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Wirex Card vs Gemini Credit Card: 2026 Comparison

Comparing Wirex Card and Gemini Credit Card on fees, cashback, custody, and where each card is available.

Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way. Read our editorial disclosure.

The short version:

Gemini Credit rates 4.4/5, ahead of Wirex at 4.1/5. The gap is 0.3 of a point: a few line items in the formula, not a different class of card. What moves the score for Gemini Credit: no issuance or annual fee, up to 4% cashback.

Wirex:
Gemini Credit:

Side by side

Side-by-side comparison of Wirex Card, Gemini Credit Card. Scroll horizontally to see all columns.
Feature

Wirex Card 4.1 out of 5, Sweepbase rating

Get card Wirex Card

Gemini Credit Card 4.4 out of 5, Sweepbase rating

Get card Gemini Credit Card
Overview
Card typeVirtual + Physical. Base tier gets a virtual card only; a plastic card from PremiumVirtual and physical metal card, in several designs
NetworkVisa or Mastercard
The fine print
  • Premium and Elite get a plastic card on either scheme, and Private and Bespoke a metal Visa card
  • The card-based service is provided by Wirex Limited in the EEA, the UK and the rest of the world, and by Novatti Group in Australia and New Zealand
Mastercard Credit
CustodyHybrid: the Wirex One terms say the card authorises "using digital assets held in your Self-Custodial Wallet", while…
The fine print
  • … fiat accounts and IBANs run through "a payment account … made available through regulated third-party service providers"
  • The legacy Wirex App remains fully custodial
Custodial
Costs
Issuance feeNot published: free delivery on Private and Bespoke per the tier matrix
The fine print
  • The help centre refers other tiers to "Card limits and fees" for delivery fees, and that page lists none
 Strength: Free
Annual feeNone. Wirex One charges no subscription; tiers gate on WPAY holdings instead Strength: Free
FX fee Strength: 0% foreign transaction fee on every tier…
The fine print
  • … (fee table: "Foreign transaction fee: Free"; tier matrix: "Foreign Exchange Fee | Free" on all five tiers)
  • The terms add that on non-card-currency transactions "applicable exchange rates (including those set by the relevant card scheme or service providers) and any associated mark-ups or fees will apply", and no markup percentage is disclosed
0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX)
Rewards
Cashback Strength: 0.5-8% (USD, tiered) Strength: Up to 4%
Yield on spendable balanceNoThe issuer pays yield, but in a separate productNoThe issuer pays yield, but in a separate product
Access
Apple / Google Pay Strength: Yes (Apple Pay; Google Pay) Strength: Yes (Apple Pay; Google Pay)
Bank account in your name Strength: IBAN yes (personal EUR IBAN); SEPA yes; Faster Payments (GBP)No
Daily spend limit30,000 EUR per purchase and 30,000 EUR a month on virtual and plastic cards
The fine print
  • Metal 30,000 EUR per purchase and 75,000 EUR a month, raisable on request
  • Limits may vary by region
None (US credit card)
ATM withdrawal limitLimits only: 750 EUR/day and 5,000 EUR/month on physical and metal cards, virtual N/A (limits may vary by region)
The fine print
  • Wirex's Wirex One page advertises "fee-free ATM withdrawals worldwide", but the help-centre fee table lists no ATM line and no free allowance
  • The widely quoted "free to 200 EUR/month then 2%" still has no primary source
Cash advance only; $10 or 3% of each cash advance, whichever is greater, at 29.49% APR charged from the transaction date
Top-up methods40+ crypto and fiat currencies ("instant exchange between 40+ crypto & fiat currencies"), including USDT, USDC, DAI…
The fine print
  • … BTC, ETH, LTC, XRP, XLM, ADA, XTZ, EOS and DOGE, plus SEPA, Faster Payments, ACH, card and stablecoin deposits
Link to Gemini account; spend in fiat (USD)
Regions73 countries per Wirex's supported-countries list: all 30 EEA states, the UK, Switzerland, Andorra, Monaco, Gibraltar…
The fine print
  • … Guernsey, Jersey, the Isle of Man, Moldova, Montenegro, Serbia and Ukraine
  • Australia, New Zealand, Hong Kong, Macao, Taiwan, Japan, South Korea, Malaysia, Thailand and the Philippines
  • The United Arab Emirates, Bahrain, Oman, Azerbaijan, Georgia, Kazakhstan and Uzbekistan
  • Ghana, Kenya, Nigeria, South Africa and Uganda
  • Argentina, Brazil, Chile, Colombia, Ecuador, El Salvador, Mexico, Panama and Peru
  • The card is not available in the United States, Canada, Singapore, Russia or mainland China
USA only
Behind the card
Card issuerWirex Limited, UK (FCA FRN 902025); Sutton Bank, USA (Ohio); Transact Payments Malta Limited, Malta (MFSA C 91879)Named in the card terms; Sutton Bank is inferredWebBank, USA (Utah industrial bank, FDIC-insured)Named in the card terms
Our read
Strengths
  • FX fee of 0.5% or less
  • Cashback: 0.5-8% (USD, tiered)
  • Apple Pay and Google Pay
  • Bank account in your name
  • Virtual and physical
  • No issuance or annual fee
  • Cashback: Up to 4%
  • Apple Pay and Google Pay
  • Virtual and physical
Trade-offs
  • Issuer holds your funds
  • Issuer holds your funds

Which scores higher

Nothing in the formula favours Wirex over Gemini Credit. What the formula cannot see is where you live and what you spend on: if Wirex is sold in your country and Gemini Credit is not, that settles it, and the Regions row above is where to check.

Wirex vs Gemini Credit: FAQ

Gemini Credit Card scores higher on the Sweepbase formula, at 4.4/5. What moves the score: no issuance or annual fee, up to 4% cashback. The formula does not know where you live or how you spend, so check availability and fees for your own case.

Wirex Card: issuance Not published: free delivery on Private and Bespoke per the…, annual None, 0% foreign transaction fee on every tier… Gemini Credit Card: issuance Free, annual Free, 0% foreign transaction fees… You can compare total annual cost using our fee calculator.

Wirex Card: 0.5-8% cashback (USD, tiered). Gemini Credit Card: Up to 4% cashback. Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Wirex Card: Hybrid custody. Gemini Credit Card: Custodial. Each card page quotes how its terms describe who holds the funds.

Wirex Card supports Apple Pay and Google Pay. Gemini Credit Card supports Apple Pay and Google Pay.

Wirex Card: 73 countries. Gemini Credit Card: USA. Check each card's detail page for the full country list.

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