Side-by-side comparison of Wirex Card and Bybit Card — fees, cashback rates, custody models, and regional availability. Updated for 2026 with our editorial verdict based on real data from both issuers.
Quick Verdict:
Both cards score closely — Bybit at 3.8/5 vs Wirex at 3.6/5. Bybit has a slight edge, but the best choice depends on your priorities.
| Features |  Wirex Card |  Bybit Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Custodial | Custodial | |
| Mastercard Debit | Mastercard; Visa | |
| Free | Free | |
| Free to paid tiers (varies by plan) | Free | |
| 0% FX fees on all tiers (official); spreads on crypto-to-fiat conversion apply | 0.5% EEA/CH/MX; 1% AU; 2% APAC (non-AU); 1.5% Brazil; 7% Argentina + 0.9% crypto conversion | |
| Up to 8% in WXT tokens (tiered by plan; base 0.5%) | Advertised 2-10% cashback based on VIP level, but the base tier has a strict $10 USDT monthly cashback cap. Even at 2% cashback, you max out at just $500/month in spending before hitting the cap. At typical $2,000/month spending, the effective cashback rate drops to just 0.5% ($10 cap / $2,000). To reach 10%, you need VIP Supreme status, which requires $1M+ in assets or massive trading volume ($1M spot + $10M derivatives in 30 days for VIP 1 alone). No staking required, but the monthly cap makes the high percentage misleading for regular users. Realistic cashback for a typical user: 2% capped at $10/month. | |
| Based on account tier and verification | €5000/day standard; €20000/day Level 3 | |
| $700/day, $2700/month; free up to $200/month then 2% | First €100/month free in EEA, then 2%; other regions: first withdrawal free, then 2% | |
| 68+ fiat and cryptocurrencies including BTC, ETH, LTC, XRP, XLM, ADA, XTZ, EOS, DOGE | BTC, ETH, XRP, USDT, USDC, TON, BNB, MNT (8 cryptos, region-dependent) | |
| 150+ countries globally | 27 EEA countries, Switzerland, Australia, Latin America; NOT available in US, UK, Canada, France, Singapore, China | |
| Get Wirex Card | Get Bybit Card |
Bybit Card is our pick in this matchup. Bybit also lets you earn yield on your deposits, something Wirex doesn't offer. Zero fixed costs give Bybit a cost advantage from day one. Full Apple Pay and Google Pay support makes it practical for daily spending. However, Wirex may be better if you have specific feature requirements.
Bottom line: For most crypto card users, Bybit Card (3.8/5) delivers better overall value than Wirex Card (3.6/5).