Image: Tangem
Tangem Pay Card review: fees, cashback and limits
The hardware wallet maker's Visa card, with up to 2% back in USDC and US bank transfers.
Quick answer
Tangem Pay is a Visa card from hardware wallet maker Tangem that spends USDC and USDT you move in from your Tangem wallet. The Basic plan is free with 1% cashback, capped at $100 a month. Plus costs $29.99 a month (free if you spend $4,500 a month) and pays 2%, capped at $300. Virtual cards come first, and physical cards opened for ordering in October 2026. Tangem adds no transaction fee on purchases; Visa's rate applies on non-USD spending. ATM cash costs 4% on Basic and 2% on Plus.
Tangem Pay at a glance
| Best for | Tangem wallet users who want a card with stablecoin cashback and US bank transfers. |
|---|---|
| Skip it if | You need cheap ATM cash, or you want a full country list before you sign up. |
| Network | Visa (Platinum on Basic, Signature on Plus) |
| Card issuer | Third National, with Paera as program manager |
| Custody | Hybrid. Your keys stay in the Tangem wallet, but money you move to Tangem Pay sits in a card account. |
| Card type | Prefunded debit |
| Virtual or physical | Virtual and physical (up to 3 cards on Basic and 5 on Plus, counting both) |
| Cashback | 1% to 2% in USDC |
| Annual fee | Basic free. Plus $29.99 a month, waived when you spend $4,500 in the month. |
| Apple Pay / Google Pay | Yes / Yes |
| Identity check (KYC) | Required |
| Where it works | Available in many countries, but Tangem doesn't publish a full list. Physical cards ship only to supported, verified countries of residence. |
Tangem Pay fees
| Card cost | Virtual card free; extra virtual cards $5. Physical card: delivery quoted by country in the app. Plus waives your first physical delivery. |
|---|---|
| Annual or membership fee | Basic free. Plus $29.99 a month, waived when you spend $4,500 in the month. |
| FX and cross-border | No Tangem markup. Visa's exchange rate applies on non-USD purchases, and a cross-border fee may apply. |
| Crypto conversion | No monthly account fee or standard transaction fee on purchases |
| ATM withdrawals | 4% on Basic, 2% on Plus. Up to $250 per withdrawal and 3 per 24 hours. Contactless ATMs and eligible cards only. |
| Other fees | US bank deposits by ACH or Fedwire on Basic: $1 or $11. Free on Plus. |
| Bank withdrawals to US accounts by ACH or Fedwire, fee shown before you confirm |
Visa applies its own exchange rate on top of any card markup. Check the fee page in the Tangem Pay app for your country before you load money. To see what Tangem Pay would cost you in a year compared with every other card, try the cost calculator.
What a $100 purchase costs with Tangem Pay
These are Tangem Pay's own fees on the Basic tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 0% is lower than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 37 of them. For a full year based on your own spending, use the cost calculator.
Cashback and rewards
- Basic 1%, capped at $100 a month. Plus 2%, capped at $300 a month.
- Only purchases of $30 or more count
- Paid in USDC on Polygon after each billing cycle
| Tier | Price or requirement | Cashback | Notes |
|---|---|---|---|
| Basic | Free | 1%, max $100 a month | Visa Platinum, 4% ATM, $10,000 daily limit |
| Plus | $29.99/month or free at $4,500 spend | 2%, max $300 a month | Visa Signature, 2% ATM, $50,000 daily limit, purchase protection, first physical delivery free |
Deposits and withdrawals
How to top up
- USDC or USDT on Polygon, Base, Arbitrum or BNB Smart Chain, sent from your Tangem wallet or an exchange
- US bank transfers by ACH or Fedwire where the app offers them
Fees: No Tangem fee for crypto top-ups. Network fees apply. Bank deposits $1 (ACH) or $11 (Fedwire) on Basic, free on Plus.
How to withdraw
- Send USDC or USDT back to your Tangem wallet
- ACH or Fedwire to a US bank account, up to $10,000 per transfer
- ATM cash with a physical or eligible card
Fees: ATM 4% (Basic) or 2% (Plus). Bank transfer fees shown before you confirm.
Supported assets: USDC and USDT on Polygon, Base, Arbitrum and BNB Smart Chain.
Where Tangem Pay works
Available in many countries, but Tangem doesn't publish a full list. Physical cards ship only to supported, verified countries of residence.
Check the Tangem app. Sanctioned countries are excluded.
Limits and perks
Limits
- Daily spending per card: $10,000 on Basic, $50,000 on Plus
- ATM: $250 per withdrawal, 3 per 24 hours
- Bank withdrawals: $10,000 per transfer
Perks
- Plus: purchase protection, price protection and extended warranty cover
- Plus: free first physical card delivery
Pros and cons
What's good
- No transaction fee on purchases
- USDC cashback, with a free plan
- Keys stay in your Tangem wallet until you move money to the card
- US bank deposits and withdrawals
What's not
- Expensive ATM cash: 4% on Basic
- Plus costs $29.99 a month unless you spend $4,500
- $30 minimum purchase for cashback
- No published country list
Our take on Tangem Pay
Tangem is best known for its card-shaped hardware wallets, and Tangem Pay adds a Visa card to the same app. Your crypto stays in your Tangem wallet until you move USDC or USDT into the Tangem Pay account, which is what the card spends. Virtual cards came first, and physical cards opened for ordering on 9 October 2026, starting with a white limited-edition design.
The free Basic plan pays 1% back in USDC on purchases of $30 or more, up to $100 a month. Plus costs $29.99 a month and doubles that to 2%, up to $300, but Tangem waives the fee in any month you spend $4,500. Below that, Plus only makes sense if the extra cashback beats the fee: you'd need about $3,000 a month of qualifying spending just to break even.
Day to day it's cheap. Tangem adds no transaction fee and no markup of its own, and US users can move money in and out by ACH or Fedwire. ATM cash is the weak spot at 4% on Basic, so $200 costs $8 before the ATM's own fee.
A good stablecoin card for Tangem wallet owners, especially on the free Basic plan. Skip it if you need cheap cash.
How we scored Tangem Pay: 6.3/10
MethodologyRecent Tangem Pay updates
All newsTangem Pay opens physical card orders
Tangem Pay users can now order a plastic Visa in supported countries, with delivery priced by country and the first delivery free on the Plus plan. ATM withdrawals cost 4% on Basic and 2% on Plus, up to $250 each and three per day.
Tangem Pay FAQ
Does Tangem Pay have a physical card?
Yes. Physical cards opened for ordering on 9 October 2026 in supported countries. Delivery is priced by country in the app, and the Plus plan waives your first delivery.
How much does Tangem Pay cost?
Basic is free. Plus costs $29.99 a month, and Tangem waives it in any month you spend $4,500.
What are Tangem Pay's ATM fees?
4% of the withdrawal on Basic and 2% on Plus, with up to $250 per withdrawal and three withdrawals per 24 hours.
Which coins can I load onto Tangem Pay?
USDC and USDT on Polygon, Base, Arbitrum and BNB Smart Chain. Sending any other token or using the wrong network can lose the funds.
Sources
- Tangem Help Center: Basic and Plus tiersPlan prices, cashback caps, limits, checked Oct 17, 2026
- Tangem Help Center: funding, withdrawals and feesNetworks, ATM and bank transfer fees
- Tangem: Tangem Pay physical cards are herePhysical card ordering, card limits per plan, Oct 2026
- The Paypers: Tangem launches physical Visa cardLaunch, cashback, limits, Oct 7, 2026
We checked these sources on 17 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.
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