The XPlace Card earns 1-4% USDC + XP cashback on a Visa credit card with a $0-$999/yr (Silver $99) fee, available in Global excl. 17 countries + 16 US states.
XPlace is a non-custodial crypto credit card product built on the Solana blockchain, with the card operating on the Visa network and supported in over 160 countries. The Silver Club tier offers a physical Visa card with USDC and SOL spending and an annual fee.
The XPlace Card is a crypto credit card offered by XPlace, available in Global excl. 17 countries + 16 US states. It offers 1-4% USDC + XP cashback across 4 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at $0-$999/yr (Silver $99).
Best suited for spenders who want a true credit line rather than a pre-funded crypto debit card. It runs on the Visa network and requires standard identity verification.
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| Tier | Rate | Requirement |
|---|---|---|
| Basic | 1% | Free membership. 0.5% in Cash Mode, 1% in Credit Mode; $10/mo cashback cap; 1% FX; $2,000 monthly spend limit |
| Silver | 2% | $99/yr membership. 1% in Cash Mode, 2% in Credit Mode; $40/mo cashback cap; 0.5% FX; $10,000 monthly spend limit |
| Gold | 3% | $249/yr membership. 1.5% in Cash Mode, 3% in Credit Mode; $100/mo cashback cap; 0.25% FX; $200,000 monthly spend limit |
| Platinum | 4% | $999/yr membership. 2% in Cash Mode, 4% in Credit Mode; $250/mo cashback cap; 0% FX; $750,000 monthly spend limit |
On $500/mo spend, the estimated monthly cost breakdown for XPlace Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $5.00/mo cashback that is still a net cost of about $2.50/mo ($30.00/yr). XPlace Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: Non-custodial Visa credit card on Solana. Borrow against crypto (30-70% credit power). Yield: up to 12% APY, powered by Kamino Finance, accruing hourly. XPlace states the yield is not guaranteed and may be zero or negative, and that all yield rate references are indicative only. XP points + USDC cashback (XP rewards: 1% Basic, 3% Silver, 6% Gold, 10% Platinum). 160+ countries, $750K/mo spending limit. Travel/lounge perks at higher tiers. Q4 2026 token generation event planned. July 2026 restructure: Basic rate raised to 1%, Gold rate raised to 3% at $249/yr (down from $1,000/yr), Platinum fee cut to $999/yr, Credit Mode cashback doubled to 4%, FX to 0% (aggregator-sourced; primary docs unreachable this cycle). FLAG RESOLVED (2026-09-04): the competing USDC ladder flagged on 2026-08-14 (Basic 0.5% / Silver 1% / Gold 1.5% / Platinum 2%) is not a contradiction of the ladder recorded here. It is the Cash Mode ladder; Credit Mode pays double it, which is the 1/2/3/4% recorded below, and the July 2026 restructure is what doubled Credit Mode. Both ladders are real and apply to different spending modes. This reconciliation is aggregator-sourced (XPlace's primary docs were unreachable again this cycle), so the Cash Mode rates are not being added to the record, only the dispute retired. CORRECTION (2026-08-27): the Silver tier costs $99 per year, not $200, and pays 2% in Credit Mode rather than 1%. Per-tier monthly cashback caps of $10, $40, $100 and $250 were absent from this record entirely and materially change the product. The 0% FX previously recorded applies to Platinum only; FX is tiered. Per-asset loan-to-value is USDT 80%, cbBTC 70%, wETH 70%, SOL 65% and jitoSOL 50%, not the 30-70% range previously recorded. Availability is not global: XPlace prohibits Belarus, mainland China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela and Vietnam, plus 16 US states. The card issuer and program manager is Signify Holdings, Inc. operating as Rain.
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The XPlace Card is a crypto credit card offered by XPlace. It is available in Global excl. 17 countries + 16 US states and allows users to spend cryptocurrency at merchants worldwide.
The XPlace Card offers 1-4% USDC + XP cashback. There are 4 tiers: Basic (1%), Silver (2%), Gold (3%), Platinum (4%).
The XPlace Card has an annual fee of $0-$999/yr (Silver $99). Additional fees: Conversion fee: 0% (removed July 2026); FX fee: 1% Basic / 0.5% Silver / 0.25% Gold / 0% Platinum.
Yes. XPlace requires standard identity verification (KYC), typically a government-issued ID, during signup.
The XPlace Card is available in Global excl. 17 countries + 16 US states.
The XPlace Card is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
Yes, the XPlace Card supports Apple Pay and Google Pay for contactless payments.
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