Side-by-side comparison of Wirex Card and OKX 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 — OKX at 3.8/5 vs Wirex at 3.6/5. OKX has a slight edge, but the best choice depends on your priorities.
| Features |  Wirex Card |  OKX Card |
|---|---|---|
| Virtual + Physical | Virtual only | |
| Custodial | Custodial | |
| Mastercard Debit | Mastercard Debit | |
| Free | Free | |
| Free to paid tiers (varies by plan) | Free | |
| 0% FX fees on all tiers (official); spreads on crypto-to-fiat conversion apply | 0.1% conversion spread (official docs); no transaction or FX fees | |
| Up to 8% in WXT tokens (tiered by plan; base 0.5%) | Launch promotion (Jan-Feb 2026): 15-20% cashback — this promo has ended as of February 28, 2026. Regular users got 15% capped at 100 EUR; VIP users got 20% capped at 200 EUR during the promo period. Post-promo (current as of March 2026): VIP-tiered cashback at 2-5% depending on OKX VIP status. For new users without existing VIP status, the base rate is likely around 2%. EEA-only card. Cashback is paid in USDG stablecoin. Specific tier requirements and monthly caps for the ongoing program are not fully disclosed. Realistic cashback for a typical user: ~2% (post-promo). | |
| Based on account tier and verification | Based on verification and tier | |
| $700/day, $2700/month; free up to $200/month then 2% | Available with physical card | |
| 68+ fiat and cryptocurrencies including BTC, ETH, LTC, XRP, XLM, ADA, XTZ, EOS, DOGE | USDC, USDG stablecoins from OKX Pay account | |
| 150+ countries globally | EEA + Brazil | |
| Get Wirex Card | Get OKX Card |
OKX Card is our pick in this matchup. Zero fixed costs give OKX 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 need broader regional coverage.
Bottom line: For most crypto card users, OKX Card (3.8/5) delivers better overall value than Wirex Card (3.6/5).