Tangem Card
- Well-known hardware wallet provider, convenient all-in-one
- Generous fee structure
- 1:1 USDC to USD conversion
- Apple Pay supported
- Truly awesome customer support, fast and competent
- No Physical Card
- No cashback
- EU not supported yet
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Prepaid Card |
| Denominated In | $ USD |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 USD |
| Monthly Inactivity Fee | 0.00 USD |
| Crypto to USD Crypto->USD Conversion Cost | 0% + Gas Fees |
| Cashback | None |
| Daily Spending Limit | 50,000 USD |
| Daily ATM Withdrawal Limit | N/A (Virtual-Only Card) |
| Foreign Exchange Fee | 1% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Identity VerificationID Verification | KYC Requiredi |
| Crypto Asset Management | Non-Custodial (connect your own wallet) |
| Supported Blockchains | Polygon |
| Supported Cryptocurrencies | USDC |
| Supported Countries | United Arab EmiratesAngolaArgentinaAustraliaBangladeshBurkina FasoBahrain |
Your Tangem Card: enjoy generous fee structure and Apple Pay.
Tangem Card Benefits and Rewards
Tangem card doesn’t offer cashback rewards yet.
..and to clarify, we are talking about the Tangem Visa Card here, not the Tangem Hardware Wallet, which also looks like a card:
If you use the Tangem hardware wallet, you don’t need to send your crypto to an exchange to cash out. You can do it directly inside the Tangem app: just move your crypto onto the card account and spend it in the real world. Nice benefit.
If you are looking for discounts on Tangem Hardware wallet, here you go: 10% off Tangem Promo code: MQPFTT. You can check out the hardware wallet options here: Tangem Wallet. They have beautiful color choices, pleases the eye ☺️.
Let’s move on.
Tangem Card is a Visa Platinum - Here Are the Bonus Perks You Get
Your Tangem Card runs on Visa's Platinum tier and is issued in 🇵🇷 Puerto Rico - which automatically gets you a set of perks straight from Visa, on top of what Tangem offers.
If you pay for your car rental with your Tangem Card and decline the optional insurance upgrade they push at the counter, you'll get Visa Platinum insurance coverage worldwide for theft and collision on rentals up to 31 days, with no deductible.
Note:Since Tangem doesn't have a physical card yet and most rental companies require one at the counter, you may not be able to use this benefit until Tangem launches their physical card.
When you pay for an item with your Tangem Card, Visa automatically adds up to 1 extra year on top of the manufacturer's warranty, free. So a MacBook with a 1-year Apple warranty becomes 2 years of coverage. Works on most electronics and appliances, coverage is up to $10,000 per year.
More Benefits
If you spot the same item advertised at a lower price within 30 days (7 days for online purchases), Visa refunds you the difference, free. So if you buy a PlayStation for $500 with your Tangem Card and see it on sale for $400 a few weeks later, you get $100 back. Works on most retail purchases, with up to $500 back per item and 4 claims per year.
If your laptop gets stolen 3 months after you bought it, Visa covers you - automatically, for free. You must have paid with your Tangem Card, filed a police report within 48 hours, and submitted your claim within 90 days to receive up to $10,000 per year, on most items bought anywhere in the world.
Do I have to sign up with Visa first to qualify for benefits?
Benefits kick in automatically, but you have to pay for your car rentals, electronics, and anything else you want covered, with your Tangem Card.
Registering isn't required, but it makes filing claims much easier later. Go to Visa Benefits Portal, pick Puerto Rico: English at the top, and register your Tangem Card. That gets you in.
Tangem Card is a Prepaid Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
Useful Card Structure:Tangem Card functions like a prepaid card, but on the backend, it is classified as a credit card. This means that while you cannot borrow money with this card, it will work at places requiring pre-authorizations.
Tangem Card carries its own balance, and you'll need to top it up before use.
