Crypto card review
Tangem Pay review: fees, limits and KYC
Tangem Pay is a virtual card on the visa network. It has no annual fee. It pays 4% cashback on spending. The provider requires identity verification before issuing it. The provider lists the United States as a supported region.
VisaVirtualKYC required
Crypto card fees on Tangem Pay, and what it offers
Three fields decide what Tangem Pay costs: the annual fee, the issuance fee and the top-up fee. For this card the dataset holds an annual fee of Free, an issuance fee of Free and a top-up fee of Free. Top-up is the one that recurs, because it is charged each time value is moved onto the card, which is why it costs more over a year than the annual fee usually does. Tangem Pay publishes an ATM limit of $250, which is the most it will hand out in cash.
| Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|
| Visa | Virtual | Required | Free | Free | Free | 4% | $250 | Apple Pay, Google Pay | Yes |
A dash in this table means the provider dataset holds no value for that field. It does not mean the fee is zero. Fee and limit data was last updated 2026-10-02.
Where Tangem Pay is available
The provider lists Worldwide as supported, and excludes GB, DE, FR, IT, ES, NL, BE, AT and 13 more. Availability is the first thing to check, because a lower fee does not help if the provider will not issue to you.
What you can spend from Tangem Pay
The provider supports these assets directly on the card: USDC. Anything not on that list has to be converted before you spend it, and the conversion fee applies.
The trade-offs on Tangem Pay
These are read straight off the fields in the table above, not opinions.
What works in your favour
- No annual card fee
- Free card issuance
- No top-up fee
- 4% cashback on spending
What costs you
- Identity verification required
- Virtual card only
Cards to compare Tangem Pay against
Available in the country you are browsing from, on the same fields as the table above.
| Card | Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|---|
| Plasma One | Visa | Virtual, Physical | Required | Free | Free | Free | 2% | — | Apple Pay, Google Pay | Yes |
| Kardpay Card | Mastercard | Virtual | — | Free | $29 | 5% | 0-2% | $1,500 · daily | — | Yes |
| Zero Fiat Browser Extension | Mastercard | Virtual | Not required | Free | Free | Free | 1% | — | — | Yes |
Tangem Pay in context
- Best crypto cards by annual fee, cashback and coverage
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Cashback 4%, top-up Free, annual fee Free. Provider terms change on their own schedule; confirm anything you rely on with the provider before you fund an account.