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Bitstack Card vs Wirex One Card

Bitstack Card

Crypto enabled

5.5
Wirex One Card

Crypto native

7.0

Verdict

  • Wirex One Card scores higher overall (7.0 vs 5.5 out of 10).
  • Wirex One Card is clearly stronger on: Cashback & rewards, Limits & ATM.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitstack 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

Stronger on: Cashback & rewards, Limits & ATM

★ 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

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitstack CardWirex One Card
Fees97100
Cashback & rewards2244
Availability3–
FX & international–100
Product features7070
Custody & security75–
Credit & financing3030
Limits & ATM84100
Transparency100100
Best for Cashback4.56.3
Best for Travel5.98.6
Best for DeFi Usersn/a6.0
Best for Stablecoinsn/a7.8
Best for High Spenders5.16.9
Best for Low Fees8.410.0
Best for Beginners6.77.4
Best E-Money Card7.0n/a

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

Debit cardConditions apply: tap or hover for detailsShow source

Card linked to the euro cash account

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

CustodialConditions apply: tap or hover for detailsShow source

Card spends euros; Bitcoin held by Bitstack, free withdrawal to an external wallet

No data yet

Card issuer / program manager

Bitstack Digital Assets SAS, agent of the e-money institution Xpollens (ACPR)Show source
No data yet

Tiers / plans

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

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Standard; Plus €2.99/month or €29.99/year

FreeShow source

Physical card fee

€9.99Conditions apply: tap or hover for detailsShow source

Standard, plus delivery; Plus: free delivery, annual Plus: free

No data yet

FX fee

No data yet
0%Show source

ATM fee

1%Conditions apply: tap or hover for detailsShow source

Free up to €200/month or 5 withdrawals, then €1 or 1% per withdrawal

FreeConditions apply: tap or hover for detailsShow source

Wirex fee; operator fees not addressed

Free ATM allowance

€200/monthConditions apply: tap or hover for detailsShow source

Or 5 withdrawals per month

No data yet

Other fees & markups

Bitcoin purchase fee 1–1.5% (Standard) or 0.75% (Plus)Show source
No data yet

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Up to; Standard plan, eligibility conditions and caps apply

0.5%Conditions apply: tap or hover for detailsShow source

Base tier

Max cashback

1.5%Conditions apply: tap or hover for detailsShow source

Up to; Plus plan (€2.99/month)

8%Conditions apply: tap or hover for detailsShow source

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

Cashback paid in

BTCShow source
USDShow source

Cashback type

CryptoShow 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 conditions

Eligibility conditions and caps apply · Card payments are also rounded up to the next euro and the difference is bought in Bitcoin without feesShow 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

Credit & financing

Credit line

NoShow source
NoShow source

Availability

Available in

FranceShow source
No data yet

Account / spend currencies

EURShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

French IBAN

No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

No data yet
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

No data yet
YesShow source

Limits

Spending limit

€1,000Conditions apply: tap or hover for detailsShow source

Per month for international payments on Standard; €3,000 on Plus

No data yet

Security & custody

Regulation / licences

CASP licence from the AMF, no. A2025-003 · Agent (no. 747088) of Xpollens, e-money institution licensed by the ACPRShow source
No data yet

Annual cost at 1,500 EUR/month

Bitstack Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+180 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