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ether.fi Cash vs Wirex Card

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-08-25
ether.fi Cash3.5

ether.fi Cash is a self-custodial Visa credit card that pays 3% cashback on the first $2,000 to $50,000 of monthly spend depending on membership tier, stepping down to 1% and 0.5% above that band.

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: ether.fi Cash

ether.fi Cash rates higher on our rubric: 3.5 against 3.0 for Wirex Card.

Criterion
Editorial rating
ether.fi Cash
3.5
Wirex Card
3.0

ether.fi Cash 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.

ether.fi Cash and Wirex Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
Factether.fi CashWirex Card
Editorial rating3.5 (favoured on this row)3.0
Issuerether.fiWirex Limited (UK, FCA-regulated EMI) / Wirex UAB (Lithuania, EEA passporting)
Cashback3% cashback on the first $2,000 (Core), $10,000 (Luxe), or $50,000 (Pinnacle) of monthly spend, stepping down to 1% then 0.5% beyond that band; invitation-only VIP pays 4% on its first $50,000.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 tier1% flat, no banding (Business)8% Cryptoback (Elite Ultimate)
Reward tiers58
FeesNo annual fee at any tier; FX runs roughly 1% base rate plus a tier margin of 0-0.5% (Core) down to 0% (Pinnacle/VIP); ATM withdrawals cost 2% per transaction, capped at $500 with 3 attempts per 24 hours.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 in8235
Countries both are issued in3131
Last reviewed2026-08-252026-08-24

Pros and cons, side by side

ether.fi Cash

What works

  • Fully non-custodial, spending against a self-held crypto vault rather than a custodial balance
  • No annual fee at any of the four membership tiers
  • Higher tiers reduce or eliminate the FX margin entirely, down to 0% at Pinnacle and VIP
  • 3% cashback band scales up to $50,000 of monthly spend at the Pinnacle tier

What to watch

  • Cashback is banded, not flat: heavy spenders on lower tiers fall to just 0.5% once they exceed their tier's spend cap
  • ATM access is tightly capped at $500 per withdrawal and 3 attempts per 24 hours, limiting practical cash access to about $1,500/day
  • Physical card issuance costs $50-$100 depending on tier, unlike most competitors' free physical cards
  • Sources disagree on the exact reward asset (SCR/SCRL, wETH, or USDC across different documentation), so the payout token should be confirmed in-app before relying on it

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 ether.fi Cash or Wirex Card better?

ether.fi Cash rates higher on our rubric: 3.5 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, ether.fi Cash or Wirex Card?

ether.fi Cash: 3% cashback on the first $2,000 (Core), $10,000 (Luxe), or $50,000 (Pinnacle) of monthly spend, stepping down to 1% then 0.5% beyond that band; invitation-only VIP pays 4% on its first $50,000.. 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 ether.fi Cash and Wirex Card?

Both are issued in 31 countries, including Argentina, Australia, Austria, Belgium, Brazil, on each issuer's own eligibility page. ether.fi Cash is issued in 82 countries we track and Wirex Card in 35.

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

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