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Wirex Card vs XPlace Card

Wirex Card

Crypto native

6.4
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XPlace Card

Crypto native

6.6
Get the card

Verdict

  • XPlace Card scores higher overall (6.6 vs 6.4 out of 10).
  • XPlace Card is clearly stronger on: Cashback & rewards, Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Wirex Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

XPlace Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

Stronger on: Cashback & rewards, Credit & financing

★ 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 & sourcesWirex Card vs ether.fi CashXPlace Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionWirex CardXPlace Card
Fees100100
Cashback & rewards2636
Availability––
FX & international100–
Product features7070
Custody & security–80
Credit & financing3075
Limits & ATM64–
Transparency93100
Best for Cashback5.25.6
Best for Travel7.9n/a
Best for Self-Custodyn/a7.3
Best for DeFi Users5.67.2
Best for Stablecoins7.47.1
Best for High Spenders5.85.8
Best for Low Fees9.48.0
Best for Beginners7.17.7
Best Crypto Credit Cardn/a7.6

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
ActiveConditions apply: tap or hover for detailsShow source

Silver physical cards live; Gold and Platinum physical cards coming soon

Card type

Debit cardShow source
Debit card, Crypto-backed creditShow source

Network

Visa / MastercardConditions apply: tap or hover for detailsShow source

Visa or Mastercard depending on region

VisaShow source

Custody model

No data yet
Self-custodyShow source

Card issuer / program manager

No data yet
Third National; programme managed by Signify Holdings, Inc. (Rain)Show source

Tiers / plans

Standard · Premium · EliteConditions apply: tap or hover for detailsShow source

Each plan has Entry tier plus WXT-lock boost tiers (Enhanced/Ultimate)

Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/year)Show source

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

No annual card fee; paid X-tras plans are billed monthly

FreeConditions apply: tap or hover for detailsShow source

Basic plan; Silver $99, Gold $249, Platinum $999 a year

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Standard plan free; Premium €9.99/month or €102/year; Elite €29.99/month or €306/year

No data yet

Physical card fee

FreeConditions apply: tap or hover for detailsShow source

Card issuance free in all regions; delivery fee separate (EEA: 5 EUR untracked, 15 EUR DHL Express)

No data yet

FX fee

0%Conditions apply: tap or hover for detailsShow source

As stated on this help article

No data yet

Top-up fee

FreeConditions apply: tap or hover for detailsShow source

SEPA (EUR) bank transfer deposit free; local card funding 0% or more depending on currency/country

No data yet

ATM fee

2%Conditions apply: tap or hover for detailsShow source

EEA: after 200 EUR free monthly

No data yet

Free ATM allowance

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

EEA, per month

No data yet

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
No data yet

Cashback & rewards

Base cashback

0.5%Conditions apply: tap or hover for detailsShow source

Standard plan, Entry tier

0.5%Conditions apply: tap or hover for detailsShow source

Basic plan, Credit Mode

Max cashback

8%Conditions apply: tap or hover for detailsShow source

Elite plan (€29.99/month) at the Ultimate WXT-lock tier

2%Conditions apply: tap or hover for detailsShow source

Platinum plan ($999/year), Credit Mode

Cashback paid in

WXTShow source
USDCShow source

Cashback type

CryptoConditions apply: tap or hover for detailsShow source

Cryptoback rewards program

StablecoinShow source

Interest on balance

No data yet
6.15%Conditions apply: tap or hover for detailsShow source

Variable vault APY via Kamino Finance (Solana vault; USDT 3.26%, BTC 5.43%)

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
Rates apply to Credit Mode: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%Show source

Staking / holding required for top rewards

YesConditions apply: tap or hover for detailsShow source

Higher tiers require locking WXT for 180 days (e.g. 150,000 WXT for Standard Enhanced)

No data yet

Staking asset

WXTShow source
No data yet

Reward exclusions

Cash withdrawals · TransfersShow source
No data yet

Credit & financing

Credit line

NoConditions apply: tap or hover for detailsShow source

debit card

YesShow source

Credit type

No data yet
Crypto-backed creditShow source

Collateral assets

No data yet
BTC · ETH · SOL · JitoSOL · USDT · Tokenized stocksShow source

Max loan-to-value

No data yet
80%Conditions apply: tap or hover for detailsShow source

Tether vault; SOL and BTC 65%, ETH 70%

Liquidation risk

No data yet
YesShow source

Spend own balance directly

No data yet
YesShow source

Spend by borrowing against collateral

No data yet
YesShow source

Features

Apple Pay

YesShow source
YesShow source

Google Pay

No data yet
YesShow source

Physical card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Silver plan; Gold and Platinum coming soon

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
No data yet

Spend stablecoins

YesShow source
YesShow source

Airport lounge access

No data yet
NoConditions apply: tap or hover for detailsShow source

Basic plan; Silver 1, Gold 4 visits a year, Platinum unlimited

Spendable assets

No data yet
BTC (cbBTC) · ETH (wETH) · SOL · JitoSOL · USDC · USDT · xStocks (tokenized equities)Show source

Blockchains

No data yet
SolanaShow source

Limits

Spending limit

No data yet
$2,000Conditions apply: tap or hover for detailsShow source

Per month, Basic plan; up to $750,000 on Platinum

Annual cost at 1,500 EUR/month

Wirex Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+90 EUR
  • Net annual value90 EUR

XPlace Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+90 EUR
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Wirex Card comparisons

More XPlace Card comparisons