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Updated for August 2026
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XPlace Silver

#27
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XPlace Silver card

XPlace Silver costs $99 a year and lifts the monthly ceiling tenfold to $20,000 while doubling Credit Mode cashback to 2%. It adds a standard concierge and one free airport lounge visit a year. The catch: 0% FX is still reserved for Platinum, and the lounge allowance is a single visit.

Get XPlace Silver

Availability

Pakistan — Not availableAlbania — Not availableAngola — Not availableArgentina — Not availableAustria — Not availableAustralia — Not availableSerbia — Not availableBelgium — Not availableGhana — Not availableBulgaria — Not availableBolivia — Not availableBrazil — Not availableBangladesh — Not availableBotswana — Not availableBelarus — Not availableCanada — Not availableSwitzerland — Not availableChile — Not availableChina — Not availableColombia — Not availableJordan — Not availableCzechia — Not availableGermany — Not availableSomalia — Not availableDenmark — Not availableAlgeria — Not availableEcuador — Not availableChad — Not availableEstonia — Not availableSenegal — Not availableSpain — Not availableFinland — Not availableFrance — Not availableUnited Kingdom — Not availableGreenland — Not availableGreece — Not availableBosnia & Herzegovina — Not availableHungary — Not availableIreland — Not availableIndia — Not availableIraq — Not availableIran — Not availableIceland — Not availableItaly — Not availableJapan — Not availableNorth Korea — Not availableSouth Korea — Not availableKazakhstan — Not availableThailand — Not availableLithuania — Not availableLatvia — Not availableNiger — Not availableMorocco — Not availableMoldova — Not availableMadagascar — Not availableCote d'Ivoire — Not availableVietnam — Not availableMongolia — Not availableMexico — Not availableIndonesia — Not availableMozambique — Not availableNamibia — Not availableNigeria — Not availableNetherlands — Not availableNorway — Not availableNew Zealand — Not availablePeru — Not availablePapua New Guinea — Not availablePhilippines — Not availablePoland — Not availablePortugal — Not availableParaguay — Not availableRomania — Not availableRussia — Not availableSaudi Arabia — Not availableSudan — Not availableSweden — Not availableCroatia — Not availableSlovakia — Not availableKenya — Not availableUganda — Not availableSyria — Not availableMalaysia — Not availableTurkey — Not availableTanzania — Not availableUkraine — Not availableDR Congo — Not availableUnited States — Not availableUzbekistan — Not availableVenezuela — Not availableCambodia — Not availableEthiopia — Not availableSouth Africa — Not availableZambia — Not availableZimbabwe — Not available
Available nowComing soon

Rewards rate

2%

FX fee

—

Savings

Up to 6.15%

Availability

Coming soon

XPlace Silver logoXPlace Silver

All about XPlace Silver

XPlace Silver card
Get XPlace Silver

Main perks

Monthly feeNone
Cashback2%
FX fee—
SavingsUp to 6.15%
ATM fee—
Currencies6
Supported countries—
—

Bonus offers

No current bonus offer.

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Rewards

Credit Mode cashback2%
Monthly limit$20,000
Annual fee$99
Airport lounges1 visit/year
Cashback paid inUSDC
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Pros

  • 2% cashback in USDC
  • $20,000 monthly limit
  • Standard concierge included
  • Borrow without selling your crypto
  • Collateral keeps earning yield
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Cons

  • $99 annual fee
  • Only one lounge visit a year
  • FX fee not published
  • Liquidation risk on collateral
  • Cashback applies to Credit Mode
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Options to XPlace Silver

CardTypeAnnual feeRewardsScore
B logoBleap CardDebit$0Up to 20%4.4View cardD logoDeCardCredit$388Up to 10%3.8View cardB logoBybit CardCrypto$0Up to 10%4.3View cardP logoPlutus CardDebit$0Up to 9%2.7View card

FAQs

Questions, answered

The xPlace Silver Card is the first paid tier above Basic. It keeps the same Credit Mode and Cash Mode structure but adds higher spending limits, higher cashback and selected travel benefits.

