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Tangem Pay

by Tangem · Antigua and Barbuda, Argentina, Australia…

Tangem Pay is a US dollar Visa card inside the Tangem Wallet app, topped up with USDC or USDT and held in a smart-contract account you control. The free Basic plan pays 1% cashback in USDC, up to $100 a month; Plus costs $29.99 a month and pays 2%, up to $300. Purchases in other currencies cost 1.5% over Visa's rate from 15 October 2026, and cash from ATMs costs 2% to 4%. It is provided by Paera and issued by Rain, and is offered in 40 countries and 30 US states, but not in the UK or Europe.

By the cryptocards.one team·Terms checked October 9, 2026·Referral link, see our affiliate disclosure
Tangem Pay — Secured Credit card — on the Visa network
MAX REWARD
Up to 2%
ENTRY PRICE
Free
BASE FX FEE
1.5%
VERDICT

Is the Tangem Pay worth it?

The Tangem Pay is a secured credit card on Visa, paying up to 2% back on spend. Whether it suits you comes down to the trade-offs below.

GOOD FIT IF

  • you want up to 2% back on everyday spending
  • you don't want to stake or lock up a token to earn the rate
  • you want your crypto to stay in your own wallet until you spend it
  • you want to start spending the day you sign up

THINK TWICE IF

  • a fixed cost is a dealbreaker — the annual fee is Free (Basic); $29.99/month (Plus)
KEY FACTS

The card at a glance

CARD TYPE
Secured Credit
Card category
NETWORK
Visa
Where it's accepted
ANNUAL FEE
Free
Cost to hold the card
See fee details ↓
MAX REWARD
Up to 2%
Top published rate
See reward details ↓
REWARDS IN
USDC
How rewards are paid
FX FEE
1.5%
On foreign-currency spend
See fee details ↓
REGION
Antigua and Barbuda, Argentina, Australia, Bahamas, Barbados, Belize, Bolivia, Brazil, Cayman Islands, Colombia, Costa Rica, Dominica, Dominican Republic, Ecuador, El Salvador, Ghana, Grenada, Guatemala, Guyana, Honduras, Japan, Kenya, Mexico, New Zealand, Nigeria, Pakistan, Panama, Paraguay, Peru, Philippines, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Singapore, South Africa, Suriname, Trinidad and Tobago, Turks & Caicos Islands, UAE, Uruguay, United States (only Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Virginia, West Virginia, Wyoming) (NOT available in: Russia, Belarus, Venezuela, Cuba, Iran, Syria, North Korea, Ukraine, Turkey, Israel, China, India, Vietnam, Nepal, Iraq, Myanmar, Nicaragua, Sri Lanka)
Where it's available
STAKING
Not required
Lock-up to earn rewards
CUSTODY
Self-custody
You hold the keys
CARD PROVIDER AND ISSUER
Paera LLC provides the programme; issued by Rain (Third National) on Visa
Tangem AG, which makes the Tangem Wallet, says it does not operate Tangem Pay. Identity checks are run by Sumsub. The card terms are written as a credit agreement at 0% interest, secured on the balance you load.
WHERE THE BALANCE SITS
In a smart-contract account you control
Tangem says neither it nor Paera holds your funds, and you can withdraw USDC or USDT to your Tangem Wallet at any time. Money returned by a merchant refund stays in the card programme and cannot be withdrawn.
WHAT YOU NEED
A Tangem Wallet, government ID and an address in a supported country
The card can only be linked to a Tangem Wallet, hardware or mobile, and only one wallet per account. Tangem warns that losing access to that wallet means losing access to the Tangem Pay account. US residents also give a Social Security number.
WAYS TO FUND THE CARD
USDC or USDT on Polygon, Base, Arbitrum or BNB Smart Chain · swap from your Tangem Wallet · ACH or Fedwire from a US bank
Bank transfers are offered only in some regions and are converted to USDC when they arrive. Withdrawals to a bank are not supported yet.
COUNTRY NOTES
40 countries and 30 US states
From the provider's terms. Nigeria needs conditional approval. A further 12 US states are supported for corporate programmes only. Tangem says the surest check is to enter your country in the app.
BLOCKED MERCHANTS
Gambling, liquor stores, money transfers, car rental, self-service fuel pumps
The provider's terms also bar weapons, pharmacies, adult services, and government and political payments, and the card does not support magnetic-stripe payments.
Compare Tangem Pay against other cards in:
REWARDS

Earning Up to 2%

The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.

Reward summary

Up to 2%, paid in USDC. No staking required for the base rate.

  • 1% on Basic, up to $100 a month, and 2% on Plus, up to $300 a month.
  • Paid in USDC on Polygon into your Tangem Pay balance between the 2nd and 5th of the following month, on purchases completed by the end of the month.
  • Refunds reduce the month's total.
  • Tangem advertises 4% on a Prestige plan that is not yet available.
PLANS & TIERS

Compare the plans

This card has 3 plans. Select one to see its rate, fees and perks.

