Quick Summary
Key Features
- Non-custodial crypto-backed credit: borrow USDC against collateral (up to 80% LTV) and spend without selling; no credit check
- Collateral keeps earning yield (up to ~12% APY) while you spend; up to $750K credit line
- Up to 2% cashback in real USDC (Platinum, Credit Mode, capped $250/mo); category boosts: 10% AI subscriptions, 10% airlines, 5% rides
- 0% FX on Platinum (as low as 1% otherwise); Apple Pay & Google Pay; instant freeze; 24/7 human support
Main Advantages
- 2.0% cashback on eligible spend
- Works with Apple Pay and Google Pay
- Both virtual and physical card options
Notable Limitations
- Availability limited to a small number of regions
- Terms change often — the provider's live numbers are final
The cards
Every format XPlace issues — pick the one that fits how you spend.
XPlace Virtual
XPlace Physical
1Can I get this card?
Supported Countries Map — powered by our availability data.
XPlace: Reported in 1 country across 1 region (United States).
Coverage reported by the provider — the exact applicant list is confirmed in-app.
2What does it cost?
Every fee we could verify for the XPlace card.
Fees verified October 13, 2026 from public web sources. Fees change often — always confirm the app's live numbers before signing up. This page is for information only, not financial advice.
| Fee | XPlace Virtual | XPlace Physical |
|---|---|---|
| Issuance fee | unverified | unverified |
| Monthly fee | $0 | $0 |
| FX fee | Varies by region — confirm in-app | Varies by region — confirm in-app |
3What do I get?
Perks, rewards and capabilities that come with the card.
| Category | Benefit |
|---|---|
| Rewards | 2.0% cashback on eligible spend |
| Perks | Non-custodial crypto-backed credit: borrow USDC against collateral (up to 80% LTV) and spend without selling; no credit check |
| Perks | Collateral keeps earning yield (up to ~12% APY) while you spend; up to $750K credit line |
| Rewards | Up to 2% cashback in real USDC (Platinum, Credit Mode, capped $250/mo); category boosts: 10% AI subscriptions, 10% airlines, 5% rides |
| Mobile wallets | 0% FX on Platinum (as low as 1% otherwise); Apple Pay & Google Pay; instant freeze; 24/7 human support |
| Rewards | Silver physical cards live; Gold and Platinum physical coming; XP rewards program |
4What do they need from me?
What you will have to provide or meet to get and use the card.
| Requirement | What it means |
|---|---|
| Identity check | ID verification required — verify your identity in the app before ordering |
| Funding | You will need a way to load the card: Crypto collateral deposits into Kamino Finance lending vaults (Solana), USDC deposits for Cash Mode spending |
| Age | You must be 18 or older to apply |
Card specs
| Feature | XPlace |
|---|---|
| Virtual card issuance | unverified |
| Monthly / annual fee | $0 |
| Card network | Visa |
| Card type | Virtual + Physical |
| KYC | ID verification required |
| Top-up methods | Crypto collateral deposits into Kamino Finance lending vaults (Solana), USDC deposits for Cash Mode spending |
| Supported assets | SOL, BTC (cbBTC), ETH (wETH), JitoSOL |
| Regions | United States |
Rating breakdown
Pros & cons
Pros
- Non-custodial crypto-backed credit: borrow USDC against collateral (up to 80% LTV) and spend without selling; no credit check
- Collateral keeps earning yield (up to ~12% APY) while you spend; up to $750K credit line
- Up to 2% cashback in real USDC (Platinum, Credit Mode, capped $250/mo); category boosts: 10% AI subscriptions, 10% airlines, 5% rides
- 0% FX on Platinum (as low as 1% otherwise); Apple Pay & Google Pay; instant freeze; 24/7 human support
Cons
- Availability varies by region — confirm in-app
- Fees may change — check live numbers
Frequently asked questions
How much does the XPlace virtual card cost?
The virtual card issuance fee is listed as unverified. Virtual card issued in minutes after KYC; membership tiers include Silver/Gold and Platinum ($999/yr). Fees change often — confirm in the app.
Which countries support XPlace?
XPlace is available in: United States. Visa acceptance in 160+ countries; exact onboarding eligibility varies by region.
Does XPlace require KYC?
ID verification is required for this platform based on our research. Requirements can vary by region — check the app for your country.
What can I top up the XPlace card with?
Supported top-up methods: Crypto collateral deposits into Kamino Finance lending vaults (Solana), USDC deposits for Cash Mode spending.
Our verdict
XPlace scores 7.0/10 in our rating system. Non-custodial Visa credit card on Solana — borrow against your crypto, keep earning yield, and get up to 2% back in real USDC.
Get the XPlace card
Apply directly with the provider — check current fees and availability for your country in their app.
Visit XPlace's official site →Fees verified October 13, 2026. Always confirm live numbers in-app.
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