Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing Wirex Card and Gemini Credit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Gemini Credit scores 4.5/5 on Sweepbase vs 3.6/5 for Wirex. That gap shows up mostly in fees and feature coverage.
Gemini Credit Card is the better card here. Gemini Credit also lets you earn yield on your deposits, something Wirex doesn't offer. Zero fixed costs give Gemini Credit a cost advantage from day one. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Wirex may be better if you need broader regional coverage.
In short: Gemini Credit Card (4.5/5) is the stronger option for most people compared to Wirex Card (3.6/5).
| Features |  Wirex Card |  Gemini Credit Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Custodial | Custodial | |
| Mastercard Debit | Mastercard Credit | |
| 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% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange | |
| Up to 8% in WXT tokens (tiered by plan; base 0.5%) | 4% on gas, 3% on dining, 2% on groceries, 1% on everything else. 4% category capped at $200/month spend. Cashback auto-converts to crypto of choice (50+ options). APR 18.99-34.99%. | |
| Based on account tier and verification | Cash advance only; 3% + $10 fee, 29.99% APR | |
| Free up to ~EUR 200/month then 2%; daily/monthly caps vary by plan tier | Referral: $50 per friend + $250 bonus per 5 referrals (up to $5000/year) | |
| 68+ fiat and cryptocurrencies including BTC, ETH, LTC, XRP, XLM, ADA, XTZ, EOS, DOGE | not card FX) | |
| UK + EEA + Australia, New Zealand, Hong Kong, Taiwan | USA only | |
| Get Card | Get Card |