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  5. XPlace Card
XPlace Card
XPlace Card
ID Verification
Virtual Card Mastercard
8.6
Overall
Get This Card
XPlace Card logo

XPlace Card

by XPlace

Get This Card

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
7.0/10
Community ScoreBased on 117 sources
Lv 3
KYC LevelID Verification

Table of Contents

Card Overview

Rewards
Cashback
—
Cashback Crypto
USDC
Staking Rewards
✗
Staking APR
—
Welcome Bonus
—
Referral Bonus
—
Fees
Monthly Fee
Free
Card Issuance
Not disclosed
ATM Fee
Not disclosed
FX Fee
Not disclosed
Top-up Fee
1%
Decline Fee
Not disclosed
Limits
Daily Spend
Not disclosed
Monthly Spend
Not disclosed
ATM Withdrawal
Not disclosed
Card Info
Card Type
Virtual Card, Physical Card
Card Network
Mastercard
Apple Pay
✓
Google Pay
✓
Rewards
Cashback
—
Cashback Crypto
USDC
Staking Rewards
✗
Staking APR
—
Welcome Bonus
—
Referral Bonus
—
Fees
Monthly Fee
Free
Card Issuance
Not disclosed
ATM Fee
Not disclosed
FX Fee
Not disclosed
Top-up Fee
1%
Decline Fee
Not disclosed
Limits
Daily Spend
Not disclosed
Monthly Spend
Not disclosed
ATM Withdrawal
Not disclosed
Card Info
Card Type
Virtual Card, Physical Card
Card Network
Mastercard
Apple Pay
✓
Google Pay
✓

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

7.0/10
Sourced from
@Raul“Sepa incoming always getting rejected without any reason”@@BrainFengShui“There is zero support It makes it risky I need help Ideas? I need to make another card My card does not scan anymore”@MartyMaro“I cannot login anymore My account was not blocked, since I can use my card, but I don't get a confirmation email for my email when I try to login. A different email works fine, Apple Login as well. So I created a new account just to contact support, because you need an account to ask for help (good design omg), and for almost a week support is unable to solve the issue. Very incapable staff, I cannot access my primary account, sorry not sorry! This is ridiculous. Yes I checked Spam, their system doesn't like my private email domain and you can't talk to tech support directly.”@gamplayLOL“Tengo la captura de 12 frases de recuperación pero no tengo el mail de la cuenta necesito poder acceder si me respondiera el soporte porque no tienen canal de soporte y no puedo entrar a la app.”@крутой пацан 167484“app Top App! Bezahlen ist super einfach und das Cashback ist echt gut.”@customer“xPlace is absolute garbage. After paying for a subscription, I wanted to buy the metal card as advertised, only to be told they only have plastic cards available. On top of that, you have to pay extra just to get a card even after subscribing! Customer support is extremely slow to respond. This whole platform feels like a total scam to consumers. I'm taking my annual fee as a painful lesson and will never use this service again.”@Igor Maksim“Been using it together with my regular bank account and surprisingly the experience feels pretty smooth. Transfers in and out worked normally so far.”@Jean Jacques Lecarpentier“Je ne trouve plus mon compte J ai fait plusieurs tentatives rien J ai recréé mon compte vous m avez demandé Est pourtant j ai une carte virtuelle est un RIB Je vois rien sur mon compte Expliquer moi”@Carlton Brunt“I've had a great introduction to xPlafe and highly recommend if possible getting to their gold level Card as it has many benefits to use and I'm grateful for that.”@@lgcs3110“14% de juros pra tomar emprestado! Tá bem pesado.”@Moses Kabarebe“The purchase was smooth and their kyc is not so complicated”@Gavin Y-W“OK communication was interesting usdt only used. Nzd not recognised. I'll uninstall the app, not useful. Thank you very much”@Ryan Prentice“It kicked me out of the app.Sign me out and I have over five thousand dollars on this app.I really hope they get it together.And let me log back in, or i'm gonna actually take legal action”@nick_070_grime“Good Didn’t expect Apple Pay setup to be this quick honestly. Usually new services always have some issues with that part.”@OMIXXION“Among the best I’ve tried… I’ve tried most (if not all) of the crypto banking/lending apps on the AppStore. Over time, the majority of them begin to offer fewer perks for more money. But this one has been the complete opposite. They continue to implement cooler features, better UI/UX, and competitive rates/benefits - without changing their fee structure (as far as I’m aware. I know this platform is still relatively new - especially compared to most of their competitors. But, when it comes to customer service and support - they’ve consistently treated me like I’m their most valuable customer”@Drew Lim“Cashback wast't really important for me at first, but after regular use it's a nice little extra to have in the background.”

Category Breakdown

App Experience
6.6/10
Support Quality
7/10

Features

Not Available

Supported Cryptocurrencies

USDC iconUSDCUSDT iconUSDT