Basic
Requirement: No requirement beyond identity verification
1%
Cashback
PRICE
Free
ATM FEE
4% of the amount withdrawn
FX FEE
1.5% (1% until 15 October 2026)
WHAT'S INCLUDED
✓1% cashback in USDC, up to $100 a month
✓Visa Platinum, up to 3 cards
✓$10,000 daily spending limit and a $10,000 maximum card balance
✓Bank transfers in: $1 by ACH, $11 by Fedwire
✓Plastic card available; a delivery fee applies
✓Apple Pay and Google Pay
PlanBasicPlusPrestige (coming soon)
Cashback1%2%4%
PriceFree$29.99/month$999/year
ATM fee4% of the amount withdrawn2% of the amount withdrawn1% of the amount withdrawn
FX fee1.5% (1% until 15 October 2026)1.5% (1% until 15 October 2026)Not published
RequirementNo requirement beyond identity verification$29.99 a month, or free with $4,500 of monthly spending or $65,000 in Yield ModeNot yet available: Tangem is taking names for a waitlist
COSTS

Fees you'll actually meet

Annual fee
Cost to hold the card each year
Free
Basic: free · Plus: $29.99 a month, waived with $4,500 of monthly spending or $65,000 in Yield Mode · Prestige: $999 a year, not yet available
Monthly fee
Recurring account cost
None
Plus costs $29.99 every 30 days, taken from your Tangem Pay balance. Tangem says it is free with $4,500 of monthly spending or $65,000 in Yield Mode.
FX spread
Applied on foreign-currency spend
1.5%
The card is in US dollars. Its terms set purchases in another currency at Visa's exchange rate plus 1.5%. Tangem told us the markup is 1% until 15 October 2026.
ATM withdrawal
Cash withdrawal cost
2% to 4%
The fee is added to the amount taken from your balance, so $100 on Basic costs $104. With the plastic card, launched on 9 October 2026, you can use ATMs directly; with a virtual card, cash is available only at contactless ATMs through Apple Pay or Google Pay. Tangem's help centre gives up to $250 per withdrawal and 3 withdrawals in 24 hours for contactless ATMs and has not published separate limits for the plastic card.
Crypto conversion
When spending crypto directly
None
Topping up with USDC or USDT on Polygon, Base, Arbitrum or BNB Smart Chain costs only the network fee, and withdrawing back to your Tangem Wallet is free. Tangem says USDC converts to US dollars 1:1 at checkout. Bank transfers in cost $1 by ACH and $11 by Fedwire on Basic, and nothing on Plus.
Issuance fee
One-off cost to get the card
Free
The first virtual card is free. Each further virtual card costs $5, and so does reissuing a card. A plastic card carries a delivery fee that depends on the country and is shown in the app before you order; the first one is delivered free on Plus.
Inactivity fee
Charged if the card goes unused
None
The card terms list no inactivity fee.
Other fees in the card terms
These apply only if a purchase is disputed or the balance backing the card falls short of what you owe.
Dispute $30 · late payment up to $40 · failed payment up to $29 · liquidation up to $35
Plastic card delivery
Plastic cards launched on 9 October 2026. Tangem gives $15.63 to $63.45 depending on the country; the card terms give $14.53 to $82.10. The first plastic card is delivered free on Plus. It is sent only within the country you verified in.
Shown in the app before you order
SPENDING LIMITS

How much you can spend

Published by the issuer and set per country. Figures are in each market's own currency.

Tangem Pay spending limits by country
CountryTierPer dayPer year
All countriesBasic$10,000$10,000,000
All countriesPlus$50,000$10,000,000

You can set a lower daily limit yourself in the app. The card balance is capped at $10,000 on Basic and $50,000 on Plus, and you can load up to $100,000 a day. Tangem says limits may vary with your verification level and account history.

ATM WITHDRAWAL LIMITS

How much cash you can take out

Each period caps both the number of withdrawals and their total value — you reach whichever comes first. One set of limits applies wherever the card is available.

Tangem Pay ATM withdrawal limits by country, showing the maximum number and total value for each period
CountryWithin 24 hours
WithdrawalsTotal value
All countries3$750

Up to $250 per withdrawal at contactless ATMs. Tangem has not published separate limits for the plastic card.

VERDICT

Strengths and trade-offs

WORKS FOR YOU IF

  • Free Basic plan with 1% cashback in USDC
  • The balance stays in a smart-contract account you control, and can be withdrawn at any time
  • No fee to top up with USDC or USDT, and none to withdraw to your wallet
  • Bank top-ups by ACH or Fedwire for US accounts
  • Apple Pay and Google Pay, with virtual and plastic cards
  • Available in the United States, Latin America, Asia-Pacific, Africa and the UAE

LOOK ELSEWHERE IF

  • Cashback is capped at $100 a month on Basic and $300 on Plus
  • The 2% rate needs the $29.99-a-month Plus plan or $4,500 of monthly spending
  • 1.5% on purchases outside US dollars from 15 October 2026
  • ATM withdrawals cost 2% on Plus and 4% on Basic
  • Not offered in the UK or Europe, and only in 30 US states
  • Requires a Tangem Wallet and identity verification
  • Money from a merchant refund cannot be withdrawn from the card balance
  • The advertised 4% Prestige plan is not yet available
STANDOUT FEATURES

What sets it apart

  • Card balance held in a self-custodial smart contract rather than with the issuer
  • Runs inside the Tangem Wallet app, alongside a hardware or mobile wallet
  • Cashback paid in USDC, not points or a platform token
  • Up to 3 cards on Basic and 5 on Plus under one account
  • Visa Signature protections on Plus: extended warranty, price and purchase protection, car hire insurance
✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app✓ Self-custody✓ No staking
IN THE NEWS

Latest news & analysis

ABOUT THIS CARD

Common questions

Where can I use the Tangem Pay?

Does the Tangem Pay have an annual fee?

Do I need to stake anything to earn rewards?

How much can I earn with the Tangem Pay?

Does it work with Apple Pay and Google Pay?

Is this a self-custody card?

Figures on this page come from Tangem's published card terms and were verified on October 9, 2026. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.

TANGEM
Up to 2%
No annual fee · 1.5% (1% until 15 October 2026) FX
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