The XPlace Card earns 1-4% USDC + XP cashback on a Visa credit card with a $0-$999/yr fee, available in Global.
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. 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.
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.
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. Browse all our regional card guides. See where it ranks among the best crypto credit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Basic | 1% | Free membership |
| Silver | 1% | $200/yr membership |
| Gold | 3% | $249/yr membership |
| Platinum | 4% | $999/yr membership |
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). Up to 16% APY on deposits (variable, not guaranteed). 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).
Other crypto cards in the same region or category that may suit your spending profile:
The XPlace Card is a crypto credit card offered by XPlace. It is available in Global 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 (1%), Gold (3%), Platinum (4%).
The XPlace Card has an annual fee of $0-$999/yr. Additional fees: Conversion fee: 0% (removed July 2026); FX fee: 0%.
Yes. XPlace requires standard identity verification (KYC), typically a government-issued ID, during signup.
The XPlace Card is available in Global.
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.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.