METAL CARD
Verified Benefit
SELF CUSTODY SPEND
Verified Benefit
CASHBACK
Verified Benefit
Our Official Verdict
Premium Metal: 1% USDC Cashback + 3x XP at $1,000/yr
The Gold Club delivers a premium metal card with 1% USDC cashback and 3x XP at $1000 per year. The break-even is $100,000 in annual spending - designed for high-volume Solana users who want both status and self-custody.
Fees & Charges
Annual Fee
$1000
FX Fee
1%
ATM Fee
TBD
Requirements
Supported Regions
GLOBAL
Spendable Assets
USDC, SOL
Xplace Gold Club Card Review
The Xplace Gold Club Card is the premium metal tier of the Xplace program, offering 1% USDC cashback, a 3x XP multiplier, and a $50,000 monthly limit for $1,000/year.
The Premium Metal Tier
The Gold Club is where Xplace shifts from practical to aspirational. For $1,000/year, you get a laser-etched metal card, 1% USDC cashback, a 3x XP multiplier, and a $50,000 monthly limit. The metal construction and elevated limits position Gold against premium cards from Crypto.com and Bybit.
ROI Analysis: The $1,000 Break-Even
| Monthly Spend | Annual Cashback | Annual Fee | Profit/Loss |
|---|---|---|---|
| $2,000 | $240 | $1,000 | -$760 |
| $5,000 | $600 | $1,000 | -$400 |
| $8,334 | $1,000 | $1,000 | $0 (break-even) |
| $10,000 | $1,200 | $1,000 | +$200 |
Gross break-even requires $100,000 in annual spending ($8,334/month). But the 1% transaction fee matches the 1% cashback exactly - meaning net cashback is effectively 0%. The $1,000 annual fee is a pure cost with no cashback offset after transaction fees.
The honest math: Gold's 1% USDC cashback is entirely consumed by the 1% transaction fee. You pay $1,000/year for the metal card, 3x XP multiplier, $50K monthly limit, and ecosystem status. This is an XP farming tier, not a cashback tier.
Gold vs Competitors
| Feature | Xplace Gold | Crypto.com Jade | Solflare |
|---|---|---|---|
| Annual fee | $1,000 | $0 (with $4K CRO stake) | $0 |
| Net cashback | 0% (after 1% tx fee) | 3% | 3% |
| FX fee | 1% | 0% | TBD |
| Card material | Metal | Metal | Metal |
| Custody | Self-custodial | Custodial | Self-custodial |
| Monthly limit | $50K | Varies | Varies |
On pure value, Crypto.com Jade and Solflare deliver far more cashback at lower cost. Gold's competitive advantage is the 3x XP multiplier and the self-custodial metal experience on Solana. If $XPLACE launches at meaningful value, the XP accumulation could retroactively justify the fee.
Fee Structure
- Annual fee: $1,000
- FX fee: 1%
- Transaction fee: 1%
- ATM daily limit: $1,000
The combined 2% on foreign transactions is the primary weakness. At $5,000/month in international spending, that is $1,200/year in FX + transaction fees alone, on top of the $1,000 annual fee.
Spending and Mechanics
Same self-custodial Visa infrastructure. USDC and SOL stay in your wallet. The Gold upgrade over Silver adds:
- Premium metal card construction
- $50,000/month spending limit (3.3x Silver)
- $1,000/day ATM access (2x Silver)
- 3x XP multiplier (3x Silver)
- 1% USDC cashback (2x Silver)
Security and Custody
Non-custodial architecture with biometric authorization. The metal card itself is a premium physical artifact, but the real security value is that your funds never sit on an exchange. This is particularly relevant for high-net-worth users moving $50K/month through the card.
Verdict
The Xplace Gold Club Card is a status play for the Solana ecosystem. The $1,000 annual fee buys a premium metal card, 3x XP, and high limits, but the 1% transaction fee erases the 1% cashback entirely. This is not a card for cashback maximizers. It is for Solana believers who want the highest XP multiplier below Platinum and are willing to pay for the privilege.
Best for: Committed Solana ecosystem users who want metal status and 3x XP farming with self-custody. Look elsewhere if: You want positive cashback returns - Crypto.com Jade (3%, 0% FX) or ether.fi Luxe (3%, metal) are strictly better on economics.
Fees and break-even math
Annual fee: $1,000. FX fee: 1%. Transaction fee: 1%. Gross break-even: $1,000 / 1% = $100,000/year ($8,334/month). Net break-even: Never - the 1% transaction fee equals the 1% cashback, resulting in 0% net return. The $1,000 annual fee is unrecoverable through cashback. Monthly limit: $50,000. Annual max spend: $600,000.
Competitor comparison
- Crypto.com Jade Green: 3% cashback, 0% FX, metal, requires $4K CRO stake. Massively better economics.
- ether.fi Luxe: 3% cashback, $0 annual, metal, lounge. Better value with Ethereum self-custody.
- Solflare: 3% cashback, Solana-native, metal. Direct Solana competitor with better returns.
Sources
Last verified: Feb 9, 2026 - Data sourced from official Xplace documentation.
