G2MGWEI 2 MERCHANT
Find your best card
Back
[ head to head ]

Plasma One vs Tangem Pay

Tangem Pay scores higher on the G2M score: 62/100 against 61/100 (#15 and #16 of 26 cards). Pick Plasma One for cashback; pick Tangem Pay for a lower FX fee and more countries.

Plasma One61

#16 of 26 · 2% to 4% back · annual fee none

Get PlasmaRead the review
Tangem Pay62

#15 of 26 · 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 61/100 (#15 and #16 of 26 cards).
  • Plasma One pays more cashback on its entry tier: 2% against 1%. Higher tiers go up to 4% on Plasma One and 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.
  • Both are 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
Plasma One
Tangem Pay
G2M score
61
62 (better)
Base cashback
2% (better)
1%
Max cashback
4%
4%
Paid in
XPL, weekly
USDC
Annual fee
Free
Free
FX fee
2%
1.5% (better)
Top-up fee
0.15%
0% (better)
Per-purchase fee
None listed
None listed
ATM
$2 + 2% per USD withdrawal; physical card only, up to $1,000 a withdrawal and 3 a day
4% on Basic, 2% on Plus, 1% on Prestige
Network
Visa
Visa
Card type
Spend
Debit
Custody
Self-custodial
Self-custodial
Formats
virtual, physical
virtual, physical, metal
Apple / Google Pay
Yes / Yes
? / ?
India
Unclear
Unclear
UAE
Unclear
Yes
United States
Yes
Yes
United Kingdom
Unclear
Unclear
EU / EEA
Unclear
Unclear
Countries
Growing list of countries, full list not published; the US in 31 states
Select regions worldwide
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
19 currencies
1 currency
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
No
No
Yield on your balance
Yes
No
Tiers
Lite · Core · Platinum
Basic · Plus · Prestige
Perks
Earn on your balance until you spend it (variable rate) · Free USDT transfers on Plasma · 1 free virtual card · 5% on AI merchants (first $250 a month) · ChatGPT Go subscription
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, Plasma One or Tangem Pay?

Tangem Pay scores higher on the G2M score: 62/100 against 61/100 (#15 and #16 of 26 cards). Pick Plasma One for cashback; pick Tangem Pay for a lower FX fee 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, Plasma One 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, Plasma One or Tangem Pay?

Plasma One pays more cashback on its entry tier: 2% against 1%. Higher tiers go up to 4% on Plasma One and 4% on Tangem Pay.

Which works in more countries, Plasma One 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 Plasma One and Tangem Pay?

Both are 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.

Plasma One vs Tangem Pay: fees, cashback and countries compared · G2M