Uphold Card vs Wirex One Card: which wins?

Cashback, annual fee, FX and ATM charges, custody and country availability — both cards on the same fields, taken from each issuer's published terms; each card page shows when its data was last verified.

DEBITUphold logo
CASHBACK
4%
ANNUAL FEE
Free…
UPHOLD CARD
UPHOLD
VISA (US) / MASTERCARD (UK)

Uphold Card

Uphold
  • No staking
  • Apple Pay
  • Google Pay
DEBITWirex One logo
CASHBACK
8%
ANNUAL FEE
Free
WIREX ONE CARD
WIREX ONE
VISA/MASTERCARD

Wirex One Card

Wirex One
  • High cashback
  • No fees
  • Self-custody
  • No staking
OUR SCORE

How we rate them

Our own assessment, not a user rating — four criteria at 25% each, scored against each issuer's published terms. See the scoring model.

Editorial scores for the Uphold Card and the Wirex One Card
CriterionUphold CardWirex One Card
Overall4.0 / 54.2 / 5
Cost 25%4.0Elite removes both the foreign transaction fee and ATM charges for $99.99 a year; on the free Essential card those cost $1.50 per purchase and $2.95 per withdrawal.5.0No monthly, annual or card fee, 0.35% FX (confirmed by Wirex) and a free monthly ATM allowance.
Conditions 25%4.0No stake or balance — the better rate needs only the $99.99 annual membership, which typical spending recovers several times over.3.7Elite'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.
Rewards 25%4.54% in XRP on crypto-funded purchases with Elite, capped at $300 a month, worth around 3.4% after the fee. The free tier pays 2%, capped at $120.4.5Elite pays 3% in USD — about $45 at $1,500 spend, well within its $300 monthly redemption cap.
Reliability 25%3.5A long-running issuer with published reward terms and caps, but its rewards terms URL has moved and the US and UK cards run on different networks.3.5Wirex 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 Card

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.

QUICK VERDICT

Who wins on what

  • HIGHER HEADLINE CASHBACK
    Wirex One Card
    Up to 8% vs Up to 4%
  • CHEAPER TO HOLD
    Wirex One Card
    no annual fee vs Free (Essential) / $99.99/yr (Elite)
  • KEEPS YOUR KEYS
    Wirex One Card
    spends from your own wallet, not a custodial balance

Only stated where the published data supports it. A card with a tiered or conditional fee is not counted as free.

THE SHORT VERSION

How they actually differ

  • Rewards arrive in different assets: XRP in the US, GBP in the UK on the Uphold Card, USD on the Wirex One Card.
  • Uphold Card runs on Visa (US) / Mastercard (UK); Wirex One Card runs on Visa/Mastercard.
EVERY FIELD

Uphold Card vs Wirex One Card, side by side

Full field-by-field comparison of the Uphold Card and the Wirex One Card
FieldUphold CardWirex One Card
Card typeDebitDebit
NetworkVisa (US) / Mastercard (UK)Visa/Mastercard
Max cashbackUp to 4%Up to 8%
Rewards paid inXRP in the US, GBP in the UKUSD
Annual feeFree
(Essential) / $99.99/yr (Elite)
Free
Monthly feeNoneNone
FX fee$1.50 per foreign purchase on Essential; 0% on Elite0.35%
Confirmed by Wirex's team. Some Wirex pages still list FX as free.
ATM fee$2.95 on Essential; free on EliteFree up to $100-$2,500/month by tier; unlimited for Bespoke; 2% after the allowance
Crypto conversionConversion spread of roughly 0.5–1.2% depending on the asset—
Where it worksUnited States (NOT available in: Louisiana, New York), United KingdomAndorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, Australia, Hong Kong, Japan, Macao, Malaysia, New Zealand, Philippines, South Korea, Taiwan, Thailand, Azerbaijan, Bahrain, Georgia, Kazakhstan, Oman, United Arab Emirates, Uzbekistan, Ghana, Kenya, Nigeria, South Africa, Uganda, Argentina, Brazil, Chile, Colombia, Ecuador, El Salvador, Mexico, Panama, Peru
Self-custodyNoYes
No staking neededYesYes
Apple PayYesYes
Google PayYesYes
Virtual card——

A dash means the issuer has not published that figure — it does not mean zero. See our methodology for how each field is verified. Rewards and availability change often and vary by region. Not financial advice.

GO DEEPER

Read the full review of each

Uphold Card review →Wirex One Card review →Compare three cards instead

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