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

Solayer Card vs Tangem Pay

Tangem Pay scores higher on the G2M score: 62/100 against 47/100 (#15 and #23 of 26 cards). Pick Solayer Card for more countries; pick Tangem Pay for cashback and a lower annual fee.

Solayer Card47

#23 of 26 · Not published back · annual fee $20

Get SolayerRead 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 47/100 (#15 and #23 of 26 cards).
  • Tangem Pay pays 1% cashback on its entry tier; Solayer Card does not publish a rate. Higher tiers go up to 4% on Tangem Pay.
  • Tangem Pay has no annual fee; Solayer Card costs $20 a year.
  • Both charge a 1.5% FX fee on foreign currency.
  • Solayer Card is confirmed in more countries: 154 against 50, 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
Solayer Card
Tangem Pay
G2M score
47
62 (better)
Base cashback
Not published
1%
Max cashback
Not published
4%
Paid in
Points
USDC
Annual fee
$20
Free (better)
FX fee
1.5%
1.5%
Top-up fee
1%
0% (better)
Per-purchase fee
$0.15
None listed
ATM
Supported; fee not published
4% on Basic, 2% on Plus, 1% on Prestige
Network
Visa
Visa
Card type
Credit
Debit
Custody
Self-custodial
Self-custodial
Formats
virtual, physical
virtual, physical, metal
Apple / Google Pay
Yes / Yes
? / ?
India
No
Unclear
UAE
No
Yes
United States
Yes
Yes
United Kingdom
No
Unclear
EU / EEA
No
Unclear
Countries
154
Select regions worldwide
Bank account (IBAN or account number)
No
In your name
Send money to a bank account
No
1 currency
Buy and sell crypto with fiat
No
Buy and sell
Spend against crypto without selling
No
No
Yield on your balance
Yes
No
Tiers
Membership
Basic · Plus · Prestige
Perks
Referral points
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, Solayer Card or Tangem Pay?

Tangem Pay scores higher on the G2M score: 62/100 against 47/100 (#15 and #23 of 26 cards). Pick Solayer Card for more countries; pick Tangem Pay for cashback and a lower annual fee. 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, Solayer Card or Tangem Pay?

Tangem Pay has no annual fee; Solayer Card costs $20 a year. Both charge a 1.5% FX fee on foreign currency.

Which pays more cashback, Solayer Card or Tangem Pay?

Tangem Pay pays 1% cashback on its entry tier; Solayer Card does not publish a rate. Higher tiers go up to 4% on Tangem Pay.

Which works in more countries, Solayer Card or Tangem Pay?

Solayer Card is confirmed in more countries: 154 against 50, 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 Solayer Card 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.