[ head to head ]

PEXX Card vs XPlace Card

PEXX Card scores higher on the G2M score: 62/100 against 57/100 (#19 and #23 of 39 cards). Pick PEXX Card for cashback; pick XPlace Card for more countries and control of your funds.

PEXX Card62

#19 of 39 · 1% back · annual fee none

Get PEXX Read the review

XPlace Card57

#23 of 39 · 0.5% to 2% back · annual fee none

Get XPlace Read the review

The short answer

PEXX Card scores higher on the G2M score: 62/100 against 57/100 (#19 and #23 of 39 cards).
PEXX Card pays more cashback on its entry tier: 1% against 0.5%. Higher tiers go up to 2% on XPlace Card.
Neither card has an annual fee.
PEXX Card charges 1.2% on foreign currency; XPlace Card does not publish its FX fee.
PEXX Card lists 68 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.
PEXX 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

PEXX Card

XPlace Card

G2M score

Base cashback

0.5%

Max cashback

Paid in

PEXX Points

USDC

Annual fee

Free

FX fee

1.2%

Not published

Top-up fee

Per-purchase fee

0.6%

None listed

ATM

Not published

Network

Visa / Mastercard

Visa

Card type

Debit

Varies by region

Custody

Custodial

Non-custodial

Sign-up bonus (G2M link)

None published

$5 to $250 in Bitcoin, Solana or Ethereum (random amount) after you activate the card and spend $100 in Credit Mode

No ID check

ID needed or not stated

Formats

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

Yes

Tiers

PEXX Card

Basic · Silver · Gold · Platinum

Perks

PEXX Earn: up to 4% APY on USD, USDT and USDC (tokenised US Treasuries) · USD account with routing and account number · Points convert to HeyMax Max Miles · QR payments in Indonesia, Malaysia, Singapore, Vietnam and the Philippines

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, PEXX Card or XPlace Card?

PEXX Card scores higher on the G2M score: 62/100 against 57/100 (#19 and #23 of 39 cards). Pick PEXX Card for cashback; pick XPlace Card for 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, PEXX Card or XPlace Card?

Neither card has an annual fee. PEXX Card charges 1.2% on foreign currency; XPlace Card does not publish its FX fee.

Which pays more cashback, PEXX Card or XPlace Card?

PEXX Card pays more cashback on its entry tier: 1% against 0.5%. Higher tiers go up to 2% on XPlace Card.

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

PEXX Card lists 68 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.

Who holds my funds with PEXX Card and XPlace Card?

PEXX 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.