savebackcards.com
DEEN

Tangem Pay vs Wirex One Card

Tangem Pay

Crypto native

4.8
Get the card
Wirex One Card

Crypto native

7.0
Get the card

Verdict

  • Wirex One Card scores higher overall (7.0 vs 4.8 out of 10).
  • Wirex One Card is clearly stronger on: Fees, Cashback & rewards, FX & international, Limits & ATM, Transparency.
  • For 1,500 EUR/month of spend, Wirex One Card comes out about 12 EUR a year ahead on base-tier terms.

Tangem Pay is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

Wirex One Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: Fees, Cashback & rewards, FX & international, Limits & ATM, Transparency

★ 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
Get the card
Review & sourcesTangem Pay vs ether.fi CashWirex One Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionTangem PayWirex One Card
Fees78100
Cashback & rewards3044
Availability3–
FX & international40100
Product features7070
Custody & security80–
Credit & financing3030
Limits & ATM20100
Transparency86100
Best for Cashback4.26.3
Best for Travel4.38.6
Best for Self-Custody6.8n/a
Best for DeFi Users6.06.0
Best for Stablecoins6.17.8
Best for High Spenders4.26.9
Best for Low Fees6.210.0
Best for Beginners6.27.4

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 cardConditions apply: tap or hover for detailsShow source

Funded with USDC loaded in advance; no credit line

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

Self-custodyShow source
No data yet

Card issuer / program manager

Card issued by Rain (Visa Principal Member); service provided by Paera LLCShow source
No data yet

Tiers / plans

Basic (free) · Plus ($29.99/month) · Prestige ($999/year, coming soon)Conditions apply: tap or hover for detailsShow source

Plus free with $4,500 monthly spend or $65,000 in Yield Mode; Prestige coming soon

Base · Premium · Elite · Private · BespokeShow source

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Basic tier; Plus $29.99/month

FreeShow source

Virtual card fee

FreeConditions apply: tap or hover for detailsShow source

Basic tier

No data yet

Replacement fee

$5Conditions apply: tap or hover for detailsShow source

Virtual card replacement/additional card $5; plastic: delivery fee only (Basic and Plus); Prestige $0

No data yet

FX fee

1.5%Conditions apply: tap or hover for detailsShow source

Up to; Tangem pages show 1% and 1.5%

0%Show source

Top-up fee

$1Conditions apply: tap or hover for detailsShow source

Bank top-up via ACH (free on Plus); FedWire $11 (comparison table says $10); crypto top-ups incur network fees

No data yet

ATM fee

4%Conditions apply: tap or hover for detailsShow source

Basic tier; 2% on Plus

FreeConditions apply: tap or hover for detailsShow source

Wirex fee; operator fees not addressed

Other fees & markups

Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchasesShow source
No data yet

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Basic tier; minimum $30 per transaction; monthly cap applies

0.5%Conditions apply: tap or hover for detailsShow source

Base tier

Max cashback

4%Conditions apply: tap or hover for detailsShow source

Prestige tier ($999/year, coming soon); Plus 2%

8%Conditions apply: tap or hover for detailsShow source

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

Cashback paid in

USDCShow source
USDShow source

Cashback type

StablecoinShow source
FiatShow source

Interest on balance

No data yet
9.75%Conditions apply: tap or hover for detailsShow source

Up to; stablecoin savings, flexible or fixed terms

Cashback-eligible spend cap

$10,000/monthConditions apply: tap or hover for detailsShow source

Basic tier, per month; Plus $15,000

No data yet

Max cashback per month

$100/monthConditions apply: tap or hover for detailsShow source

Basic tier; Plus $300, Prestige $1000

No data yet

Cashback conditions

Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycleShow source
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

In-store purchases (incl. tap-to-pay) at EU and UK merchants · Excluded merchant category codes listed in the cashback termsShow source
No data yet

Credit & financing

Credit line

NoShow source
NoShow source

Credit type

NoneShow source
No data yet

Availability

Available in

United StatesConditions apply: tap or hover for detailsShow source

Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)

No data yet

Account / spend currencies

USDShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

US routing and account number (ACH/FedWire), not an IBAN

No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesConditions apply: tap or hover for detailsShow source

Page elsewhere mentions up to three virtual cards

YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Contactless ATMs only, via Apple Pay or Google Pay

YesShow source

Spend stablecoins

YesShow source
YesShow source

Airport lounge access

NoConditions apply: tap or hover for detailsShow source

Basic (free) has no free visits (paid); Plus 2 and Prestige 8 free visits/year, marked coming soon. Only Plus and Prestige tiers.

No data yet

Travel / rental car insurance

NoConditions apply: tap or hover for detailsShow source

Auto rental insurance only on Plus and Prestige; Basic is 'Not Insured'.

No data yet

Purchase protection

NoConditions apply: tap or hover for detailsShow source

Purchase protection and extended warranty only on Plus and Prestige; Basic is 'No'.

No data yet

Spendable assets

USDC · USDTShow source
No data yet

Blockchains

Polygon · Base · BNB Smart Chain · ArbitrumShow source
No data yet

Limits

ATM limit

$250Conditions apply: tap or hover for detailsShow source

Per transaction; up to 3 withdrawals per 24 hours

No data yet

Spending limit

$10,000Conditions apply: tap or hover for detailsShow source

Per day, Basic tier; Plus $50,000, Prestige $100,000

No data yet

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 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 Tangem Pay comparisons

More Wirex One Card comparisons