XPlace Card
Spend against your crypto without selling it
European Union: not yet confirmed
Remember to enter the invite code penchan
Features
- 🪙 Spend by borrowing against crypto
- 📈 Annual yield on collateral (variable)
- 🆓️ No annual fee on Basic
- 🤝 Referral rewards for both sides
- 🔐 DeFi wallet
- 🏷️ Credit card
Cashback & fees
How to get it: Free, no minimum 🔗
- Cashback
- 0.5%
- USDC · Up to US$10 cashback a month
- FX fee
- 2%
- Visa 1% + XPlace tier fee 1%
- Annual fee
- US$0
Other fees
- ATM withdrawal
- Not supported (ATM transactions are declined automatically)
- Credit Mode interest
- 13.99% a year
- Bank transfer
- 2%
- In-app coin swap
- 1%
- Issuer
- Third National
Referral reward
- US$5–250 in crypto each for you and the referrer
Sign up through a referral link and activate the card; paid after US$100+ of Credit Mode spend; the amount is random each time
See how much you could earn
Drag to see your cashback each month! FX fees are not deducted here.
—/ month
About — cashback a year
Plan: Basic Cashback counts only Credit Mode spending, which is a loan that charges interest. Estimated from public information; the official terms prevailWorks with
- Apple Pay Supported
- Google Pay Supported
- ChatGPT subscription Not yet verified Not yet verified. Tried it? Let us know
- Claude subscription Not yet verified Not yet verified. Tried it? Let us know
Spend it in these places
- European Union
- United Kingdom
- Türkiye
- United States
- Switzerland
- Spain
- France
How to apply
- Use the button below to sign up with XPlace Card
- Enter invite code penchan when you sign up or apply
- Pass the issuer's identity check and the card is ready to use
Invite code penchan
Know before you apply
Notes
"Available" still means passing the issuer's identity check. Rates, yields and promotions follow the official announcements and can change at any time.
Disclaimer and disclosures: this page may contain referral links, and this site may earn a commission. For information only, not investment advice.
This page is for general information and education only. It is not investment, legal, tax, or professional advice. Markets and regulations may change at any time, and the information reflects conditions at the time of writing.
Penchan is not a registered securities investment adviser. Any securities, digital assets, or financial products mentioned are covered for informational purposes only and are not buy or sell recommendations. Make your own decisions and accept your own risk.
This page may contain partner or referral links. If you register for or use a service through these links, this site may receive a commission, paid by the provider. Actual fees and offers are subject to the provider's own terms.
Check the exchange's regulatory status in Taiwan (for example, whether it has completed anti-money-laundering registration; Taiwan's Virtual Asset Service Act was promulgated in July 2026, and as of September 2026 its licensing regime is not yet in force). Virtual assets are not covered by Taiwan's deposit insurance. A platform may fail, freeze assets, or be hacked, and remedies may be limited. Assess the risks carefully.
See this site's Legal Notice and Disclosures and Privacy Policy.