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Oobit Card vs Wirex Card

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-10-29
Oobit Card3.1

Oobit Card is a Visa card that spends stablecoins and crypto from an Oobit account or, through DePay, a self-custody wallet, with a 1% fee on every card payment and base points worth 0.1% to 0.5%.

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: Oobit Card

Oobit Card rates higher on our rubric: 3.1 against 3.0 for Wirex Card.

Criterion
Editorial rating
Oobit Card
3.1
Wirex Card
3.0

Oobit 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.

Oobit Card and Wirex Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactOobit CardWirex Card
Editorial rating3.1 (favoured on this row)3.0
IssuerOobit Technologies UAB; outside the United States the card is issued by Third National under license from VisaWirex Limited (UK, FCA-regulated EMI) / Wirex UAB (Lithuania, EEA passporting)
CashbackBase points are worth 0.1% to 0.5% of Tap to Pay spend depending on your level, plus capped offers of 5% in stablecoins (up to $200 of spend) and 10% in OOB (up to $5,000 of spend), all spendable only inside the app.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 tier5 points per $1, worth 0.5% (Level 5)8% Cryptoback (Elite Ultimate)
Reward tiers58
FeesNo fee to get the card and no monthly fee; 1% per card payment with a $0.25 minimum; the card is denominated in USD, with up to 1.5% more on other currencies; 2.5% on ATM withdrawals.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 in7235
Countries both are issued in3333
Last reviewed2026-10-292026-08-24

Pros and cons, side by side

Oobit Card

What works

  • No fee to get the card and no monthly fee, so the cost is per payment only
  • DePay pays from a self-custody wallet such as MetaMask, Trust Wallet or Phantom without moving funds into Oobit first
  • Listed in 72 countries that have a guide on this site, including most of the European Economic Area, the United Kingdom, the United States, Brazil, Mexico and South Korea
  • Works with Apple Pay and Google Wallet, so you can tap to pay wherever Visa is accepted

What to watch

  • A 1% fee applies to every card payment, with a $0.25 minimum, which is more than the 0.1% to 0.5% the base points pay back
  • Payments in currencies other than USD can add up to 1.5% on top, and ATM withdrawals cost 2.5%
  • Rewards can only be spent on Tap to Pay payments in the app and cannot be withdrawn, and Oobit can change offers on 30 days' notice
  • The 5% stablecoin reward is capped at $200 of spend and the 10% OOB reward at $5,000 of spend
  • The self-custody route needs a spending approval that lets Oobit draw up to your limit, and the card terms let Oobit and the issuer change spending limits, including to $0, with or without notice

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 Oobit Card or Wirex Card better?

Oobit Card rates higher on our rubric: 3.1 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, Oobit Card or Wirex Card?

Oobit Card: Base points are worth 0.1% to 0.5% of Tap to Pay spend depending on your level, plus capped offers of 5% in stablecoins (up to $200 of spend) and 10% in OOB (up to $5,000 of spend), all spendable only inside the app. 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 Oobit Card and Wirex Card?

Both are issued in 33 countries, including Argentina, Australia, Austria, Belgium, Brazil, on each issuer's own eligibility page. Oobit Card is issued in 72 countries we track and Wirex Card in 35.

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

More comparisons

Every other head-to-head Oobit Card or Wirex Card appears in.

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