Xplace Card vs OKX Card: 2026 Comparison
Comparing Xplace Card and OKX 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 rates 4.6/5, ahead of OKX at 4.2/5. The gap is 0.4 of a point: a few line items in the formula, not a different class of card. What moves the score for Xplace: self-custody, up to 2% cashback.
Xplace:
OKX:
Side by side
| Feature | Xplace Card 4.6 out of 5, Sweepbase rating Get card Xplace Card | OKX Card 4.2 out of 5, Sweepbase rating Get card OKX Card |
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical. Physical cards are live for Silver; Gold and Platinum physical cards are coming soon | Virtual only |
| Network | Visa Credit | Mastercard Debit |
| Custody | Strength: Self-custody | Custodial |
| Costs | ||
| Issuance fee | Strength: Free | Strength: Free |
| Annual fee | Basic free; Silver $99/yr; Gold $249/yr; Platinum $999/yr | Strength: Free |
| FX fee | 1% on Basic, 0.5% on Silver, 0.25% on Gold, 0% on Platinum ($999/yr) | 0.1% conversion spread in the EEA, no transaction or FX fee; Brazil has no FX fee or IOF, and buying stablecoins with BRL costs up to 1.5% |
| Rewards | ||
| Cashback | Strength: Up to 2% (Tiers) | Strength: 2-10% (VIP tiers) |
| Yield on spendable balance | NoThe issuer pays yield, but in a separate product | Strength: Yes |
| Access | ||
| Apple / Google Pay | Strength: Yes (Apple Pay; Google Pay) | Strength: Yes (Apple Pay; Google Pay) |
| Bank account in your name | No | Strength: SEPA via MiCA/PSD2 Malta PI license (EU); IBAN not explicitly confirmed per user |
| Daily spend limit | Based on collateral and tier | Based on verification and tier |
| ATM withdrawal limit | Not available (no cash advances or ATM withdrawals) | Not available (virtual card only) |
| Top-up methods | BTC (cbBTC), ETH (wETH), SOL, JitoSOL, USDC, USDT and xStocks tokenized equities on Solana (collateral for borrowing) | USDC or USDG held in OKX Pay (EEA); USDG, USDC or USDT in OKX Pay, bought with BRL if needed (Brazil) |
| Regions | No published availability list - x.place documents geography only by exclusionThe fine print
| EEA + Brazil |
| Behind the card | ||
| Card issuer | Third 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 terms | Monavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania)Named in the card terms |
| Our read | ||
| Strengths |
|
|
| Trade-offs | Nothing flagged by these checks |
|
Which scores higher
Xplace leads on the formula, but the score is a sum, and OKX wins some of its terms: the balance OKX spends from earns yield, and the one Xplace spends from does not; OKX 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.
Xplace vs OKX: 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… OKX Card: issuance Free, annual Free, 0.1% conversion spread in the EEA, no transaction or FX fee. You can compare total annual cost using our fee calculator.
Xplace Card: Up to 2% cashback. OKX Card: 2-10% cashback (VIP tiers). Rates can depend on tier, staking or caps, so check each card's page for the conditions.
Xplace Card: Self-custody. OKX 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. OKX Card supports Apple Pay and Google Pay.
Xplace Card: no published availability list. OKX Card: EEA + Brazil. Check each card's detail page for the full country list.