KuCoin Card (KuCard) vs Wirex Card

Comparing: two crypto cards
Decided by: Editorial rating
Last reviewed: 2026-08-25

KuCoin Card is a New Zealand only debit card paying 1% to 3% base cashback in USDC or KCS by VIP tier, with a KCS Loyalty bonus pushing the maximum toward 8.5%.

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: Wirex Card

Wirex Card rates higher on our rubric: 3.0 against 2.7 for KuCoin Card (KuCard).

Criterion: Editorial rating
KuCoin Card (KuCard): 2.7
Wirex Card: 3.0

KuCoin Card (KuCard) 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.

KuCoin Card (KuCard) and Wirex Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
Fact	KuCoin Card (KuCard)	Wirex Card
Editorial rating	2.7	3.0 (favoured on this row)
Issuer	KuCoin	Wirex Limited (UK, FCA-regulated EMI) / Wirex UAB (Lithuania, EEA passporting)
Cashback	New Zealand program: 1% to 3% base cashback (USDC or KCS) by VIP tier, plus up to a further 5.5% KCS Loyalty Level bonus, capped at 250 USDC redeemed per month. A separately reported EEA program's cashback terms are not confirmed on an official KuCoin page.	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 tier	3% cashback (VIP 11-12)	8% Cryptoback (Elite Ultimate)
Reward tiers	7	8
Fees	New Zealand program's fee structure is not detailed in the reviewed KuCoin support article beyond cashback caps; a separately reported EEA program cites roughly a 10 EUR annual fee (waived above 500 EUR/year spend), a 9.99 EUR physical card fee, and a 2% international FX fee, none of which are confirmed on an official KuCoin page.	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 in	1	35
Countries both are issued in	1	1
Last reviewed	2026-08-25	2026-08-24

Pros and cons, side by side

KuCoin Card (KuCard)

What works

Cashback can reach as high as 8.5% for large KCS holders combining VIP status and Loyalty Level bonuses
No staking lockup is described for the New Zealand program's base VIP-tier cashback, unlike some competitors' 12-month lockups
Multiple tiers are reachable purely through exchange trading volume (VIP status) rather than requiring a card-specific deposit
Cashback is paid in USDC or KCS, so the payout can be a dollar stablecoin rather than the exchange's own token

What to watch

KuCoin operates what appear to be two distinct, non-overlapping card programs under the same brand name, creating real risk of publishing the wrong country's terms as universal
Even at the highest combined cashback percentage, redemption is capped at 250 USDC per month, limiting the real-dollar value for high spenders
The separately reported EEA program's fees are not corroborated on any page KuCoin itself hosts, and should be treated as unverified
Entry-tier cashback for typical users without meaningful KCS holdings or trading volume is as low as 1%, capped at just 10 USDC per month

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 KuCoin Card (KuCard) or Wirex Card better?

Wirex Card rates higher on our rubric: 3.0 against 2.7 for KuCoin Card (KuCard). 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, KuCoin Card (KuCard) or Wirex Card?

KuCoin Card (KuCard): New Zealand program: 1% to 3% base cashback (USDC or KCS) by VIP tier, plus up to a further 5.5% KCS Loyalty Level bonus, capped at 250 USDC redeemed per month. A separately reported EEA program's cashback terms are not confirmed on an official KuCoin page.. 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 KuCoin Card (KuCard) and Wirex Card?

Both are issued in New Zealand, on each issuer's own eligibility page. KuCoin Card (KuCard) is issued in 1 countries we track and Wirex Card in 35.

The full reviews: KuCoin Card (KuCard) and Wirex Card, each with its sources, and every crypto card we review.

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