Wirex One Card
Wirex One debit card with five membership tiers: Base, Premium, Elite, Private and Bespoke. Earn 0.5% to 8% cashback in USD on eligible purchases, credited to a Rewards Balance with no per-transaction cashback cap. Cashback can be redeemed into the account balance subject to a monthly redemption limit of $25 to $2,000 by tier, and unused cashback rolls forward.
Is the Wirex One Card worth it?
The Wirex One Card is a debit card on Visa/Mastercard, paying up to 8% back on spend, with no annual fee. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
- you want up to 8% back on everyday spending
- you don't want to stake or lock up a token to earn the rate
- you want a card with no annual fee
- you want your crypto to stay in your own wallet until you spend it
How we rate the Wirex One Card
- Cost25%5.0 / 5
No monthly, annual or card fee, 0.35% FX (confirmed by Wirex) and a free monthly ATM allowance.
- Conditions25%3.7 / 5
Elite's 3% needs a $2,500 balance with 3% held in WPAY — nothing locked. The advertised 8% needs $50,000, more than twice the scored rate.
- Rewards25%4.5 / 5
Elite pays 3% in USD — about $45 at $1,500 spend, well within its $300 monthly redemption cap.
- Reliability25%3.5 / 5
Wirex has been operating since 2014, and its team kindly confirmed the current FX fee (0.35%) for us. This score reflects one detail on its public pages that hasn't caught up yet: the card page and help centre still describe FX as free. We'll happily review this score once those pages are updated.
Wirex One is a strong all-in-one crypto card with up to 8% USD cashback, self-custody, no monthly membership fee and broad banking functionality. Its biggest weakness is the requirements for higher membership tiers, which require substantial portfolio balances and WPAY holdings. The cashback redemption limits also restrict how quickly large rewards can be withdrawn, although unused rewards roll forward. Overall, Wirex One earns 4.1/5 for combining unusually strong rewards and features with meaningful tier requirements.
Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.
The card at a glance
Earning Up to 8%
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Up to 8%, paid in USD. No staking required for the base rate.
- There is no per-transaction cashback cap.
- Cashback can be redeemed into the account balance for spending, subject to a monthly redemption limit of $25-$2,000 depending on membership tier.
- Unredeemed cashback rolls over to the next month.
Compare the plans
This card has 5 plans. Select one to see its rate, fees and perks.
Fees you'll actually meet
Strengths and trade-offs
WORKS FOR YOU IF
- No monthly or annual card fees
- Up to 8% cashback in USD
- Non-custodial crypto wallet with private-key export
- Apple Pay and Google Pay
- Virtual, plastic and Visa Signature metal card options by tier
LOOK ELSEWHERE IF
- Higher membership tiers require minimum portfolio balances and WPAY holdings
- Monthly cashback redemption limits vary by tier, although unredeemed cashback rolls over
- Premium and Elite users pay physical-card delivery fees
- KYC is required for card access
- Higher tiers require exposure to WPAY
What sets it apart
- Non-custodial stablecoin and crypto banking
- Five membership tiers based on portfolio balance and WPAY percentage
- Up to 8% USD cashback with rollover of unredeemed cashback
- Named accounts with EUR SEPA and USD ACH support
- Salary payments
- Crypto-backed Credit
- Apple Pay and Google Pay
- Virtual, plastic and Visa Signature metal cards depending on tier
Latest news & analysis
- NEWS · Wirex One Opens to the Public on Circle's ArcWirex's stablecoin neobank launched publicly on 16 September as a day-one partner on Circle's Arc mainnet, with a non-custodial wallet and up to 8% cashback.
- NEWS · SoFi Moves a $25bn Card Programme to Stablecoin SettlementSoFi's debit and credit cards now settle on Mastercard's network in SoFiUSD, a stablecoin issued by a US national bank. Cardholders see no change at the till.
- GUIDE · Choosing a Crypto Card for TravelAbroad, the FX fee and the ATM allowance matter far more than the cashback rate. What to check before you travel, and the traps that catch crypto cards specifically.
Common questions
Where can I use the Wirex One Card?
Does the Wirex One Card have an annual fee?
Do I need to stake anything to earn rewards?
How much can I earn with the Wirex One Card?
Does it work with Apple Pay and Google Pay?
Is this a self-custody card?
Figures on this page come from Wirex One's published card terms and were verified on October 8, 2026. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
- NEWSSolid Adds a Euro Balance: No FX Fee on Euro Purchases for Wirex-Issued Cards
- NEWSTangem Pay Launches Physical Cards: Delivery Fees, Card Limits and ATM Costs
- NEWSKAST Waives Its FX Fee on 16 Latin American Currencies Until the End of 2027
- GUIDEWhy “up to 10%” usually means less — cashback caps explained
- FAQCan you book a hotel with a crypto card?
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