Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.By subscribing you agree to receive emails and to our Privacy Policy.
Comparing Wirex Card and Gemini Credit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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, slightly ahead of Wirex at 4.1/5. Both are solid options, but Gemini Credit is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Mastercard in the EEA; Visa in Singapore | Mastercard Credit |
| Custody | Hybrid: the Wirex One wallet is non-custodial, while the fiat card balance sits with the issuer. The legacy Wirex App remains fully custodial | Custodial |
| Costs | ||
| Issuance fee | Not published: the issuer discloses no issuance or delivery fee | Free |
| Annual fee | None. Wirex One charges no subscription; tiers gate on WPAY holdings instead | Free |
| FX fee | 0% foreign transaction fee (the issuer's own fee table lists exactly one line, "Foreign…0% foreign transaction fee (the issuer's own fee table lists exactly one line, "Foreign transaction fee: Free"). The conversion rate is set "by Wirex from time to time", with the interbank rate promised only for major currencies during FX market hours and carve-outs for weekends, holidays, illiquid pairs and volatile markets; no markup percentage is disclosed | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | 0.5-8% (USD, tiered) | Up to 4% |
| Yield on spendable balance | UnclearThe issuer claims yield without saying which balance earns | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | IBAN yes (personal EUR IBAN); SEPA yes; Faster Payments (GBP) | No |
| Daily spend limit | Based on account tier and verification | None (US credit card) |
| ATM withdrawal limit | Limits only: 750 EUR/day and 5,000 EUR/month on physical and metal cards, virtual N/A…Limits only: 750 EUR/day and 5,000 EUR/month on physical and metal cards, virtual N/A (Wirex One, may vary by region). The ATM fee and any free allowance are not published by the issuer; the widely quoted "free to 200 EUR/month then 2%" has no primary source | Cash advance only; 3% + $10 fee, 29.99% APR |
| Top-up methods | 68+ fiat and cryptocurrencies including USDT, USDC, DAI, BTC, ETH, LTC, XRP, XLM, ADA, XTZ, EOS, DOGE | Link to Gemini account; spend in fiat (USD) |
| Regions | 35 countries per Wirex's own supported-countries table: the UK, 27 of the 30 EEA states…35 countries per Wirex's own supported-countries table: the UK, 27 of the 30 EEA states, Switzerland, Australia, New Zealand, Hong Kong, Taiwan, Argentina and Brazil. The US is card-excluded - a US resident can hold a Wirex account but the Card column reads N/A - as are Canada, Japan, South Korea, China, Russia, the Philippines and Singapore | USA only |
| Behind the card | ||
| Card issuer | Wirex Limited — UK (FCA FRN 902025)Named in the card terms | WebBank — USA (Utah industrial bank, FDIC-insured)Named in the card terms |
| Our read | ||
| Strengths |
|
|
| Trade-offs |
|
|
| Get Wirex Card | Get Gemini Credit Card | |
Gemini Credit Card is the better card here. 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 (4.4/5) is the stronger option for most people compared to Wirex Card (4.1/5).
