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SolCard vs Tangem Pay

Tangem Pay scores higher on the G2M score: 62/100 against 35/100 (#16 and #32 of 33 cards). Pick SolCard for more countries; pick Tangem Pay for cashback, a lower FX fee and control of your funds.

SolCard35

#32 of 33 · 0% to 1.3% back · annual fee none

Get SolCardRead the review
Tangem Pay62

#16 of 33 · 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 35/100 (#16 and #32 of 33 cards).
  • Tangem Pay pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 1.3% on SolCard 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%.
  • SolCard is confirmed in more countries: 245 against 50, though neither publishes a full list. Of the markets we check for every card, only SolCard is confirmed in United Kingdom, EU / EEA and India.
  • SolCard is custodial; Tangem Pay is 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
SolCard
Tangem Pay
G2M score
35
62 (better)
Base cashback
0%
1% (better)
Max cashback
1.3%
4% (better)
Paid in
USDT or USDC
USDC
Annual fee
Free
Free
FX fee
2%
1.5% (better)
Top-up fee
5%
0% (better)
Per-purchase fee
None listed
None listed
ATM
Not published
4% on Basic, 2% on Plus, 1% on Prestige
Network
Visa / Mastercard
Visa
Card type
Prepaid
Debit
Custody
Custodial
Self-custodial
No ID check
Yes: Virtual card
ID needed or not stated
Formats
virtual, physical
virtual, physical, metal
Apple / Google Pay
Yes / Yes
? / ?
India
Yes
Unclear
UAE
Yes
Yes
United States
Yes
Yes
United Kingdom
Yes
Unclear
EU / EEA
Yes
Unclear
Countries
Worldwide except Hong Kong and sanctioned countries; in the US only the Virtual card (online)
Select regions worldwide
Bank account (IBAN or account number)
Not confirmed
In your name
Send money to a bank account
Not confirmed
1 currency
Buy and sell crypto with fiat
Not confirmed
Buy and sell
Spend against crypto without selling
No
No
Yield on your balance
No
No
Tiers
Virtual · Platinum · Signature · Private
Basic · Plus · Prestige
Perks
No ID check needed for the Virtual card · Physical Platinum card with Apple Pay and Google Pay · Top up from 13 networks, incl. Bitcoin, Solana and Tron · SOLC staking: free cards and cashback · Online only, no Apple Pay or Google Pay
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, SolCard or Tangem Pay?

Tangem Pay scores higher on the G2M score: 62/100 against 35/100 (#16 and #32 of 33 cards). Pick SolCard for more countries; pick Tangem Pay for cashback, a lower FX fee 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, SolCard 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, SolCard or Tangem Pay?

Tangem Pay pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 1.3% on SolCard and 4% on Tangem Pay.

Which works in more countries, SolCard or Tangem Pay?

SolCard is confirmed in more countries: 245 against 50, though neither publishes a full list. Of the markets we check for every card, only SolCard is confirmed in United Kingdom, EU / EEA and India.

Who holds my funds with SolCard and Tangem Pay?

SolCard is custodial; Tangem Pay is 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.