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Comparing Xplace Card and OKX Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Xplace rates 4.6/5, slightly ahead of OKX at 4.2/5. Both are solid options, but Xplace is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual only |
| Network | Visa Credit | Mastercard Debit |
| Custody | Self-custody | Custodial |
| Costs | ||
| Issuance fee | Free | Free |
| Annual fee | Basic free; Silver $99/yr; Gold $249/yr; Platinum $999/yr (tier grid verified x.place 2026-07-22) | Free |
| FX fee | 1% FX on international transactions (Silver/Gold tiers); 0% FX on Platinum ($999/yr) | 0.1% conversion spread (official docs); no transaction or FX fees |
| Rewards | ||
| Cashback | Up to 4% (Tiers) | 2-4% (VIP tiers) |
| Yield on spendable balance | NoThe issuer pays yield, but in a separate product | Yes |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | No | 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 | 30+ Solana-based assets including SOL BTC ETH USDC USDT (collateral for borrowing) | USDC, USDG stablecoins from OKX Pay account |
| Regions | No published availability listNo published availability list - x.place documents geography only by exclusion. 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 | 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 |
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| Trade-offs | Nothing flagged by these checks |
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| Get Xplace Card | Get OKX Card | |
Xplace Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike OKX where the issuer holds your funds. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, OKX may be better if you need something it does better.
In short: Xplace Card (4.6/5) is the stronger option for most people compared to OKX Card (4.2/5).
