Tangem Pay vs Wirex Card
Crypto native
Crypto native
Verdict
- At least one of the two cards does not have enough published data for an overall score.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Tangem Pay is a good fit for
- Stablecoin holders
Wirex Card is a good fit for
- No specific audience can be derived from the published data yet.
Score by criterion
| Criterion | Tangem Pay | Wirex Card |
|---|---|---|
| Fees | 100 | – |
| Cashback & rewards | 24 | 25 |
| Availability | 3 | – |
| FX & international | 40 | – |
| Product features | – | – |
| Custody & security | – | – |
| Credit & financing | – | – |
| Limits & ATM | 20 | – |
| Transparency | 79 | – |
| Best for Cashback | 3.9 | 3.7 |
| Best for Travel | 4.4 | n/a |
| Best for Stablecoins | 5.8 | n/a |
| Best for High Spenders | 4.4 | n/a |
| Best for Low Fees | 7.0 | n/a |
| Best for Beginners | 5.6 | n/a |
Product
Product status
ActiveShow source
Product status: Active
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source: X-tras pricing: plans and tiers
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
VisaShow source
Network: Visa
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card issuer / program manager
Rain (separate card program)Show source
Card issuer / program manager: Rain (separate card program)
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tiers / plans
Basic (free) · Plus ($29.99/month, waitlist) · PrestigeShow source
Tiers / plans: Basic (free) · Plus ($29.99/month, waitlist) · Prestige
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Standard · Premium (€9.99/month or €102/year) · Elite (€29.99/month or €306/year)*Show source
Tiers / plans: Standard · Premium (€9.99/month or €102/year) · Elite (€29.99/month or €306/year)
Each plan has sub-tiers unlocked by locking WXT for 180 days
Source: X-tras pricing: plans and tiers
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Each plan has sub-tiers unlocked by locking WXT for 180 days
Fees
Monthly fee
Free*Show source
Monthly fee: Free
Basic tier; Plus $29.99/month
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Basic tier; Plus $29.99/month
FX fee
1.5%*Show source
FX fee: 1.5%
Up to; Tangem pages show 1% and 1.5%
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Up to; Tangem pages show 1% and 1.5%
ATM fee
4%*Show source
ATM fee: 4%
Basic tier; 2% on Plus
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Basic tier; 2% on Plus
Other fees & markups
Polygon gas when topping up with cryptoShow source
Other fees & markups: Polygon gas when topping up with crypto
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card issuance or replacement fees may apply depending on region · Blockchain network fee on crypto withdrawalsShow source
Other fees & markups: Card issuance or replacement fees may apply depending on region · Blockchain network fee on crypto withdrawals
Source: Benefits of the Wirex card explained
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Base cashback
1%*Show source
Base cashback: 1%
Basic tier; minimum $30 per transaction; monthly cap applies
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Basic tier; minimum $30 per transaction; monthly cap applies
0.5%*Show source
Base cashback: 0.5%
Standard plan, Entry tier
Source states (paraphrased): Standard Entry tier offers 0.5% Cryptoback on card purchases.
Source: X-tras pricing: plans and tiers
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Standard plan, Entry tier
Max cashback
2%*Show source
Max cashback: 2%
Plus tier ($29.99/month)
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Plus tier ($29.99/month)
8%*Show source
Max cashback: 8%
Elite plan (€29.99/month) at the Ultimate WXT-lock tier
Source states (paraphrased): Elite Ultimate tier reaches 8% Cryptoback.
Source: X-tras pricing: plans and tiers
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Elite plan (€29.99/month) at the Ultimate WXT-lock tier
Cashback paid in
USDCShow source
Cashback paid in: USDC
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
WXTShow source
Cashback paid in: WXT
Source: Wirex's Cryptoback™ rewards explained
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback type
StablecoinShow source
Cashback type: Stablecoin
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Platform tokenShow source
Cashback type: Platform token
Source: Wirex's Cryptoback™ rewards explained
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback conditions
Monthly caps: 20,000 WXT (Standard), 100,000 WXT (Premium), 250,000 WXT (Elite) · Per-transaction caps: 250 / 1,500 / 9,000 WXT · Rates vary by region, plan, tier and merchant categoryShow source
Cashback conditions: Monthly caps: 20,000 WXT (Standard), 100,000 WXT (Premium), 250,000 WXT (Elite) · Per-transaction caps: 250 / 1,500 / 9,000 WXT · Rates vary by region, plan, tier and merchant category
Source: Cryptoback™ FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Staking / holding required for top rewards
Yes*Show source
Staking / holding required for top rewards: Yes
Higher tiers require locking WXT for 180 days (e.g. 150,000 WXT for Standard Enhanced)
Source: X-tras pricing: plans and tiers
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Higher tiers require locking WXT for 180 days (e.g. 150,000 WXT for Standard Enhanced)
Staking asset
WXTShow source
Staking asset: WXT
Source: X-tras pricing: plans and tiers
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Reward exclusions
Cash withdrawals · TransfersShow source
Reward exclusions: Cash withdrawals · Transfers
Source: Cryptoback™ FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
Available in
United States*Show source
Available in: United States
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Features
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Blockchains
PolygonShow source
Blockchains: Polygon
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Annual cost at 1,500 EUR/month
Tangem Pay
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−48 EUR
- Cashback+180 EUR
- Net annual value78 EUR
Wirex Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+90 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers