Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
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Every eligible purchase you make with your Tangem Pay card earns cashback. The rate depends on your membership tier. Cashback requires a minimum transaction amount of $30. Any purchases under $30 do not qualify for cashback.
Basic tier: 1% cashback on all eligible spending. The monthly cap is $100 in cashback earnings. That means up to $10,000 in monthly spending is eligible.
Plus tier: 2% cashback on all eligible spending. The monthly cap is $300 in cashback earnings. That means up to $15,000 in monthly spending is eligible.
Cashback accrues throughout the month. At the end of each billing cycle, your earned cashback is deposited into your Tangem Pay account. This is an important distinction. Tangem Pay cashback is not a points program. It is not a loyalty token. It is not a reward that requires redemption, conversion, or a minimum threshold to use.
Cashback is paid in USDC. It lands in your Tangem Pay account. You can spend it immediately with your card. It is real money from the moment it arrives.
The cashback page
The Tangem Pay section in the app now includes a dedicated cashback screen. Open it to see three things.
Current month earnings. How much cashback have you earned so far this month, and the deposit date when it hits your account?
Your cashback rate and limits. Your tier, your percentage rate, and your accrual cap.
Cumulative history. A month-by-month chart showing your total cashback earned over time. You can track exactly how much value your spending has generated.
What Plus users get
For Plus tier users, cashback is part of a larger package that makes Tangem Pay a complete financial product.
- 2% cashback on all eligible spending, up to $300 per month.
- Zero transaction fees. No fees on card purchases.
- Free ACH/Wire on-ramp. Top up your Tangem Pay account from a US bank account for zero dollars. ACH is free for Plus users.
- Visa Signature benefits. Access to the Visa Luxury Hotel Collection, which includes room upgrades, late checkout, and daily food or beverage credits at over 900 hotels worldwide.
Put it together: you top up for free, spend with no fees, earn 2% back on everything, and access Visa benefits. For users who make Tangem Pay their primary spending card, the value adds up fast.
Where cashback applies and where it does not
Cashback applies to most purchases made with your Tangem Pay card. There are exceptions based on geography and merchant category.
Geographic restrictions
EU and UK in-store purchases. Due to interchange fee regulations in the EU and UK, cashback does not apply to in-store purchases at EU and UK merchants. This includes tap-to-pay transactions (Apple Pay, Google Pay, and physical card tap) at terminals inside the EU and UK.
EU and UK online purchases. Online purchases at EU merchants do earn cashback. The in-store restriction does not apply to e-commerce.
Purchases outside the EU. For EU and UK cardholders, all purchases made outside the EU earn cashback. In-store, online, everywhere. This makes Tangem Pay an excellent travel card. Spend outside the EU, and every purchase earns you back.
For US users. Cashback applies to all purchases everywhere except in-store transactions at EU merchants. For most US-based spending, cashback applies to every purchase.
Merchant category exclusions
Certain merchant categories are excluded from cashback eligibility. These are standard exclusions common across card programs. The full list of excluded merchant category codes is available in the Tangem Pay cashback terms.
If you live in the US, cashback works on almost everything. If you live in the EU or the UK, cashback applies to all your online purchases, all purchases made while traveling abroad, and all purchases from non-EU merchants. Position your Tangem Pay card as your go-to card for travel and online spending.
Cashback versus traditional card rewards
Traditional bank card cashback programs share a few common limitations. Cashback is often paid in points that must be converted. Minimum redemption thresholds mean small balances sit unused. Reward categories rotate monthly, which means you have to track which purchases qualify each month. Earned rewards often cannot be spent directly.
Tangem Pay cashback is simple. A uniform rate applies to all eligible purchases. Rewards are paid in USDC and deposited automatically, allowing immediate spending. There’s no need for conversions, minimum thresholds, or category tracking.
Getting started
Cashback is live for all Tangem Pay users on both Basic and Plus tiers. If you have a Tangem Pay card and an active membership, your purchases are already earning cashback.
To check your earnings, open the Tangem Pay section in the app and tap on your cashback summary. To upgrade to Plus for the higher 2% rate, open the membership settings in the Tangem Pay section.
