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Coinbase Card vs Wirex Card

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-08-24
Coinbase Card3.6

Coinbase Card is a fee-free Visa debit card that spends straight from your Coinbase balance and pays up to 4% back in rotating crypto rewards for US users.

Wirex Card3.0

Wirex Card is a multi-region Visa/Mastercard debit card offering 0.5% to 8% Cryptoback rewards in WXT, with the top rate gated behind a paid plan and a 7.5 million WXT lockup.

Verdict: Coinbase Card

Coinbase Card rates higher on our rubric: 3.6 against 3.0 for Wirex Card.

Criterion
Editorial rating
Coinbase Card
3.6
Wirex Card
3.0

Coinbase Card and Wirex Card, fact by fact

Every row is from the two reviews as of their review dates, with sources on each. A check marks the side a decidable criterion favours; rows without one are information, not a score.

Coinbase Card and Wirex Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactCoinbase CardWirex Card
Editorial rating3.6 (favoured on this row)3.0
IssuerCoinbaseWirex Limited (UK, FCA-regulated EMI) / Wirex UAB (Lithuania, EEA passporting)
CashbackUS Visa debit: rotating rewards up to 4% on selected altcoins, 1% on BTC/ETH/DOGE/DAI. Coinbase One Card: 2% to 4% Bitcoin back tiered by Assets on Coinbase, capped at the first $10,000 of monthly spend for the boosted tiers.Cryptoback in WXT ranges 0.5% on the free Standard plan up to 8% on the Elite Ultimate plan, which requires a €29.99/month subscription plus 7.5 million WXT locked for 180 days.
Top reward tier4% Bitcoin back (Coinbase One Card, $200,000+ AOC)8% Cryptoback (Elite Ultimate)
Reward tiers58
FeesNo annual, monthly, or issuer-side ATM/foreign-transaction fee on the US Visa debit card; the Coinbase One Card carries a required paid membership starting at $4.99/month instead of a card fee.0% FX markup advertised on ordinary fiat card spending across all tiers, a roughly 0.5-1.5% crypto-to-fiat conversion spread, and free monthly ATM withdrawals up to a tier- and region-specific allowance before a 2% fee applies.
Countries issued in3235
Countries both are issued in2828
Last reviewed2026-08-242026-08-24

Pros and cons, side by side

Coinbase Card

What works

  • No monthly or annual fee on the base Visa debit card
  • No issuer-side foreign transaction or ATM fee in the current cardholder agreement
  • Coinbase One Card's Bitcoin-back tiers scale up to 4% for larger Coinbase balances
  • Widely accepted Visa network with Apple Pay and Google Pay support

What to watch

  • Rewards on the plain Visa debit card are US-only; UK and EEA cardholders can spend but earn nothing
  • Coinbase One Card rewards require a paid membership on top of the card itself
  • The 2.5-4% Coinbase One Card tiers are capped at the first $10,000 of monthly spend, reverting to 2% after that
  • Buying crypto with either card is treated as a cash advance with a high APR and no rewards

Wirex Card

What works

  • No issuance fee for virtual or physical cards on any tier
  • 0% advertised FX markup on fiat card spending across all subscription tiers
  • Free Standard tier still earns 0.5% Cryptoback with no subscription required
  • Wide country coverage across Europe, Asia-Pacific, and Latin America

What to watch

  • The advertised 8% cashback requires both a €29.99/month subscription and locking 7.5 million WXT for 180 days
  • Rewards are paid in WXT, Wirex's own token, so their fiat value floats after crediting
  • Crypto-to-fiat conversion carries a separate spread of roughly 0.5-1.5% not included in the 0% FX headline
  • An inactivity fee of roughly €5/month applies to dormant fiat balances after extended non-use

Frequently asked questions

Is Coinbase Card or Wirex Card better?

Coinbase Card rates higher on our rubric: 3.6 against 3.0 for Wirex Card. The rating follows the product rubric on our about page; the rows above set rewards, fees and availability side by side.

Which pays more cashback, Coinbase Card or Wirex Card?

Coinbase Card: US Visa debit: rotating rewards up to 4% on selected altcoins, 1% on BTC/ETH/DOGE/DAI. Coinbase One Card: 2% to 4% Bitcoin back tiered by Assets on Coinbase, capped at the first $10,000 of monthly spend for the boosted tiers.. Wirex Card: Cryptoback in WXT ranges 0.5% on the free Standard plan up to 8% on the Elite Ultimate plan, which requires a €29.99/month subscription plus 7.5 million WXT locked for 180 days.. Headline rates on crypto cards are usually gated by a staked or locked balance, and each review sets out the tiers.

Where can I get both Coinbase Card and Wirex Card?

Both are issued in 28 countries, including Austria, Belgium, Bulgaria, Cyprus, Czech Republic, on each issuer's own eligibility page. Coinbase Card is issued in 32 countries we track and Wirex Card in 35.

The full reviews: Coinbase Card and Wirex Card, each with its sources, and every crypto card we review.

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