Basic Credit Mode USD
Borrow against BTC, ETH, USDT, JitoSOL or SOL through Kamino on Solana; repayment costs and automatic collateral liquidation risk apply
Net estimate unavailable
Gross rewards before costs / year; eligibility and plan terms apply: $60.00
Still to verify or satisfy: Borrowing costs and obligations; The annual membership fee is included. Credit Mode requires collateral; official reward schedules conflict, FX costs differ between membership and cardholder terms, and borrowing/issuance costs remain unknown. Net estimates are withheld.; Payment and conversion fee; Asset conversion fee; Conflicting sources.
Residence eligibility still needs confirmation.
- Annual fee
- $0.00
- Reward asset
- USDC
Bands, conditions and sources
- 0.50% · above $0.00 / eligible month
The annual membership fee is included. Credit Mode requires collateral; official reward schedules conflict, FX costs differ between membership and cardholder terms, and borrowing/issuance costs remain unknown. Net estimates are withheld.
Current help says USDC cashback subject to a tier cap and merchant exclusions; the May 2026 Terms publish a different rate schedule and accrual basis
- Current help lists 0.5% Credit Mode USDC cashback with a $10 monthly cap; May 2026 Terms publish conflicting rates and reward accrual rules.
- Annual membership is $0/$99/$249/$999 from Basic to Platinum and is included in the modeled yearly fee. The Gold monthly spend limit also differs between marketing ($200K) and Terms ($50K).
- Cash Mode help says rewards are XP rather than cash; Terms publish a cash reward schedule. XP is not assigned monetary value.
- The current membership FX table conflicts with US and international cardholder agreements. Card issuance, ATM and Credit Mode borrowing costs also remain unresolved; source-conflict and credit requirements block net estimates.
- XPlace: Membership ↗
Checked 2026-10-07
- XPlace: Cashback and monthly limits ↗
Checked 2026-10-07 · Current help and marketing pages publish 0.5%-2% Credit Mode cashback and no Cash Mode cash cashback; the May 20, 2026 Terms publish 1%-4% Credit Mode and 0.5%-2% Cash Mode, with a different reward accrual description. Do not calculate a net reward until XPlace reconciles the live offer.