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PENGU Card vs Wirex One Card

PENGU Card

Crypto native

7.3
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Wirex One Card

Crypto native

7.0
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Verdict

  • PENGU Card scores higher overall (7.3 vs 7.0 out of 10).
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

PENGU Card is a good fit for

  • No specific audience can be derived from the published data yet.

Wirex One Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

Why we recommend it

  • 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
  • 5.35% variable interest on your balanceConditions apply
  • No annual or monthly fee on the base tierConditions apply
  • Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
  • Self-custody: funds stay in your own walletConditions apply
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Review & sourcesPENGU Card vs ether.fi CashWirex One Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionPENGU CardWirex One Card
Fees100100
Cashback & rewards5144
Availability100–
FX & international–100
Product features7070
Custody & security60–
Credit & financing–30
Limits & ATM–100
Transparency100100
Best for Cashback6.76.3
Best for Travel6.78.6
Best for DeFi Users6.56.0
Best for Stablecoinsn/a7.8
Best for High Spenders6.26.9
Best for Low Fees8.010.0
Best for Beginners8.47.4

Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.

Product

Product status

ActiveShow source
ActiveShow source

Card type

Stablecoin cardShow source
Debit cardShow source

Network

VisaShow source
Visa / MastercardConditions apply: tap or hover for detailsShow source

Physical card Visa or Mastercard; metal card Visa Signature

Custody model

CustodialShow source
No data yet

Card issuer / program manager

KASTShow source
No data yet

Tiers / plans

Standard · Premium · PrivateShow source
Base · Premium · Elite · Private · BespokeShow source

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Free tier; $1,000/year and $10,000/year tiers

FreeShow source

Monthly fee

No data yet
FreeShow source

FX fee

No data yet
0%Show source

ATM fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Wirex fee; operator fees not addressed

Cashback & rewards

Base cashback

1.5%Conditions apply: tap or hover for detailsShow source

Free tier

0.5%Conditions apply: tap or hover for detailsShow source

Base tier

Max cashback

3%Conditions apply: tap or hover for detailsShow source

$10,000/year tier

8%Conditions apply: tap or hover for detailsShow source

Top tier; tier set by portfolio size and share held in WPAY

Cashback paid in

No data yet
USDShow source

Cashback type

No data yet
FiatShow source

Interest on balance

12%Conditions apply: tap or hover for detailsShow source

Up to; Reserve account, 8% on Free tier

9.75%Conditions apply: tap or hover for detailsShow source

Up to; stablecoin savings, flexible or fixed terms

Cashback-eligible spend cap

$2,000/monthConditions apply: tap or hover for detailsShow source

Monthly eligible spend on the Free tier; $10,000 and $40,000 on higher tiers

No data yet

Cashback conditions

No data yet
Tier recalculated daily from portfolio size and percentage held in WPAY; both thresholds must be met · No monthly cashback cap · 50% rebate on eligible subscriptions, capped at each service's standard plan priceShow source

Staking / holding required for top rewards

No data yet
YesConditions apply: tap or hover for detailsShow source

Holding (not locking) WPAY and a minimum portfolio for higher tiers

Staking asset

No data yet
WPAYShow source

Reward exclusions

Some merchant categoriesShow source
No data yet

Credit & financing

Credit line

No data yet
NoShow source

Availability

Available in

GlobalConditions apply: tap or hover for detailsShow source

170+ countries

No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

No data yet
YesShow source

Spendable assets

USDT · USDC · PENGUConditions apply: tap or hover for detailsShow source

Plus 25+ other coins and stablecoins on 10+ chains

No data yet

Annual cost at 1,500 EUR/month

PENGU Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+270 EUR
  • Net annual valuenot enough data

Wirex One Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+90 EUR
  • Net annual value90 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More PENGU Card comparisons

More Wirex One Card comparisons