XPlace Card
Solana's first non-custodial credit card for high-net-worth individuals. Spend the value of your portfolio via secured credit without selling assets. Creates a collateralized debt position (CDP) against SOL and USDC. Platinum tier includes Mirror Metal card and luxury concierge.
Is the XPlace Card worth it?
The XPlace Card 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
THINK TWICE IF
- a fixed cost is a dealbreaker — the annual fee is Free (Basic); $99 Silver; $249 Gold; $999…
How we rate the XPlace Card
- Cost25%3.5 / 5
The Basic membership is free with 1% FX, but spending draws on a crypto-backed loan that carries a 2.5% origination fee.
- Conditions25%4.5 / 5
Nothing is needed for the free tier. The 2% headline needs the $999-a-year Platinum membership, four times the entry rate.
- Rewards25%2.5 / 5
0.5% in USDC on the free tier, plus XP points whose value is not established. Paid membership lifts the rate but costs more than it returns at typical spending.
- Reliability25%3.0 / 5
Non-custodial on Solana with per-tier terms published, but the product is young and its cashback rates were cut in September 2026.
Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.
The card at a glance
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.
Up to 2%, USDC cashback by membership: 0.5% Basic, 1% Silver, 1.5% Gold, 2% Platinum, plus XP rewards of 1% to 10%, paid in USDC, XP tokens. No staking required for the base rate.
Compare the plans
This card has 4 plans. Select one to see its rate, fees and perks.
Fees you'll actually meet
ℹ️ USDC cashback by membership: 0.5% Basic, 1% Silver, 1.5% Gold, 2% Platinum, plus XP rewards of 1% to 10%.
How much you can spend
Published by the issuer and set per country. Figures are in each market's own currency. Verify with the issuer before relying on a limit.
Strengths and trade-offs
WORKS FOR YOU IF
- Non-custodial
- Spend without selling crypto
- Up to 2% USDC cashback + XP rewards
- High spending limits
- Global availability
LOOK ELSEWHERE IF
- Annual fee $200-$5,000 by tier
- 1% FX fee
- 2.5% origination fee on loans
- No Apple Pay or Google Pay
- High-net-worth focus
What sets it apart
- First non-custodial credit card on Solana
- Collateralized debt position — no asset selling
- Luxury concierge on Platinum tier
- Mirror Metal card
Common questions
Where can I use the XPlace Card?
Does the XPlace Card have an annual fee?
Do I need to stake anything to earn rewards?
How much can I earn with the XPlace Card?
Does it work with Apple Pay and Google Pay?
Is this a self-custody card?
Figures on this page come from Pontech Group L.L.C-FZ's published card terms and were verified on September 16, 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.
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