Coinbase One Card vs Wirex One Card
Crypto native
Crypto native
Verdict
- Wirex One Card scores higher overall (7.0 vs 6.0 out of 10).
- Coinbase One Card is clearly stronger on: Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Coinbase One Card is a good fit for
- Users who need credit rather than a debit/prepaid card
- Everyday spenders who want cashback
- Frequent travellers
Stronger on: Credit & financing
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:
Crypto native · ether.fi
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
| Criterion | Coinbase One Card | Wirex One Card |
|---|---|---|
| Fees | 91 | 100 |
| Cashback & rewards | 47 | 44 |
| Availability | 3 | – |
| FX & international | 100 | 100 |
| Product features | – | 70 |
| Custody & security | 60 | – |
| Credit & financing | 70 | 30 |
| Limits & ATM | – | 100 |
| Transparency | 100 | 100 |
| Best for Cashback | 5.6 | 6.3 |
| Best for Travel | 7.1 | 8.6 |
| Best for DeFi Users | 6.7 | 6.0 |
| Best for Stablecoins | n/a | 7.8 |
| Best for High Spenders | 6.7 | 6.9 |
| Best for Low Fees | 8.9 | 10.0 |
| Best for Beginners | 6.2 | 7.4 |
| Best Crypto Credit Card | 7.2 | n/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
Credit cardShow source
Debit cardShow source
Network
American ExpressShow 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
The provider holds the funds
Card issuer / program manager
First Electronic Bank (offered through Coinbase, Inc. and Cardless, Inc.)Show source
Tiers / plans
Base · Premium · Elite · Private · BespokeShow source
Fees
Annual fee
$49.99/yearConditions apply: tap or hover for detailsShow source
Coinbase One membership required (from $49.99/year); no separate card annual fee for members
FreeShow source
Monthly fee
FreeShow source
FX fee
0%Show source
0%Show source
ATM fee
FreeConditions apply: tap or hover for detailsShow source
Wirex fee; operator fees not addressed
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Lowest bitcoin-back tier; 2.5/3/4% depending on assets held on Coinbase (capped); requires a paid Coinbase One membership
0.5%Conditions apply: tap or hover for detailsShow source
Base tier
Max cashback
4%Conditions apply: tap or hover for detailsShow source
Up to; tier depends on average Coinbase balance
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
9.75%Conditions apply: tap or hover for detailsShow source
Up to; stablecoin savings, flexible or fixed terms
Cashback conditions
Reward tier depends on the account's average balance · 5% bitcoin back on travel booked via Coinbase One Card Travel · Reversed purchases can trigger a Rewards Adjustment ChargeShow 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
YesConditions apply: tap or hover for detailsShow source
Holding (not locking) WPAY and a minimum portfolio for higher tiers
Staking asset
WPAYShow source
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Subject to credit approval
NoShow source
Credit type
Revolving creditShow source
Availability
Available in
United StatesConditions apply: tap or hover for detailsShow source
Excluding US territories
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Stainless steel card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Travel / rental car insurance
YesConditions apply: tap or hover for detailsShow source
Amex network benefits: car rental loss & damage, trip cancellation/interruption, luggage
Purchase protection
YesConditions apply: tap or hover for detailsShow source
Amex network benefits: retail protection, extended warranty, return protection
Annual cost at 1,500 EUR/month
Coinbase One Card
- Annual & monthly fees−45 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+360 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