The Wirex Card earns 0.5-8% WXT cashback on a Visa/Mastercard debit card with a €0-€29.99/mo fee, available in 150+ countries.
Wirex is a UK fintech founded in 2014 by Pavel Matveev and Dmitry Lazarichev that launched one of the first crypto-enabled Visa debit cards in 2015. Wirex Limited is authorised by the UK Financial Conduct Authority as an electronic money institution, and the company has stated it holds direct principal membership with both Visa and Mastercard.
The Wirex Card is a crypto debit card offered by Wirex, available in 150+ countries. It offers 0.5-8% WXT cashback across 8 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at €0-€29.99/mo.
Best suited for reward-focused spenders willing to optimize for cashback. Note that monthly cashback caps apply. It runs on the Visa/Mastercard network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Browse all our regional card guides.
On $500/mo spend, the estimated monthly cost breakdown for Wirex Card is: gas $0.00, conversion spread $5.00, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1% of spend. After $5.00/mo cashback that nets a gain of about $0.00/mo ($0.00/yr). Wirex Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
| Tier | Rate | Requirement |
|---|---|---|
| Standard Entry | 0.5% | Free plan, no WXT lock |
| Standard Enhanced | 1% | Free + 150K WXT locked (180 days) |
| Premium Entry | 1% | €9.99/mo |
| Premium Enhanced | 2% | €9.99/mo + 250K WXT locked (180 days) |
| Premium Ultimate | 3% | €9.99/mo + 750K WXT locked (180 days) |
| Elite Entry | 4% | €29.99/mo |
| Elite Enhanced | 6% | €29.99/mo + 1.5M WXT locked (180 days) |
| Elite Ultimate | 8% | €29.99/mo + 7.5M WXT locked (180 days) |
Note: Full 8-tier structure: Standard (0.5-1%), Premium (1-3%), Elite (4-8%). All WXT lockups are 180 days. 8% requires Elite plan + 7.5M WXT locked (~$55K). Monthly caps vary by tier.
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The Wirex Card is a crypto debit card offered by Wirex. It is available in 150+ countries and allows users to spend cryptocurrency at merchants worldwide.
The Wirex Card offers 0.5-8% WXT cashback. There are 8 tiers: Standard Entry (0.5%), Standard Enhanced (1%), Premium Entry (1%), Premium Enhanced (2%), Premium Ultimate (3%), Elite Entry (4%), Elite Enhanced (6%), Elite Ultimate (8%).
The Wirex Card has an annual fee of €0-€29.99/mo. Additional fees: Conversion fee: ~1%; FX fee: 0%; ATM: Free up to $400/mo, then 2%; Inactivity: $5/mo after 90 days inactive.
The Wirex Card is available in 150+ countries. Its availability status is "Global".
The Wirex Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Wirex Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.