We can’t pick an overall winner yet: at least one of these cards doesn’t have enough verified data for a score.
Head-to-head
| Feature | RedotPay | Tangem | Better |
|---|---|---|---|
| Cashback without staking | Not verified | 1% | — |
| Best cashback | Up to 3% | Up to 2% | RedotPay |
| Issuance fee | $10 | Free | Tangem |
| Monthly fee (entry tier) | Free | Free | Tie |
| FX fee (entry tier) | 1.2% | Not verified | — |
| Available in US | Not available | With restrictions | Tangem |
| Available in UK | Available | Not available | RedotPay |
| Available in EEA | With restrictions | Not available | RedotPay |
| Network | Visasource | Visasource | — |
| Card type | Debit / credit | Prepaid · self-custody | — |
| Staking or paid plan for best rate | No | Yes | — |
| Top-up | Crypto deposit: not stated; 3% (min $1) via credit/debit cardsource | Bank transfer: ACH $1 (free on Plus), Fedwire flat fee ($10 or $11 per different pages); crypto top-ups: network feessource | — |
| Free ATM per month | No free allowance: 2% (USD card, up to $10,000/mo, then 3%); 2% HKD cardsource | None free: 4% fee on Basic, 2% on Plus (contactless ATMs via Apple Pay/Google Pay; max $250 per withdrawal)source | — |
Built from the verified facts in each review. “Better” is blank when either value is unverified.
Rewards compared
RedotPay: entry-tier cashback Not verified, best rate Up to 3%source, paid in USDssource.
Tangem Pay: entry-tier cashback 1%source, best rate Up to 2%source, paid in USDC (Polygon)source. The best rate needs a token stake, holding or paid plan.
Fees compared
Example: you spend $1,000 a month on the entry tier, 20% of it in a foreign currency, and fund the card for free. Yearly result = entry-tier cashback − FX fees − monthly fees × 12.
| Card | Cashback | FX fees | Card fees | Net per year |
|---|---|---|---|---|
| RedotPay | Can’t calculate: a fee or rate is not verified | |||
| Tangem Pay | Can’t calculate: a fee or rate is not verified | |||
Ignores issuance fees, ATM use, caps and token price moves. Fees are in each issuer’s currency for the region shown in the review. Run your own numbers.
Availability
| Region | RedotPay | Tangem |
|---|---|---|
| US | Not available | With restrictions |
| UK | Available | Not available |
| EEA | With restrictions | Not available |
Both issuers require identity verification (KYC). Not legal advice; an issuer can refuse any applicant.
Choose RedotPay if…
- You can reach the top tier: the best advertised rate is 3%.
- You live in the UK, where RedotPay can be issued and Tangem Pay is not offered.
- You live in the EEA, where RedotPay is available with restrictions and Tangem Pay is not offered.
- You are looking for a card for stablecoin spending outside the US.
Choose Tangem Pay if…
- You want to keep fixed card fees as low as possible.
- You live in the US, where Tangem Pay is available with restrictions and RedotPay is not offered.
- You are looking for a card for Tangem wallet users outside Europe who spend in stablecoins.
FAQ
Which is better, RedotPay or Tangem Pay?
We can’t pick an overall winner yet: at least one of these cards doesn’t have enough verified data for a score.
Can I get RedotPay or Tangem Pay in the US?
RedotPay: Not available. Tangem Pay: With restrictions. Availability can change; check the issuer’s site before applying.