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Data is provided for informational purposes only. Always do your own research.

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  5. XPlace Card
XPlace Card
XPlace Card
ID Verification
Virtual Card Mastercard
8.6
Overall
Visit Website
XPlace Card logo

XPlace Card

by XPlace

Virtual Cardβ€’Mastercardβ€’ID Verification
Visit Website

XPlace Card is Solana's first true credit card, letting you spend against collateral without selling crypto. The dual Credit/Deposit modes and token reward airdrops appeal to DeFi-native users comfortable with smart contract risk.

Pros

  • +Credit mode lets you spend without selling crypto
  • +Rewards paid in crypto tokens (BONK, PYTH, JUP)
  • +XP system tied to Q4 2026 token airdrop
  • +Competitive 1% FX fee on international purchases
  • +Lifestyle perks including airport lounges

Cons

  • -Smart contracts not publicly audited
  • -Interest rates on credit not published
  • -Based in Dubai UAE - regulatory considerations
  • -Annual membership fees for premium tiers
  • -DeFi protocol risk - not FDIC insured
8.6/10
OverallExcellent
6.7/10
Community ScoreBased on 34 sources
Lv 3
KYC LevelID Verification

Table of Contents

Card Overview

Rewards
Cashback
β€”
Cashback Crypto
USDC
Staking Rewards
βœ—
Staking APR
β€”
Welcome Bonus
β€”
Referral Bonus
β€”
Fees
Monthly Fee
Free
Card Issuance
Free
ATM Fee
Free
FX Fee
Free
Top-up Fee
1%
Decline Fee
Free
Limits
Daily Spend
Unlimited
Monthly Spend
Unlimited
ATM Withdrawal
Unlimited
Card Info
Card Type
Virtual Card, Physical Card
Card Network
Mastercard
Apple Pay
βœ“
Google Pay
βœ“
Rewards
Cashback
β€”
Cashback Crypto
USDC
Staking Rewards
βœ—
Staking APR
β€”
Welcome Bonus
β€”
Referral Bonus
β€”
Fees
Monthly Fee
Free
Card Issuance
Free
ATM Fee
Free
FX Fee
Free
Top-up Fee
1%
Decline Fee
Free
Limits
Daily Spend
Unlimited
Monthly Spend
Unlimited
ATM Withdrawal
Unlimited
Card Info
Card Type
Virtual Card, Physical Card
Card Network
Mastercard
Apple Pay
βœ“
Google Pay
βœ“

KYC Requirements

Level: ID Verification
Email Verification
Required
Phone Verification
Required
Identity Document
Required
Proof of Address
Not Required
Selfie Verification
Not Required

Community Score

6.7/10
Sourced from
@jammastermikeβ€œfantastic app, love it, crazy apy!”@DON KELLYβ€œGreat experience with lots of features.”@Omar Vaughnβ€œI like this app so far but it keeps saying it needs to be updated.”@Jose Tovarβ€œdo not deposit money in account. there is no way to get it out. scam”apps.apple.comapps.apple.comapps.apple.com@Civil_Swing7069β€œJoin XPlace the only self-custody crypto credit card that lets you spend without selling + earn up to 16% APY”reddit.com@coopdudeβ€œGenerally for these crypto cards rewards rates like these are dependent on growing marketshare. Once crypto goes sour they often nerf into the ground.”reddit.com@ChiMelloβ€œIt may not be a scam site but that does not mean scammers do not utilize it for job scams or fake check scams”reddit.comtekedia.comtradingview.comdecrypt.co@zelinweb3@zelinweb3spendnode.iospendnode.iokkinvesting.io@ItsRagnarβ€œThe Only Crypto Card You will Ever Need - calls it the AMEX of crypto, low fees, self-custody, 16% APY”docs.x.placedocs.x.placedocs.x.placedocs.x.placedocs.x.placedocs.x.placeneobanque.chneobanque.chneobanque.chneobanque.chneobanque.chamborellaorganics.com

XPlace Card scores 6.7/10 across community sources from two independent research reports (Gemini and Grok). The card earns praise for its high-yield APY (up to 20%), tax-efficient credit mechanics via collateralized borrowing at 3.49% APR, and dual USDC + XP cashback rewards. Users in the Solana ecosystem highlight smooth onboarding, Apple/Google Pay support, and airdrop farming potential via the upcoming xpSOL TGE. However, significant concerns persist: a 1% transaction fee on every purchase erodes net rewards for low spenders, the platform exhibits a stark custody contradiction (marketing self-custody on Android while iOS states institutional-grade custody), and verified users report total withdrawal lockups with unresponsive support. Legal documentation including Terms of Service and Privacy Policy are inaccessible on the open web, and the Google Play Data Safety form falsely claims no data is collected. The 20% APY sustainability remains a major open question given historical precedents of yield-driven platform insolvencies.

Category Breakdown

KYC Simplicity
8/10
Fee Efficiency
7/10
Reward Value
8/10
App Experience
7/10
Privacy
5/10
Support Quality
5/10

Features

Not Available

Supported Cryptocurrencies

USDC iconUSDCUSDT iconUSDT
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