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Wise Card vs XPlace Card

Wise Card

E-money / FinTech

6.9
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XPlace Card

Crypto native

6.6
Get the card

Verdict

  • Wise Card scores higher overall (6.9 vs 6.6 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.

Wise Card is a good fit for

  • 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
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Review & sourcesWise Card vs ether.fi CashXPlace Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionWise CardXPlace Card
Fees100100
Cashback & rewards1236
Availability100–
FX & international83–
Product features7070
Custody & security7580
Credit & financing3075
Limits & ATM51–
Transparency100100
Best for Cashback5.05.6
Best for Travel7.5n/a
Best for Self-Custodyn/a7.3
Best for DeFi Usersn/a7.2
Best for Stablecoinsn/a7.1
Best for High Spenders4.95.8
Best for Low Fees8.88.0
Best for Beginners8.17.7
Best Crypto Credit Cardn/a7.6
Best E-Money Card8.4n/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
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

VisaConditions apply: tap or hover for detailsShow source

Visa in Ireland and the EEA; network depends on issuing country

VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

Self-custodyShow source

Card issuer / program manager

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

Tiers / plans

No data yet
Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/year)Show source

Fees

Annual fee

No data yet
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

No subscription required

No data yet

Physical card fee

€7Conditions apply: tap or hover for detailsShow source

Ireland page; one-time card order fee

No data yet

Virtual card fee

FreeConditions apply: tap or hover for detailsShow source

Ireland page

No data yet

Replacement fee

€4Conditions apply: tap or hover for detailsShow source

Ireland page; free if the card was expiring

No data yet

FX fee

0.43%Conditions apply: tap or hover for detailsShow source

From; varies by currency pair; 0% when spending a currency you hold

No data yet

Top-up fee

FreeConditions apply: tap or hover for detailsShow source

Domestic bank transfer only; other payment methods have varying fees

No data yet

ATM fee

2.69%Conditions apply: tap or hover for detailsShow source

Eurozone-issued cards, above the free allowance; ATM operators may add fees

No data yet

Free ATM allowance

€250/monthConditions apply: tap or hover for detailsShow source

Eurozone-issued cards; no limit on the number of free withdrawals

No data yet

Other fees & markups

Conversion fee when spending a currency not held in the account · Fee may apply to get or replace the card · ATM withdrawals free only up to a certain amountConditions apply: tap or hover for detailsShow source

Spending a currency you hold is free

No data yet

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

No cashback on card spending (owner research)

0.5%Conditions apply: tap or hover for detailsShow source

Basic plan, Credit Mode

Max cashback

No data yet
2%Conditions apply: tap or hover for detailsShow source

Platinum plan ($999/year), Credit Mode

Cashback paid in

No data yet
USDCShow source

Cashback type

NoneConditions apply: tap or hover for detailsShow source

No cashback on card spending (owner research); Wise's 'balance cashback' is interest on the balance, recorded as interest

StablecoinShow source

Interest on balance

2.4%Conditions apply: tap or hover for detailsShow source

Balance cashback for EEA customers on USD balances (September 2026, annualised, variable); EUR 1.20%, GBP 2.20%; 30% Belgian withholding tax deducted; minimum balance applies

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

No data yet
Rates apply to Credit Mode: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%Show source

Minimum balance

€101Conditions apply: tap or hover for detailsShow source

Held for the whole month to receive balance cashback, based on September 2026 rates (55 GBP, 51 USD)

No data yet

Reward exclusions

Account outside the EEA · Money held in Wise Assets (interest/stocks) · Negative or suspended account · Pre-tax cashback under 0.10 · Opted out of cashbackShow source
No data yet

Credit & financing

Credit line

NoShow source
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

YesShow source
YesShow source

Spend by borrowing against collateral

No data yet
YesShow source

Availability

Available in

Australia, Brazil, Canada, EEA, Japan, Malaysia, New Zealand, Philippines, Singapore, Switzerland, Thailand, United Kingdom, United StatesConditions apply: tap or hover for detailsShow source

Thailand only for accounts registered on or after 21 January 2026

No data yet

Not available in

Hong KongConditions apply: tap or hover for detailsShow source

Cards are blocked on moving to Hong Kong; no new card offered

No data yet

Account / spend currencies

EUR · GBP · USD · and many moreShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Personal accounts; business accounts may pay a one-time setup fee

No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
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

No data yet
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

Security & custody

Regulation / licences

Wise Europe SA: authorised payment institution supervised by the National Bank of BelgiumConditions apply: tap or hover for detailsShow source

EU entity

No data yet

Deposit protection

NoConditions apply: tap or hover for detailsShow source

Funds safeguarded (cash at commercial banks and money market funds), not covered by the Belgian Deposit Guarantee Scheme; Assets investment feature has separate Estonian Guarantee Fund protection

No data yet

Annual cost at 1,500 EUR/month

Wise Card

  • Annual & monthly fees+0 EUR
  • FX costs−15 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • Net annual value-15 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 Wise Card comparisons

More XPlace Card comparisons