The XPlace Card earns 0.5-2% USDC (Credit Mode) + 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 0.5-2% USDC (Credit Mode) + 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 | 0.5% | Free membership. USDC cashback in Credit Mode only (Cash Mode earns XP, no USDC); $10/mo cashback cap; 2% FX (Visa 1% plus XPlace 1%); $2,000 monthly spend limit |
| Silver | 1% | $99/yr membership. USDC cashback in Credit Mode only (Cash Mode earns XP, no USDC); $40/mo cashback cap; 1.5% FX (Visa 1% plus XPlace 0.5%); $10,000 monthly spend limit |
| Gold | 1.5% | $249/yr membership. USDC cashback in Credit Mode only (Cash Mode earns XP, no USDC); $100/mo cashback cap; 1.25% FX (Visa 1% plus XPlace 0.25%); $200,000 monthly spend limit |
| Platinum | 2% | $999/yr membership. USDC cashback in Credit Mode only (Cash Mode earns XP, no USDC); $250/mo cashback cap; 1% FX (Visa 1% plus XPlace 0%); $750,000 monthly spend limit |
On $500/mo spend, the estimated monthly cost breakdown for XPlace Card is: gas $0.00, 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 $3.00/mo cashback that nets a gain of about $3.00/mo ($36.00/yr). XPlace Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. This card bills in USD. Spending in another currency adds a 2% FX fee; these figures do not include it. Figures are conservative estimates and vary with conditions.
Note: Non-custodial Visa credit card on Solana. Borrow against crypto at 50-80% loan-to-value depending on the asset. Yield: variable vault APYs, powered by Kamino Finance and accruing hourly; on 2026-10-01 x.place listed SOL 6.15%, USDT 3.26%, ETH 1.59%, BTC 5.43% and JitoSOL 4.87% APY, and the up to 12% APY recorded earlier no longer appears there. XPlace states the yield is not guaranteed and may be zero or negative, and that all yield rate references are indicative only. USDC cashback is 0.5% Basic, 1% Silver, 1.5% Gold and 2% Platinum, paid in Credit Mode only; Cash Mode purchases earn XP but no USDC cashback. Cashback is capped per month at $10 Basic, $40 Silver, $100 Gold and $250 Platinum; the cap applies to cashback earned, not to spend. XP accrues at 1% Basic, 3% Silver, 6% Gold and 10% Platinum in both modes. Paid tiers also list hotel and flight booking cashback of 1% Silver, 3% Gold and 5% Platinum. Membership prices: Basic free, Silver $99/yr, Gold $249/yr, Platinum $999/yr. XPlace's Terms and Conditions (effective 20 May 2026) and its homepage as captured on 5 September 2026 published a Credit Mode schedule of 1% / 2% / 3% / 4% (the 18 July 2026 homepage showed 0.5% / 1% / 1.5% / 4%, and the April 2026 docs showed 0.5% / 1% / 1.5% / 2%). By 14 September 2026 the homepage, cashback page and docs all showed 0.5% / 1% / 1.5% / 2%; the T&C still carry the older 1-4% Credit Mode and 0.5-2% Cash Mode table, and the newer product pages are treated as current. No official page shows a promotion that doubles these rates. 160+ countries, $750K/mo spending limit. Travel/lounge perks at higher tiers. Q4 2026 token generation event planned. FX is tiered: XPlace's terms and card docs (read 2026-09-27) charge an XPlace FX fee of 1% Basic, 0.5% Silver, 0.25% Gold and 0% Platinum on top of a standard 1% Visa FX conversion fee, so non-USD purchases cost 2%, 1.5%, 1.25% and 1%. The issuer card terms dated 25 October 2025 still show a 0% FX fee; the newer XPlace terms are treated as current. Per-asset loan-to-value is USDT 80%, cbBTC 70%, wETH 70%, SOL 65% and jitoSOL 50%. 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 is issued by Third National under a programme managed by Signify Holdings, Inc.
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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 0.5-2% USDC (Credit Mode) + XP cashback. There are 4 tiers: Basic (0.5%), Silver (1%), Gold (1.5%), Platinum (2%).
The XPlace Card has an annual fee of $0-$999/yr (Silver $99). Additional fees: Conversion fee: 0% (removed July 2026); FX fee: 2% Basic / 1.5% Silver / 1.25% Gold / 1% Platinum (Visa 1% FX conversion fee plus XPlace FX fee of 1% / 0.5% / 0.25% / 0%).
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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