Takenos Card (TakeCard) vs Tangem Pay
How does Takenos Card (TakeCard) compare to Tangem Pay? A side-by-side look at fees, rewards, custody and availability.
Higher score: Tangem Pay · provisional, see how we rate
Quick answer. Takenos Card (TakeCard) and Tangem Pay are both crypto cards — here's how they differ. Key differences: custody model (Takenos Card (TakeCard): Custodial vs Tangem Pay: Self-custodial). Our provisional scoring rates Tangem Pay higher (8/10 vs 6.7/10), but the best pick depends on your country and how you spend.
| Feature | Takenos Card (TakeCard) | Tangem Pay |
|---|---|---|
| Our score | 6.7/10 | 8/10 |
| Type | Prepaid | Virtual |
| Networks | Visa | Visa |
| Rewards | — | Tiered cashback: Basic 1% (cap $100/mo), Plus 2% (cap $300/mo), Prestige 4% (cap $1,000/mo) |
| Annual fee | — | Basic $0/mo; Plus $29.99/mo (waived with $4,500 monthly spend or $65,000 in Yield Mode); Prestige $999/year |
| FX fee | USD payments 1:1 with no adjustment; other currencies at the official Visa exchange rate (no markup stated) | — |
| ATM fee | ~USD 5 (varies by location) | Basic 4%, Plus 2%, Prestige 1% |
| KYC | — | Full |
| Custody | Custodial | Self-custodial |
| Supported coins | USDC, USDT | USDC |
| Availability | Argentina (also Latin America); card issued in the USA | Select countries across USA, LATAM, APAC, MEA and Africa |
| Apple / Google Pay | Yes | Yes |
When choosing between the Takenos Card (TakeCard) and Tangem Pay, your decision will largely depend on your priorities regarding fees, rewards, and custody preferences. Both cards offer unique benefits and drawbacks, so let’s break down which might be the better fit for you.
Choose Takenos Card (TakeCard) if…
- You want to fund your card with stablecoins: Takenos Card allows you to fund your card with USDC and USDT, providing flexibility if you hold these stablecoins.
- You need a card for international spending with no currency adjustment: The card offers USD payments at a 1:1 rate with no markup, making it a good choice for international transactions in USD.
- You prefer a card with no monthly or annual fees: Takenos Card does not have a published annual fee, which can be beneficial if you want to avoid recurring charges.
- You want instant access to a virtual card: Takenos Card provides a virtual card instantly, which can be convenient for immediate use.
- You use Apple Pay or Google Pay: The card supports both of these mobile payment platforms.
Choose Tangem Pay if…
- You prioritize self-custody of your assets: Tangem Pay is self-custodial, meaning your funds stay in your own smart contract, offering greater control and security.
- You want to earn cashback on your spending: Tangem Pay offers tiered cashback, with up to 4% cashback on the Prestige tier, though it comes with a higher fee.
- You are comfortable with a fully KYC-compliant platform: Tangem Pay requires full KYC, which may be a consideration for those concerned about privacy.
- You spend primarily in USDC: The card is limited to USDC for funding, which may be a drawback if you hold other cryptocurrencies.
- You are willing to pay for higher tiers to access better benefits: The Plus and Prestige tiers offer lower ATM fees and higher cashback, but they come with monthly or annual fees.
Bottom line
Ultimately, the choice between Takenos Card and Tangem Pay hinges on your specific needs and preferences. If you value a card with no monthly fees, international spending in USD, and the ability to fund with multiple stablecoins, Takenos Card might be the better option. However, if you prioritize self-custody, cashback rewards, and are willing to pay for higher tiers to access better benefits, Tangem Pay could be more suitable. For more detailed comparisons, visit our how we rate page.