 of 36 cards). XPlace Card also comes out ahead on cashback, more countries and control of your funds.

Laso Finance Card26

#35 of 36 · 0% back · annual fee none

Get Laso FinanceRead 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 26/100 (#22 and #35 of 36 cards).
  • XPlace Card pays more cashback on its entry tier: 0.5% against 0%. Higher tiers go up to 2% on XPlace Card.
  • Neither card has an annual fee.
  • Laso Finance Card charges 2% on foreign currency; XPlace Card does not publish 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.
  • Laso Finance 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
Laso Finance Card
XPlace Card
G2M score
26
57 (better)
Base cashback
0%
0.5% (better)
Max cashback
Not published
2%
Paid in
Not published
USDC
Annual fee
Free
Free
FX fee
2%
Not published
Top-up fee
3.8%
0% (better)
Per-purchase fee
None listed
None listed
ATM
Not published
Not published
Network
Visa
Visa
Card type
Prepaid
Varies by region
Custody
Custodial
Non-custodial
Sign-up bonus (G2M link)
None published
None published
No ID check
Yes: US and international cards
ID needed or not stated
Formats
virtual
virtual, physical
Apple / Google Pay
? / Yes
Yes / Yes
India
Unclear
No
UAE
Unclear
Yes
United States
Yes
Yes
United Kingdom
Unclear
Yes
EU / EEA
Unclear
Yes
Countries
US card for US merchants; international card for merchants worldwide, no published country list
Worldwide except 17 countries (including India, China, Turkey and Vietnam) and 19 US states
Bank account (IBAN or account number)
Not confirmed
Not confirmed
Send money to a bank account
Not confirmed
Not confirmed
Buy and sell crypto with fiat
Sell only
Not confirmed
Spend against crypto without selling
No
Yes
Yield on your balance
Not confirmed
Yes
Tiers
International card · US card · Reloadable card
Basic · Silver · Gold · Platinum
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
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 31 Oct 2026; see each card's review for its sources.

Questions

Which is better, Laso Finance Card or XPlace Card?

XPlace Card scores higher on the G2M score: 57/100 against 26/100 (#22 and #35 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, Laso Finance Card or XPlace Card?

Neither card has an annual fee. Laso Finance Card charges 2% on foreign currency; XPlace Card does not publish its FX fee.

Which pays more cashback, Laso Finance Card or XPlace Card?

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

Which works in more countries, Laso Finance 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 Laso Finance Card and XPlace Card?

Laso Finance 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.