[ head to head ]

Pionex Visa Card vs XPlace Card

XPlace Card scores higher on the G2M score: 57/100 against 49/100 (#22 and #26 of 36 cards). Pick Pionex Visa Card for cashback; pick XPlace Card for more countries and control of your funds.

Pionex Visa Card49

#26 of 36 · 1% back · annual fee none

Get Pionex 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 49/100 (#22 and #26 of 36 cards).
Pionex Visa 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.
Pionex Visa Card charges 0% on foreign currency; XPlace Card does not publish its FX fee.
XPlace Card is confirmed in more countries: 233 against 0, though neither publishes a full list. Of the markets we check for every card, only XPlace Card is confirmed in United States, United Kingdom, EU / EEA and UAE.
Pionex Visa 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

Pionex Visa Card

XPlace Card

G2M score

Base cashback

0.5%

Max cashback

Paid in

USDT

USDC

Annual fee

Free

FX fee

Not published

Top-up fee

Per-purchase fee

1% + $0.20 at or under $5, first 1 a month free

None listed

ATM

2% (physical card only; physical cards are not open to new applicants)

Not published

Network

Visa

Card type

Debit

Varies by region

Custody

Custodial

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

Yes

EU / EEA

Unclear

Yes

Countries

Most countries; not the US, UK, Canada, France, the Netherlands, Japan, Singapore, Hong Kong or mainland China

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 only

Not confirmed

Spend against crypto without selling

Not confirmed

Yes

Yield on your balance

Yes

Tiers

Visa

Basic · Silver · Gold · Platinum

Perks

5% a year on the card balance · Apple Pay and Google Pay · 5% a year on your card balance, paid hourly in USDT · Extra cashback at partner merchants through Pionex links

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 28 Oct 2026; see each card's review for its sources.

Questions

Which is better, Pionex Visa Card or XPlace Card?

XPlace Card scores higher on the G2M score: 57/100 against 49/100 (#22 and #26 of 36 cards). Pick Pionex Visa 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, Pionex Visa Card or XPlace Card?

Neither card has an annual fee. Pionex Visa Card charges 0% on foreign currency; XPlace Card does not publish its FX fee.

Which pays more cashback, Pionex Visa Card or XPlace Card?

Pionex Visa 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, Pionex Visa Card or XPlace Card?

XPlace Card is confirmed in more countries: 233 against 0, though neither publishes a full list. 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 Pionex Visa Card and XPlace Card?

Pionex Visa 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.