Decaf Card vs Tangem Pay
Decaf CardVisa card on a self-custody USDC wallet.
Tangem PayLower cost at your spend, more cashback, cheaper abroad.
Side by side
Money
SourceDecaf help center, Card FAQ (07.02.2026) · checked November 10SourceTangem Pay fees and limits (08.10.2026) · checked November 10- A year at $500/mo
- Costs/yr
- Costs/yr★
- Cashback a year
- None
- +$60★
- Cashback rate
- —
- 1–2% in USDC
- Paying in another currency
- Up to 2% on non-USD
- 1.5% extra★
- Virtual card
- $5
- First free, then $5
- Physical card
- $90
- $28.82–79.94 delivery
- Cash withdrawal
- No Decaf fee
- 4%
Getting it
SourceDecaf Spend Card terms (effective 06.08.2025) · checked November 10SourceTangem help center, getting started and KYC · checked November 10- For residents of
- 230 countries
- Not published
- ID from another country
- Not for citizens of 1 countries, wherever they live
- Where you live counts, not the country of your ID
- ID accepted
- Identity check in the app (document types not published)
- Not published ('valid government-issued ID', types not named; checked by Sumsub)
- Sign-up
- Decaf app + ID check
- ID check (via Paera)
- Top up from a bank
- Crypto only
- Yes★
Using it
SourceDecaf Spend Card terms (effective 06.08.2025) · checked November 10SourceTangem help center, what is Tangem Pay · checked November 10- Pays in
- Anywhere Visa is accepted; cash-like, crypto and gambling purchases can be blocked
- Anywhere Visa works
- Spending per day
- Not published
- $10,000 a card
- App Store rating
- 4.4 / 5
- 4.9 / 5★
★ marks the better value where there is one. Estimate for everyday spending: most of it in your local currency, topping up with crypto. How we calculate. Every fact with its own source is on the card pages: Decaf Card, Tangem Pay.
