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Uphold Debit Card (US) vs Wirex One Card

Uphold Debit Card (US)

Crypto native

5.6
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Wirex One Card

Crypto native

7.0
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Verdict

  • Wirex One Card scores higher overall (7.0 vs 5.6 out of 10).
  • Wirex One Card is clearly stronger on: FX & international, Limits & ATM.
  • 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

Wirex One Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: 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
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Review & sourcesUphold Debit Card (US) vs ether.fi CashWirex One Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionUphold Debit Card (US)Wirex One Card
Fees99100
Cashback & rewards5044
Availability3–
FX & international40100
Product features7070
Custody & security––
Credit & financing3030
Limits & ATM73100
Transparency100100
Best for Cashback5.76.3
Best for Travel5.78.6
Best for DeFi Users5.86.0
Best for Stablecoins6.77.8
Best for High Spenders6.06.9
Best for Low Fees8.110.0
Best for Beginners6.87.4

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

Debit cardShow source
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

Essential (no annual fee) · Elite ($99.99/year)Show source
Base · Premium · Elite · Private · BespokeShow source

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Essential; Elite $99.99/year

FreeShow source

Monthly fee

No data yet
FreeShow source

Physical card fee

$4.99Conditions apply: tap or hover for detailsShow source

Essential

No data yet

FX fee

1.5%Conditions apply: tap or hover for detailsShow source

Essential; Elite has no foreign transaction fees

0%Show source

ATM fee

$2.95Conditions apply: tap or hover for detailsShow source

Essential; Elite has no ATM fees

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

Essential, paid in XRP

0.5%Conditions apply: tap or hover for detailsShow source

Base tier

Max cashback

4%Conditions apply: tap or hover for detailsShow source

Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins

8%Conditions apply: tap or hover for detailsShow source

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

Cashback paid in

XRP (or other crypto at Uphold's discretion)Show source
USDShow source

Cashback type

CryptoShow source
FiatShow source

Interest on balance

3%Conditions apply: tap or hover for detailsShow source

Up to 3% APY on stablecoin balances; variable; no paid plan stated on page

9.75%Conditions apply: tap or hover for detailsShow source

Up to; stablecoin savings, flexible or fixed terms

Max cashback per month

$120/monthConditions apply: tap or hover for detailsShow source

Essential; Elite $300/month

No data yet

Cashback conditions

No data yet
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

United StatesConditions apply: tap or hover for detailsShow source

Not in Louisiana, New York or US territories

No data yet

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

When available

YesShow source

Google Pay

YesConditions apply: tap or hover for detailsShow source

When available

YesShow source

Physical card

YesConditions apply: tap or hover for detailsShow source

Essential: plastic $4.99; Elite: metal $0

YesShow source

Virtual card

YesConditions apply: tap or hover for detailsShow source

Essential and Elite: $0

YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Essential: $2.95 per withdrawal; Elite: $0

YesShow source

Spend stablecoins

YesShow source
YesShow source

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
No data yet

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 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 Uphold Debit Card (US) comparisons

More Wirex One Card comparisons