It should be noted that Tangem doesn't offer a bank account with this card (while some crypto cards do), which means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.
It's Issued Solely in Virtual Form, Lacking a Physical Version
Tangem Card is available solely in virtual format, unlike 30% of crypto cards offering both physical and virtual versions. This means you cannot use it for ATM withdrawals, or at places like car rental companies or hotels that require a physical card for security deposit and identity verification. The virtual card will be issued to you instantly after you complete the KYC Identity Verification.
Wondering about the pros and cons of virtual-only format? Here are some highlights:
No Physical Card | Virtual Card |
|---|---|
| No ATM Withdrawals | Instantly Available, No Waiting for Mail |
| No Card when Hotels or Car Rentals Require it | Ideal for Online Purchases |
| No Card When Phone Dies or no Internet | Environmentally Friendly |
| No Feel-Good Backup Payment Method | No Tangible Item to Misplace |
Cost to Order: 0 USD |
Useful:Since Tangem Card supports Apple Pay, you can still use this card in real life, to pay for everyday purchases.
Crypto-to-USD Conversion Cost with Tangem Card
Tangem Card Requires Pre-Load
Before you can use your Tangem Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to USD and moving it to the card account, to make it available for spending.
| Crypto to Fiat Conversion Fee | 0% |
| Sell Spread | 0% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Gas Fees | vary |
| Total Crypto to USD Cost | 0% + Gas Fees |
Low Cost:Compared to the average ~1.6% crypto-to-fiat cost of other cards, converting crypto with Tangem Card is much more cost-effective (0% + Gas Fees). This means that you will get more USD for your crypto when using this card.
How Does Tangem Make Money? – I see 0% fees here. Am I missing something?
Every time you make a payment with your Tangem Card, the merchant (Starbucks, Amazon, etc.) pays a small fee on that transaction to their bank that operates the POS terminal. This is called the interchange fee. The merchant's bank passes part of that fee to Visa, and they share a portion of it with Tangem.
So while you don't pay a fee directly as a cardholder, Tangem still earns a small amount from every transaction you make - that's how card providers make money.
From all crypto cards we reviewed, KAST Card, Offramp Card and OKX Card offer the cheapest crypto-to-fiat conversions (~0%, ~0% and ~0.1% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Tangem Card Compare to Other Crypto Cards?
Tangem Card ranks #9 out of 72 amongst all the crypto cards we have reviewed so far. This means it's in the Top 30%.
In addition, Tangem Card ranks #3 out of 21 amongst Non-Custodial Crypto Cards.
Strongest Features Against Competitors
Here are the strongest features of Tangem Card against its 71 competitors:
- Offers a generous 50,000 USD daily spend limit (other cards offer 10,000 USD limit on average).
- Their customer service is very good with a 9.4/10 score (others score only 7.4/10 on average).
- You won't be charged any monthly fee (while 20% of other crypto cards charge one, with a median of 1.6 USD per month).
- Their overall fees & limits structure is incredibly generous, with a score of 7.8/10 (average fees & limits structure rating amongst other cards is 6.3/10).
- This crypto card is non-custodial, which means you keep the keys to your crypto assets and can connect your own wallet. You have full control, unlike with custodial cards that manage your crypto assets.
- Offered by a crypto hardware wallet company, so you can hold, convert, and spend your crypto inside one app without needing to withdraw to an exchange.
- Available for residents of United States.
Weakest Features Against Competitors
Compared to its 71 competitors, here are the shortcomings of Tangem Card:
- Doesn't offer any cashback (while other cards give an average of 4%).
- Supports only 1 cryptocurrency, USDC (while other cards support an average of 15).
- Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
- Only available in virtual format (while 30% of competing crypto cards offer both physical and virtual cards).
- Supports only one blockchain, Polygon (while other non-custodial cards support an average of 6 blockchains).
