Tangem Pay Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | First virtual card free; additional virtual cards $5; requires a Tangem Wallet |
|---|---|
| Annual fee | Free on Basic; Plus $29.99 a month, free with $4,500 monthly spending or $65,000 in Yield Mode; Prestige $999 a year announced, waitlist only |
| FX fee | 1% on top of the Visa exchange rate for non-USD purchases |
| ATM limit | $250 per withdrawal, three per 24 hours, at contactless ATMs through Apple Pay or Google Pay; fee 4% on Basic, 2% on Plus |
| Spending limit | $10,000 per day per card on Basic, $50,000 on Plus; 100 purchases a day and 1,000 a month; limits vary by risk profile |
Fees change; the current ones are in Tangem Pay’s terms.
Features
- Cashback: 1% in USDC on the Basic plan, capped at $100 a month; 2% on the Plus plan ($29.99 a month), capped at $300 a month
- Network: Visa Platinum on Basic, Visa Signature on Plus
- KYC: Yes
- Card type: Virtual only
- Top up with: USDC or USDT on Polygon, Base, BNB Smart Chain or Arbitrum
Full list
- Swaps from any supported stablecoin in the Tangem Wallet
- US bank transfer by ACH ($1, free on Plus) or FedWire ($11, free on Plus) to the account's own routing and account number
- Available countries: United States and select countries in Latin America, Asia-Pacific, the Middle East and Africa
Full list
Tangem publishes no country list and says eligibility is confirmed in the app
Who issues the Tangem Pay Card
The Tangem Pay Card is issued by Rain (Signify Holdings, Inc.), USA (New York) (Visa Principal Member (Mar 2025) + Mastercard Principal Member (4 May 2026); program manager turned named issuer on newer launches). The issuer is named in the source linked below. (page now reads "issued by Rain, a Visa Principal Member", where until mid-2026 it named Third National).
Primary source · All cards issued by Rain (Signify Holdings, Inc.) · Why the issuer matters
Supported cryptocurrencies
You can load the Tangem Pay Card with crypto; the 2 assets we track for it are listed below.
Pros and cons
Pros
- Card balance in a smart-contract account you control
The fine print
- 1% USDC cashback, 2% on Plus
- No monthly or transaction fees on Basic
- Apple Pay and Google Pay
- ATM cash at contactless ATMs
- US routing and account number for ACH deposits
- No card issuance fee
- Multi-chain top-up across 4+ networks
Cons
- Virtual card only, physical planned; 1% FX on non-USD purchases; 4% ATM fee on Basic; requires a Tangem Wallet; no published country list; no IBAN
Regional availability
Available in several regions
The Tangem Pay Card is available in several regions: United States and select countries in Latin America, Asia-Pacific, the Middle East and Africa.
Banking and fiat rails
Card overview
First Visa card we've seen marketed as fully self-custodial. The card balance sits in an on-chain smart-contract account you control until the moment of purchase; Rain issues the virtual Visa and Paera runs onboarding. You also need a Tangem Wallet, sold separately, to act as the signing device. Funding has widened since launch: USDC or USDT on Polygon, Base, BNB Smart Chain or Arbitrum, or a US bank transfer by ACH or FedWire to the account's own routing and account number.
Cashback is 1% in USDC on the free Basic plan, capped at $100 a month, or 2% on the $29.99-a-month Plus plan, capped at $300; Plus is free with $4,500 of monthly spending or $65,000 in Yield Mode. The network tier follows the plan, Visa Platinum on Basic and Visa Signature on Plus, and a $999-a-year Prestige plan is announced, waitlist only. Non-USD purchases cost 1% over the Visa rate. Spending is capped at $10,000 a day on Basic and $50,000 on Plus.
Cash comes from contactless ATMs through Apple Pay or Google Pay, $250 at a time, for 4% on Basic or 2% on Plus. It is sold in the US and select countries in Latin America, Asia-Pacific, the Middle East and Africa, and Tangem publishes no country list. The card is still virtual only.
- Best fit
- crypto-native users who already own a Tangem Wallet, want self-custody on Visa rails, and spend mostly in dollars
- Wrong card if
- you weren't planning to buy the Tangem Wallet hardware, spend heavily in other currencies, or need a physical card
Common questions about the Tangem Pay Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
