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Penchan
🇺🇸 United States

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XPlace Card

DeFi wallet card: cashback and fees at a glance

United States: available

  • Not available in some US states
XPlace Card card art
Apply for XPlace Card (opens in a new window)

Remember to enter the invite code penchan

Features

  • 🔐 DeFi wallet
  • 🏷️ Credit card

Cashback & fees

How to get it: Credit Mode only

Cashback
0.5%
USDC · Cap US$10/month
FX fee
0–2%
Annual fee
US$0
Other fees
How to get it
Free
Cash Mode earns 0%
FX fee
US terms: 0%
Product docs: Visa 1% plus up to 1% tier fee

See how much you could earn

Drag to see your cashback each month! FX fees are not deducted here.

US$800
US$200US$5,000

—/ month

About — cashback a year

Plan: Basic

Works with

  • Apple Pay Not yet verified
  • Google Pay Not yet verified
  • ChatGPT subscription Not yet verified
  • Claude subscription Not yet verified

Spend it in these places

  • United States
  • Mexico
  • Canada
  • United Kingdom
  • Italy
  • France
  • Dominican Republic

How to apply

  1. Use the button below to sign up with XPlace Card
  2. Enter invite code penchan when you sign up or apply
  3. Pass the issuer's identity check and the card is ready to use
Apply for XPlace Card (opens in a new window)

Invite code penchan

Know before you apply

  • Spending in Credit Mode is a collateralized loan that charges interest; collateral may be partly liquidated if its price falls. 🔗

  • : Lending protocol Drift was hacked and user funds were lost; XPlace switched to Kamino in May. 🔗

  • XPlace does not issue cards in 19 US states, including Arizona, Georgia and Washington. 🔗

Notes

Sources 1 (opens in a new window) 2 (opens in a new window) 3 (opens in a new window) 4 (opens in a new window) 5 (opens in a new window) 6 (opens in a new window) 7 (opens in a new window) 8 (opens in a new window) · Checked: 2026-10-10 · Compiled and cross-checked with the help of Claude, ChatGPT, Grok and Gemini · Spotted a mistake? Let us know

"Available" still means passing the issuer's identity check. Rates, yields and promotions follow the official announcements and can change at any time.

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