Basic USD
Fund the self-custodial Tangem Pay account with USDC or USDT; network gas may apply
Rewards minus modeled costs / year
$120.00
Rewards: $120.00 · Costs: $0.00
Effective return: 1%
Use the eligible-spending percentage to exclude purchases below $30 and other excluded spend. Residence is still unverified.
Residence eligibility still needs confirmation.
- Annual fee
- $0.00
- Reward asset
- USDC
Bands, conditions and sources
- 1% · above $0.00 / eligible month
Purchases under $30 do not earn rewards. The estimate uses your eligible-spend share to approximate the purchase minimum and excluded merchant categories; in-person purchases in countries named in the terms also do not earn cashback.
The calculation uses your eligible-spending percentage; it does not reconstruct each purchase amount.
Cashback is paid as USDC to the Tangem Pay balance between the 2nd and 5th of the following month; it is for card spending and cannot be redeemed to an external wallet.
- Basic has no monthly account fee.
- The estimate uses the first virtual card: the tariff lists $0 for first issuance, $5 for additional virtual cards, and $1 for replacement. Physical-card delivery is priced by destination, while the help page says physical cards are not yet available.
- The current tariff lists $0 purchase transaction fees and a 1.5% fee on non-USD transactions. Basic ACH is $1 and FedWire is $11; Plus bank transfers are free where offered. Direct USDC/USDT top-ups can incur variable network gas; a net example assumes an already-funded balance unless you enter top-up costs.
- ATM fee is 4% on Basic and 2% on Plus. The tariff says usage type can add fees or change limits, so ATM scenarios remain incomplete. USDC rewards are shown at USD face value; depeg and network costs are not modeled.
- Tangem: Tangem Pay tiers ↗
Checked 2026-10-07
- Tangem: Tangem Visa tariff ↗
Checked 2026-10-07
- Tangem: Tangem Pay cashback terms ↗
Checked 2026-10-07
How spending changes the result
| Monthly spend | Modeled annual net |
|---|---|
| $0.00 | $0.00 |
| $250.00 | $30.00 |
| $500.00 | $60.00 |
| $1,000.00 | $120.00 |
| $2,000.00 | $240.00 |
| $5,000.00 | $600.00 |
| $10,000.00 | $1,200.00 |