Uphold Debit Card (US) vs Wirex Card
Crypto native
Crypto native
Verdict
- Wirex Card scores higher overall (6.4 vs 5.6 out of 10).
- Uphold Debit Card (US) is clearly stronger on: Cashback & rewards.
- Wirex Card is clearly stronger on: FX & international.
- For 1,500 EUR/month of spend, Uphold Debit Card (US) comes out about 184 EUR a year ahead on base-tier terms.
Uphold Debit Card (US) is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
Stronger on: Cashback & rewards
Wirex Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: FX & international
Score by criterion
| Criterion | Uphold Debit Card (US) | Wirex Card |
|---|---|---|
| Fees | 99 | 100 |
| Cashback & rewards | 50 | 26 |
| Availability | 3 | – |
| FX & international | 40 | 100 |
| Product features | 70 | 70 |
| Custody & security | – | – |
| Credit & financing | 30 | 30 |
| Limits & ATM | 74 | 64 |
| Transparency | 86 | 86 |
| Best for Cashback | 5.6 | 5.1 |
| Best for Travel | 5.7 | 7.8 |
| Best for DeFi Users | 5.8 | 5.6 |
| Best for Stablecoins | 6.6 | 7.3 |
| Best for High Spenders | 5.9 | 5.7 |
| Best for Low Fees | 7.8 | 9.3 |
| Best for Beginners | 6.5 | 7.0 |
Product
Product status
ActiveShow source
Product status: Active
Source: Introducing the Uphold Debit Card
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%
Card type
Debit cardShow source
Card type: Debit card
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Debit cardShow source
Card type: Debit card
Source states (paraphrased): The Wirex card is a debit card that is linked to your Wirex account.
Source: What is the Wirex card?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Network
VisaShow source
Network: Visa
Source states (paraphrased): Use anywhere Visa is accepted.
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Tiers / plans
Essential (no annual fee) · Elite ($99.99/year)Show source
Tiers / plans: Essential (no annual fee) · Elite ($99.99/year)
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Standard · Premium · Elite*Show source
Tiers / plans: Standard · Premium · Elite
Each plan has Entry tier plus WXT-lock boost tiers (Enhanced/Ultimate)
Source states (paraphrased): The program offers three different X-tras subscription plans: Standard, Premium, and Elite.
Source: X-tras pricing plans and tiers
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Each plan has Entry tier plus WXT-lock boost tiers (Enhanced/Ultimate)
Fees
Annual fee
Free*Show source
Annual fee: Free
Essential; Elite $99.99/year
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite $99.99/year
Monthly fee
Free*Show source
Monthly fee: Free
Standard plan free; Premium €9.99/month or €102/year; Elite €29.99/month or €306/year
Source states (paraphrased): it is available to all Wirex users for free
Source: X-tras pricing plans and tiers
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Standard plan free; Premium €9.99/month or €102/year; Elite €29.99/month or €306/year
Physical card fee
$4.99*Show source
Physical card fee: $4.99
Essential
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential
Free*Show source
Physical card fee: Free
Card issuance free in all regions; delivery fee separate (EEA: 5 EUR untracked, 15 EUR DHL Express)
Source states (paraphrased): | Card Issuance | Free | Free | Free | Free | Free | Free
Source: Wirex fees
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Card issuance free in all regions; delivery fee separate (EEA: 5 EUR untracked, 15 EUR DHL Express)
FX fee
1.5%*Show source
FX fee: 1.5%
Essential; Elite has no foreign transaction fees
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite has no foreign transaction fees
0%*Show source
FX fee: 0%
As stated on this help article
Source states (paraphrased): there are no annual or foreign exchange fees to worry about
Source: Benefits of the Wirex card explained
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
As stated on this help article
Top-up fee
Free*Show source
Top-up fee: Free
SEPA (EUR) bank transfer deposit free; local card funding 0% or more depending on currency/country
Source states (paraphrased): | Sepa (EUR)* | Free
Source: Wirex fees
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
SEPA (EUR) bank transfer deposit free; local card funding 0% or more depending on currency/country
ATM fee
$2.95*Show source
ATM fee: $2.95
Essential; Elite has no ATM fees
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite has no ATM fees
2%*Show source
ATM fee: 2%
EEA: after 200 EUR free monthly
Source states (paraphrased): Free up to 200 EUR monthly, 2% thereafter
Source: Wirex fees
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
EEA: after 200 EUR free monthly
Free ATM allowance
€200/month*Show source
Free ATM allowance: €200/month
EEA, per month
Source states (paraphrased): Free up to 200 EUR monthly, 2% thereafter
Source: Wirex fees
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
EEA, per month
Other fees & markups
Card delivery fee in EEA: 5 EUR (DHL WorldMail, untracked) or 15 EUR (DHL Express) · Crypto transfers to external wallets: variable network-based fees · Local card top-up: 0% or more depending on currency and country · One-off GBP 30 administrative fee on account closure for Terms of Service violationsShow source
Other fees & markups: Card delivery fee in EEA: 5 EUR (DHL WorldMail, untracked) or 15 EUR (DHL Express) · Crypto transfers to external wallets: variable network-based fees · Local card top-up: 0% or more depending on currency and country · One-off GBP 30 administrative fee on account closure for Terms of Service violations
Source states (paraphrased): | European Economic Area | DHLWorldMail (not trackable) | 5 EUR |
Source: Wirex fees
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Cashback & rewards
Base cashback
2%*Show source
Base cashback: 2%
Essential, paid in XRP
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential, paid in XRP
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Standard plan, Entry tier
