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Xplace Card vs Binance Card: 2026 Comparison

Comparing Xplace Card and Binance Card on fees, cashback, custody, and where each card is available.

Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way. Read our editorial disclosure.

The short version:

Xplace scores 4.6/5 on the Sweepbase formula and Binance scores 3.4/5, a gap of 1.2 points. The Strengths row in the table lists what each card is credited for. What moves the score for Xplace: self-custody, up to 2% cashback.

Xplace:
Binance:

Side by side

Side-by-side comparison of Xplace Card, Binance Card. Scroll horizontally to see all columns.
Feature

Xplace Card 4.6 out of 5, Sweepbase rating

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Binance Card 3.4 out of 5, Sweepbase rating

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Overview
Card typeVirtual + Physical. Physical cards are live for Silver; Gold and Platinum physical cards are coming soonVirtual + Physical
NetworkVisa CreditMastercard Prepaid
Custody Strength: Self-custodyCustodial
Costs
Issuance fee Strength: Free Strength: Free
Annual feeBasic free; Silver $99/yr; Gold $249/yr; Platinum $999/yr Strength: Free
FX fee1% on Basic, 0.5% on Silver, 0.25% on Gold, 0% on Platinum ($999/yr)1-2% FX on non-BRL purchases with the Brazil card, plus 0.9% crypto-to-fiat conversion
The fine print
  • The Argentina programme charges 6-7% FX plus Argentine taxes, and the Immersve Global Program 2% (New Zealand 3%) since the 1 June 2026 update
Rewards
Cashback Strength: Up to 2% (Tiers) Strength: Up to 3% (Brazil)
Yield on spendable balanceNoThe issuer pays yield, but in a separate productNoThe issuer pays yield, but in a separate product
Access
Apple / Google Pay Strength: Yes (Apple Pay; Google Pay)Yes
Bank account in your nameNoNo
Daily spend limitBased on collateral and tierBrazil card: 25,000 BRL a day at every verification level, 50,000 to 150,000 BRL a month and 200,000 to 600,000 BRL a year by level
ATM withdrawal limitNot available (no cash advances or ATM withdrawals)Brazil card: two free ATM withdrawals a month, then 1.5 USD each
The fine print
  • Up to 3 a day and 30 a month, 3,000 to 7,000 BRL a day and 25,000 to 50,000 BRL a month by verification level
Top-up methodsBTC (cbBTC), ETH (wETH), SOL, JitoSOL, USDC, USDT and xStocks tokenized equities on Solana (collateral for borrowing)BTC, BNB, USDT and 10+ major cryptos
RegionsNo published availability list - x.place documents geography only by exclusion
The fine print
  • Operator: Pontech Group L.L.C-FZ
  • Issuer Third National, named once in each of the US and international card terms, which is the same rail Hyperbeat runs on and the reason both publish an identical blocklist
  • Prohibited: Belarus, China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam
  • Its own two lists of barred US states disagree - 16 in the terms against 19 on the Prohibitions page
  • The 160+ figure is Visa acceptance rather than availability: the homepage reads Visa cards are accepted in 160+ countries
Three programmes
The fine print
  • Brazil and Argentina are local programmes whose FAQs say "Currently we support: Brazil" and "Currently we support: Argentina" respectively
  • Everything else is the Immersve "Global Program": the binance.com/en/cards region selector offers LATAM, CIS, MEA, Australia, New Zealand and APAC, the last four naming no country
  • The fee article's column headers name Colombia, Peru, some CIS region, Armenia and New Zealand, and Australia and Mexico appear in support-article titles
  • Binance publishes no full list: "Eligibility is confirmed at the time of the card application"
  • Not offered in the US or the UK
  • The countries column carries the remaining exclusion
Behind the card
Card issuerThird National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policyNamed in the card termsPomelo S.A., Argentina (BaaS, multi-LatAm)Inferred, not stated by the issuer
Our read
Strengths
  • You hold the keys
  • Free issuance
  • Cashback: Up to 2% (Tiers)
  • Apple Pay and Google Pay
  • Virtual and physical
  • No issuance or annual fee
  • Cashback: Up to 3% (Brazil)
  • Virtual and physical
Trade-offsNothing flagged by these checks
  • Issuer holds your funds

Which scores higher

Xplace leads on the formula, but the score is a sum, and Binance wins some of its terms: Binance charges nothing to issue or hold the card, and Xplace does. If one of those is the thing you care about, read that row above before the score.

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Xplace vs Binance: FAQ

Xplace Card scores higher on the Sweepbase formula, at 4.6/5. What moves the score: self-custody, up to 2% cashback. The formula does not know where you live or how you spend, so check availability and fees for your own case.

Xplace Card: issuance Free, annual Basic free, FX 1% on Basic, 0.5% on Silver, 0.25% on Gold, 0% on Platinum… Binance Card: issuance Free, annual Free, 1-2% FX on non-BRL purchases with the Brazil card, plus… You can compare total annual cost using our fee calculator.

Xplace Card: Up to 2% cashback. Binance Card: Up to 3% cashback (Brazil). Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Xplace Card: Self-custody. Binance Card: Custodial. Xplace Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.

Xplace Card supports Apple Pay and Google Pay. Apple Pay is not confirmed for Binance Card.

Xplace Card: no published availability list. Binance Card: several regions. Check each card's detail page for the full country list.

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