Silver is positioned for users who want more than the free tier without moving to the substantially more expensive Gold or Platinum plans.

xPlace currently charges $99 per year for Silver membership. The published membership structure is annual rather than monthly.

The fee upgrades the user from Basic's lower limits and rewards to Silver's higher cashback, reduced FX fee, concierge and one annual airport-lounge visit.

Silver currently earns 2% USDC cashback in Credit Mode and 1% USDC cashback in Cash Mode.

xPlace says cashback is delivered as USDC to the user's wallet rather than as points. Credit Mode has the higher rate, but it also introduces borrowing costs and collateral liquidation risk.

xPlace's current membership page lists a $10,000 monthly limit for Silver. Some other xPlace marketing material has displayed $20,000, so the provider's own current pages are not fully consistent.

Because of that conflict, users should verify the live limit shown in the xPlace app before upgrading specifically for spending capacity.

xPlace currently lists a 0.5% FX fee for Silver on its membership page. That is lower than Basic's 1% but higher than Gold's 0.25% and Platinum's 0%.

Merchant dynamic currency conversion is separate and can add another markup. Paying in the local currency is generally preferable when travelling.

Yes. Silver currently includes one complimentary airport-lounge visit per year.

That is the entry-level lounge benefit in the xPlace membership structure. Gold includes four visits per year, while Platinum advertises unlimited access to more than 1,300 lounges.

Silver currently includes standard concierge service but no complimentary airport Fast Track uses.

Fast Track begins on Gold under the current plan structure. Silver is therefore more suitable for users who want a modest travel upgrade rather than the broader premium travel package.

Yes. Silver users can borrow against supported crypto collateral when they spend, allowing the underlying crypto position to remain invested rather than being sold for the purchase.

Credit Mode is collateralised borrowing. Users should monitor loan-to-value and understand that falling crypto prices can eventually lead to liquidation.

Yes. Silver users can switch to Cash Mode and spend a stablecoin balance directly instead of borrowing against crypto.

Cash Mode currently earns 1% USDC cashback on Silver. It is generally easier to understand than Credit Mode because it does not create a collateralised debt position.

xPlace describes the crypto layer as non-custodial. Supported assets can remain in the user's self-custodial setup and be deployed through Kamino Finance rather than placed in a conventional exchange account.

The Visa card settlement remains conventional payment infrastructure, so the card transaction itself is not purely on-chain.

Yes. xPlace currently advertises support for both Apple Pay and Google Pay across its card product.

Availability can still vary by device, region and card programme. Users should confirm the mobile-wallet option in the app before relying on it.

xPlace currently supports assets including BTC, ETH, SOL, JitoSOL, USDC and USDT across its Solana-based system. Assets used as collateral can have different loan-to-value ratios and variable yields.

Silver membership changes the card benefits, not the fundamental market and DeFi risks of the supported assets.

Silver users face the same core product risks as other xPlace tiers. Credit Mode can expose collateral to liquidation if the market moves against the position, while DeFi yield is variable and depends on protocol liquidity.

The annual membership fee and FX charge also matter. A user who does not spend enough may not recover the $99 fee through cashback or perks.

Complete the xPlace onboarding and verification flow, then select Silver as the membership tier. The current published annual price is $99.

Once eligible, users can configure Credit Mode or Cash Mode and add the card to supported mobile wallets. Physical-card availability depends on the current regional rollout.

Silver can be attractive for users who exceed Basic's limits and can benefit from 2% Credit Mode cashback, 1% Cash Mode cashback, a lower FX fee, concierge service and one annual lounge visit.

For light spenders, Basic may remain better value because it has no annual fee. Users should also verify Silver's live spending limit because xPlace's current pages show conflicting $10,000 and $20,000 figures.