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RedotPay vs Wirex One Card

RedotPay

Crypto native

5.5
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Wirex One Card

Crypto native

7.0
Get the card

Verdict

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

RedotPay is a good fit for

  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

Stronger on: Credit & financing

Wirex One Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: Fees, Cashback & rewards, FX & international, 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
Get the card
Review & sourcesRedotPay vs ether.fi CashWirex One Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionRedotPayWirex One Card
Fees86100
Cashback & rewards1244
Availability––
FX & international52100
Product features7070
Custody & security––
Credit & financing7030
Limits & ATM60100
Transparency93100
Best for Cashback4.06.3
Best for Travel5.88.6
Best for DeFi Users5.56.0
Best for Stablecoins5.87.8
Best for High Spenders4.76.9
Best for Low Fees7.510.0
Best for Beginners6.77.4
Best Crypto Credit Card6.4n/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

No data yet
Debit cardShow source

Network

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

Physical card Visa or Mastercard; metal card Visa Signature

Tiers / plans

Regular account · RedotPay Pro Monthly ($12.90/month) · RedotPay Pro Annual ($129.00/year)Conditions apply: tap or hover for detailsShow source

Annual: "Annual Membership: $129.00 / year"; without membership the account is a "regular account"

Base · Premium · Elite · Private · BespokeShow source

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Stated under Physical Card; currency not stated on page

FreeShow source

Monthly fee

No data yet
FreeShow source

Physical card fee

$100Show source
No data yet

Virtual card fee

$10Show source
No data yet

FX fee

1.2%Conditions apply: tap or hover for detailsShow source

Spending in a currency other than the card currency

0%Show source

Crypto conversion fee

1%Show source
No data yet

ATM fee

2%Conditions apply: tap or hover for detailsShow source

USD card up to $10,000/month, 3% above; Pro annual waives up to $1,000/month of RedotPay ATM fees

FreeConditions apply: tap or hover for detailsShow source

Wirex fee; operator fees not addressed

Other fees & markups

1.5% transaction fee (min. 0.50 USD) at specific listed merchants (e.g. Facebook Ads, Discord, some games); first 3 eligible transactions per card per calendar month waivedConditions apply: tap or hover for detailsShow source

Waived on the first 3 eligible transactions per card each calendar month; merchant list reviewed regularly

No data yet

Cashback & rewards

Base cashback

No data yet
0.5%Conditions apply: tap or hover for detailsShow source

Base tier

Max cashback

3%Conditions apply: tap or hover for detailsShow source

RedotPay Pro (monthly or annual) only; Apple Pay / Google Pay transactions only; capped at 18 USDs per 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

USDsShow source
USDShow source

Cashback type

No data yet
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

Max cashback per month

$18/monthConditions apply: tap or hover for detailsShow source

Paid in USDs (RedotPay spend credit), Pro members only

No data yet

Cashback conditions

RedotPay Pro membership required · Only Apple Pay or Google Pay transactions qualify · USDs usable only for future card transactions; cannot be withdrawn, transferred or used to buy cards · Cashback reclaimed on refunds/disputesShow 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 expiry / vesting

Cashback USDs expire after 30 daysShow source
No data yet

Credit & financing

Credit line

YesConditions apply: tap or hover for detailsShow source

Optional Credit feature (app v3.0.0+), usable for RedotPay card spending when set as main payment method

NoShow source

Credit type

Crypto-backed creditConditions apply: tap or hover for detailsShow source

Optional Credit feature; stablecoins excluded as collateral

No data yet

Collateral assets

Supported crypto assets (excluding stablecoins)Show source
No data yet

Interest notes

Interest calculated daily on the principal of the credit balance; simple interest (no compounding)Conditions apply: tap or hover for detailsShow source

Optional Credit feature

No data yet

Spend by borrowing against collateral

YesConditions apply: tap or hover for detailsShow source

Optional; crypto collateral is locked at payment until repaid

No data yet

Availability

Not available in

AF, AL, BY, BA, BV, BF, BI, CF, CD, Croatia, CU, ER, ET, GW, HT, India, Indonesia, IR, IQ, LB, LR, LY, CN, ML, ME, MA, MM, NP, NI, KP, MK, RU, RS, Singapore, Slovenia, SO, SS, SD, SY, Turkey, Ukraine, United States, VE, YE, ZWConditions apply: tap or hover for detailsShow source

Card issuance restricted list (Aug 28, 2026); also lists Kosovo and Netherlands Antilles, which have no current ISO code and are omitted

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

Not available in every country

YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

YesShow source
YesShow source

Security & custody

Regulation / licences

Money Lender's Licence No. 1715/2025 (RedotPay Credit)Conditions apply: tap or hover for detailsShow source

Licence stated for the Credit feature; issuing jurisdiction not named on page

No data yet

Annual cost at 1,500 EUR/month

RedotPay

  • Annual & monthly fees+0 EUR
  • FX costs−43 EUR
  • Crypto conversion–
  • ATM costs−24 EUR
  • Cashbackunknown
  • 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 RedotPay comparisons

More Wirex One Card comparisons