The Tangem Pay earns 1-2% USDC cashback on a Visa debit card with a $0 (wallet $69.90) fee, available in US, LATAM, APAC, Middle East and Africa (select countries).
Tangem is a hardware wallet manufacturer founded in 2017 and headquartered in Zug, Switzerland, known for its credit-card-format NFC smartcard wallets. SBI Crypto Investment, a subsidiary of Japan's SBI Holdings, invested $15 million in the company in 2018.
The Tangem Pay is a crypto debit card offered by Tangem, available in US, LATAM, APAC, Middle East and Africa (select countries). It offers 1-2% USDC cashback across 2 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. It runs on the Visa network and requires standard identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our regional guides for the US and Latin America. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Basic | 1% | Free. 1% in USDC on eligible spend, $100/mo cashback cap, $30 minimum qualifying transaction. No cashback on in-store purchases at EU and UK merchants |
| Plus | 2% | $29.99/mo, waived by $4,500 of monthly spend and by $65,000 held in Yield Mode. 2% in USDC, $300/mo cashback cap, $30 minimum qualifying transaction. No cashback on in-store purchases at EU and UK merchants. Tangem's page now shows a Get Plus button (only Prestige is waitlist-only) |
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On $500/mo spend, the estimated monthly cost breakdown for Tangem Pay is: gas $0.01, conversion spread $0.00, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $5.00/mo cashback that nets a gain of about $4.99/mo ($59.88/yr). Because Tangem Pay is loaded on-chain, frequent small top-ups add gas cost: a daily-spender profile pays about $0.20/mo in gas versus $0.01/mo for a single monthly load, so total drag runs 0% with daily reloads versus 0% with a monthly reload. This card bills in USD. Spending in another currency adds a 1.5% FX fee; these figures do not include it. Figures are conservative estimates and vary with conditions.
Note: LAUNCHED Nov 2025. AVAILABILITY CORRECTED (2026-10-04): no official Tangem page names the EEA or UK. The help centre states "Tangem Pay is available in the U.S. and in select countries across LATAM, APAC, MEA, and Africa", so the EEA launch previously recorded here is unsupported. Visa card in the Tangem Wallet app, virtual at launch; a physical card is now listed (tangem.com/en/tangem-pay, read 2026-10-11: Plastic on Basic and Plus, Plastic and Metal on Prestige), and Cointelegraph reported on 7 October 2026 an initial release limited to 5,000 cards with no delivery to roughly 20 countries, including China, Russia, North Korea and Palestine. Funded with USDC or USDT on Polygon, Base, BNB Smart Chain or Arbitrum, by swap from the Tangem Wallet, or by US bank transfer (ACH $1, free on Plus; FedWire $11) to the Tangem Pay account's own routing and account number. KYC via Paera. 6M hardware wallets sold. Operated by Paera LLC and issued by Third National under a Puerto Rico money transmitter licence; Tangem AG states it does not operate the programme, and no EEA or UK e-money licence is named. Spending settles on-chain from USDC on Polygon. CASHBACK LAUNCHED (2026-09-16): Tangem Pay cashback went live, replacing the 0% recorded here since launch. Basic pays 1% capped at $100/mo and Plus 2% capped at $300/mo, both paid in USDC into the Tangem Pay account at the end of each billing cycle, and both requiring a transaction of at least $30 (smaller purchases earn nothing). Cashback does not apply to in-store purchases at EU or UK merchants, which Tangem attributes to EU and UK interchange fee regulation, and that exclusion covers tap-to-pay at terminals inside the EU and UK; online purchases at EU merchants do earn it. A Prestige tier at $999/yr paying 4% capped at $1,000/mo is published but labelled coming soon, so it is not recorded as a tier here: it is not obtainable, and recording it would price a nonexistent rate into the site's net-value ranking. A first-$500 boost of 5%, 10% and 15% by tier is likewise labelled coming soon and is not recorded. On the Plus cap, tangem.com/en/tangem-pay/ and the cashback post both give $300, while the tiers post carries $300 in its two-tier table and $500 in its three-tier table; $300 is recorded as the figure for the two tiers that exist today. TIER STRUCTURE (2026-08-27): Basic is free; Plus costs $29.99 per month, waived with $4,500 of monthly spend or $65,000 held in Yield Mode; Prestige costs $999 per year. Published ATM fees are 4%, 2% and 1% respectively, and daily spend limits are $10,000, $50,000 and $100,000, superseding the onboarding limits previously recorded. ISSUER CONFLICT: the card page states the Visa card is issued by Rain, a Visa Principal Member, while Tangem's own blog states it is issued by Third National. Two official Tangem pages disagree, so neither is recorded as definitive. Staking is unavailable in New York. tangem.com/en/blog/post/about-tangem-pay/, the page recorded as this card's cardPageUrl, states "Tangem Pay is now available for users in select countries across the following regions: USA, LATAM, APAC, MEA, and Africa", so MEA and Africa are official rather than third-party reported, with the caveat that not all countries in a listed region are supported. tangem.com/en/tangem-pay/ carries no availability list at all, only "over 150 countries" of Visa merchant acceptance, which is a different thing.
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The Tangem Pay is a crypto debit card offered by Tangem. It is available in US, LATAM, APAC, Middle East and Africa (select countries) and allows users to spend cryptocurrency at merchants worldwide.
The Tangem Pay offers 1-2% USDC cashback. There are 2 tiers: Basic (1%), Plus (2%).
The Tangem Pay has an annual fee of $0 (wallet $69.90). Additional fees: Conversion fee: 0% (USDC direct); FX fee: Visa exchange rate + 1.5% on non-USD transactions; ATM: 4% (Basic) / 2% (Plus) / 1% (Prestige).
The Tangem Pay has the following limits: daily spending limit: USD 10,000 (Basic); USD 50,000 (Plus); daily ATM withdrawal limit: USD 750 (3 withdrawals per 24 hours, USD 250 each). Limits can vary by account tier and verification level.
Supported assets include USDC, USDT, USD (bank transfer); top-up methods include Send stablecoins to the Tangem Pay deposit address, Swap from Tangem Wallet, ACH / FedWire from a US bank account; crypto deposits are supported on Polygon, Base, BNB Smart Chain, Arbitrum.
Yes. Tangem requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Tangem Pay is available in US, LATAM, APAC, Middle East and Africa (select countries).
The Tangem Pay is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Tangem Pay is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Yes, the Tangem Pay supports Apple Pay and Google Pay for contactless payments.
The Tangem Pay is issued by Third National. Licences: Money transmitter (NMLS 2612780) (Puerto Rico Commissioner of Financial Institutions (OCIF), US).
No, the Tangem Pay does not come with a personal IBAN.
No fiat is held: value sits as on-chain stablecoin collateral owned by the user in smart contracts, which the programme can access only during or after a liquidation event.
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