Built to be outgrown
Start free. Each tier raises the ceiling — higher limits, lower borrow rates, more access, and faster support.
Paid tiers per year:
Silver $99
Gold $249
Platinum $999
Full comparison table
Every tier. Every number. One table
Basic
Basic
Silver
Gold
Platinum
Annual fee
Monthly limit
Credit Mode Cashback
FX fee
Concierge
Airport lounges
Fast Track
Private services and events
Basic
Free
$2K
1%
1%
–
–
–
–
Silver
$99/y
$10K
2%
0,5%
Standard
1 visit/year
–
–
Gold
$249/y
$200K
3%
0,25%
Fast-track
4 visits/year
2 free/year
–
Platinum
$999/y
$750K
4%
0%
VIP Priority
Unlimited (1,300+)
5 free/year
Why upgrade
What actually changes when you move up
Higher ceilings
From $2K to $750K a month. The limit should match your balance, not test your patience.
Better economics
Cashback rises with every tier. FX drops to zero on Platinum. The card gets cheaper to use as it gets more premium to hold — the right direction.
Faster response
Same 24/7 support everywhere — but priority changes. On Platinum, your question goes to the front of the line.
Access
Lounges, fast-track security, and private events — plus a personal concierge and bespoke reservations at the top tier.
Platinum
Bespoke services for people who already know what they want
Platinum isn’t a tier — it’s a desk.
Bespoke travel
Flights, hotels, transfers — curated
to your trip, not pulled from a list.
to your trip, not pulled from a list.
Restaurant access
Tables at venues that don’t take
public bookings
public bookings
Lounge fast-track
Unlimited 1,300+ airport lounges. Priority security. Anywhere you fly.
Private events
Invite-only dinners, launches, gatherings — when relevant to you
Bespoke travel
Flights, hotels, transfers — curated
to your trip, not pulled from a list.
to your trip, not pulled from a list.
Restaurant access
Tables at venues that don’t take
public bookings
public bookings
Lounge fast-track
Unlimited 1,300+ airport lounges. Priority security. Anywhere you fly.
Private events
Invite-only dinners, launches, gatherings — when relevant to you
Why the XPlace Card Wins
Most crypto cards make you sell. This one doesn’t
Bank card
Pay from your cash balance
Cash leaves your account
Bank holds your funds
2–3% FX markup
Phone queue support
Typical crypto card
Usually sells your crypto to
cover the charge
cover the charge
Miss future upside
Custody varies by provider
1–3% FX markup
Ticket-based or chatbot support
XPlace 
Borrow against your crypto,
or spend USDC
or spend USDC
Keep exposure to upside
Non-custodial throughout
0% FX
Human support 24/7, every tier
Control
Borrowing that never touches your funds
Your crypto is never ours to hold. When you borrow, your collateral works inside Kamino’s audited smart contracts — transparent, on-chain, and yours again the moment you repay.
Kamino is audited 18+ times with zero bad debt across its history, and your loan-to-value stays visible in the app at all times, with early alerts long before any threshold. No company sits in the middle holding your money.
Instant freeze
One move to lock. One to bring it back
Live notifications
Every transaction, the second it settles
Non-custodial throughout
Your funds live in your own wallet or in audited smart contracts — never with us
Testimonials
Real users. Real traction
Mentioned in threads, podcasts, and reviews — not sponsored
FAQ
Questions worth asking
-
Do I need a paid tier to use XPlace?No. The card, credit line, yield and cashback all work on the free tier. Paid tiers raise the limits and add perks.
-
How am I charged?Annually: Silver $99, Gold $249, Platinum $999 per year. There’s no monthly option.
-
Can I change tiers later?Yes. You can upgrade at any time, and the new tier’s limits and perks apply right away.
-
What changes as I move up?Spending limits, cashback rate, borrow rates, FX fee, and access — lounges, fast-track, concierge, and on Platinum, a private team and private events. Support stays 24/7 with a real person at every tier.