Max cashback
4%*Show source
Max cashback: 4%
Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Elite plan (€29.99/month) at the Ultimate WXT-lock tier
Cashback paid in
XRP (or other crypto at Uphold's discretion)Show source
Cashback paid in: XRP (or other crypto at Uphold's discretion)
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Cashback type
CryptoShow source
Cashback type: Crypto
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Crypto*Show source
Cashback type: Crypto
Cryptoback rewards program
Source states (paraphrased): Cryptoback™ , that allows you to earn cryptocurrency every time you use your card
Source: What is the Wirex card?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Cryptoback rewards program
Interest on balance
3%*Show source
Interest on balance: 3%
Up to 3% APY on stablecoin balances; variable; no paid plan stated on page
Source states (paraphrased): earn rewards of up to 3% APY on stablecoin balances
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Up to 3% APY on stablecoin balances; variable; no paid plan stated on page
Max cashback per month
$120/month*Show source
Max cashback per month: $120/month
Essential; Elite $300/month
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite $300/month
Cashback conditions
Standard Enhanced 1%: lock 150,000 WXT for 180 days · Premium (€9.99/month): 1% Entry, 2% with 250,000 WXT, 3% with 750,000 WXT locked · Elite (€29.99/month): 4% Entry, 6% with 1,500,000 WXT, 8% with 7,500,000 WXT lockedShow source
Cashback conditions: Standard Enhanced 1%: lock 150,000 WXT for 180 days · Premium (€9.99/month): 1% Entry, 2% with 250,000 WXT, 3% with 750,000 WXT locked · Elite (€29.99/month): 4% Entry, 6% with 1,500,000 WXT, 8% with 7,500,000 WXT locked
Source states (paraphrased): Users can upgrade to the Enhanced or Ultimate tier by locking 1,500,000 WXT or 7,500,000 WXT tokens, respectively, for 180 days.
Source: X-tras pricing plans and tiers
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
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%
Credit & financing
Credit line
NoShow source
Credit line: No
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
No*Show source
Credit line: No
debit card
Source states (paraphrased): The Wirex card is a debit card that is linked to your Wirex account.
Source: What is the Wirex card?
Official help center / FAQ (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
debit card
Availability
Available in
United States*Show source
Available in: United States
Not in Louisiana, New York or US territories
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not in Louisiana, New York or US territories
Features
Apple Pay
Yes*Show source
Apple Pay: Yes
When available
Source states (paraphrased): Anywhere Visa is accepted worldwide, online and in person, including Apple Pay and Google Pay (when available).
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
When available
YesShow source
Apple Pay: Yes
Source states (paraphrased): Apple Pay makes it easy to pay with your Wirex card on your iPhone, Apple Watch, Mac, iPad, and Apple Vision Pro
Source: Wirex - Apple Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Google Pay
Yes*Show source
Google Pay: Yes
When available
Source states (paraphrased): Anywhere Visa is accepted worldwide, online and in person, including Apple Pay and Google Pay (when available).
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
When available
Physical card
Yes*Show source
Physical card: Yes
Essential: plastic $4.99; Elite: metal $0
Source states (paraphrased): Physical Card $0 (Metal card) $4.99 (Plastic card)
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Essential: plastic $4.99; Elite: metal $0
YesShow source
Physical card: Yes
Source states (paraphrased): The Wirex card comes in both virtual and physical forms
Source: Benefits of the Wirex card explained
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Virtual card
Yes*Show source
Virtual card: Yes
Essential and Elite: $0
Source states (paraphrased): Virtual Card $0 $0
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Essential and Elite: $0
YesShow source
Virtual card: Yes
Source states (paraphrased): The Wirex card comes in both virtual and physical forms
Source: Benefits of the Wirex card explained
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
ATM withdrawals
Yes*Show source
ATM withdrawals: Yes
Essential: $2.95 per withdrawal; Elite: $0
Source states (paraphrased): ATM Withdrawal Fee $0 $2.95
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Essential: $2.95 per withdrawal; Elite: $0
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): the physical card can be used at any point of sale or ATM that accepts Visa or Mastercard
Source: Benefits of the Wirex card explained
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source states (paraphrased): Funding your card with stablecoins. Use USD-pegged stablecoins to help keep taxes low.
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
YesShow source
Spend stablecoins: Yes
Source states (paraphrased): make purchases with cash, stablecoins, and cryptocurrencies
Source: Benefits of the Wirex card explained
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Security & custody
Regulation / licences
USD balances held at Cross River Bank, Member FDIC (pass-through insurance up to $250,000 if conditions are met) · Uphold is not a bankShow source
Regulation / licences: USD balances held at Cross River Bank, Member FDIC (pass-through insurance up to $250,000 if conditions are met) · Uphold is not a bank
Source states (paraphrased): are held at Cross River Bank, Member FDIC, and are insured up to $250,000. Uphold is not an FDIC-insured bank.
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Annual cost at 1,500 EUR/month
Uphold Debit Card (US)
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−32 EUR
- Cashback+360 EUR
- Net annual value274 EUR
Wirex 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