Tangem Card vs. Tria Card vs. Ether.fi Card
Tangem Card
|
Tria Card
|
Ether.fi Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 USD | 1.60 USD | 0.00 USD |
| Crypto to Fiat Cost | 0% + Gas Fees | ~0.4% | 0% + Gas Fees |
| Highest Cashback | None | up to 6% | up to 3% |
| Entry-Level Cashback | None | 1.5% | 3% |
| Daily Spending Limit | 50,000 USD | 1,000,000 USD | 50,000 USD |
| Daily ATM Limit | N/A (Virtual-Only Card) | 750 USD | 750 USD |
| Foreign Exchange Fee | 1% | 0% | 0% |
| Asset Management | Non-Custodial | Non-Custodial | Non-Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 1 | 2 | 4 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Growing | Growing | Growing |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Tria Card offers the highest daily spending limit of 1,000,000 USD. You will get lower daily limits with Tangem Card and Ether.fi Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Tria Card offers the best cashback rewards of up to 6%. The cashback rewards for Ether.fi Card are not as high. With Tangem Card, you will have no cashback rewards at all.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
We Tested Tangem's Customer Support
We asked Tangem's customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
Tangem offers support via the following channels:
| [email protected] |
Location: Tangem customer service reps are located in 
Georgia and 
Portugal.¹
| Support Channel | Our Interaction | Score |
Email (replied in 1 h 54 min) | Clear and detailed reply to a question about USDC-to-USD spread, explaining the 1:1 conversion rate, plus listing all potential fees. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
Email (replied in 5 min) | Quick and honest reply confirming no referral program exists yet, and sent the suggestion to their team - helpful. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
Email (replied in 9 min) | Answered a question about rewards, shared that future rewards program is coming. Quick reply, awesome. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
Email (replied in 11 min) | Gave a regional overview instead of a specific country list, which is understandable but didn't really answer the question. | Moderate Competence Highly Personalized Flawless English, Professional Tone 7.5/10 |
Email (replied in 35 min) | Confirmed that 2FA for online purchases has not been implemented yet. Escalated to 2nd tier support, but still answered quickly. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
To summarize,
Competence and Problem-Solving: More often than not, Tangem's customer service responses are highly competent, proving they're a company that takes your questions seriously.
Customer Love: Tangem's support responses are highly personalized, which makes interactions with them very pleasant. They will address you by name, and carefully consider your unique situation to provide tailored answers that meet your specific needs.
Reply Speed: They respond remarkably quickly, with most of their replies coming within an average of 35 minutes, significantly saving your time.
Overall Customer Service Rating: 9.4/10
This excellent score places Tangem's Customer Service well above the crypto card industry average of 7.4/10.
Tangem Card supports 100+ countries
Is Tangem Card Available for Residents of United States?
Yes, Tangem Card is available for residents of United States.
Tangem Card supports the following countries: Algeria, Angola, Argentina, Australia, Bahrain, Bangladesh, Belize, Benin, Bhutan, Bolivia, Botswana, Brazil, Brunei, Burkina Faso, Burundi, Cabo Verde, Cambodia, Cameroon, Chad, Chile, Colombia, Comoros, Costa Rica, Cyprus, Djibouti, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Eswatini, Fiji, Gabon, Gambia, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Hong Kong, Indonesia, Jamaica, Japan, Jordan, Kazakhstan, Kiribati, Kuwait, Kyrgyzstan, Laos, Lesotho, Liberia, Macao, Madagascar, Malawi, Malaysia, Maldives, Marshall Islands, Mauritius, Mexico, Mongolia, Morocco, Mozambique, Namibia, Nauru, New Zealand, Niger, Oman, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Qatar, Rwanda, Samoa, São Tomé and Príncipe, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Singapore, Solomon Islands, South Africa, South Korea, Sri Lanka, Suriname, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkmenistan, Tuvalu, Uganda, United Arab Emirates, United States, Uruguay, Uzbekistan, Vanuatu, Zambia, Zimbabwe.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 19 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
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