Tap Card vs Wirex Card
How does Tap Card compare to Wirex Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Wirex Card · provisional, see how we rate
Quick answer. Tap Card and Wirex Card are both crypto cards — here's how they differ. Key differences: network (Tap Card: Mastercard vs Wirex Card: Visa or Mastercard (varies by region)). Our provisional scoring rates Wirex Card higher (7.7/10 vs 6.7/10), but the best pick depends on your country and how you spend.
| Feature | Tap Card | Wirex Card |
|---|---|---|
| Our score | 6.7/10 | 7.7/10 |
| Type | Debit | Debit |
| Networks | Mastercard | Visa or Mastercard (varies by region) |
| Rewards | Tiered cashback paid in XTP token, based on XTP held: Essential 0.5%, Plus 1.5%, Prime 3%, Premier 4%, Platinum 6%, Prestige 8% | Cryptoback rewards up to 8% |
| Annual fee | — | — |
| FX fee | — | — |
| ATM fee | Free ATM withdrawals up to €500 (Essential), up to €1,000 (higher tiers), unlimited (Prestige) before charges | — |
| KYC | — | — |
| Custody | — | Custodial |
| Supported coins | — | 200+ cryptocurrencies |
| Availability | — | 130+ countries (worldwide) |
| Apple / Google Pay | — | Yes |
When choosing between the Tap Card and the Wirex Card, your decision will largely depend on your priorities, such as the type of rewards you prefer, the flexibility you need, and how you plan to use the card. Both cards offer unique features that cater to different user needs. Below, we break down which card might be the best fit for you based on key factors.
Choose Tap Card if…
- You want tiered cashback rewards: The Tap Card offers a tiered cashback system paid in XTP tokens, with rates ranging from 0.5% to 8% based on your XTP holdings. This structure can be highly rewarding if you hold significant amounts of XTP and are looking for cashback incentives.
- You prefer free card deposits: The Tap Card allows for free card deposits, which can be a significant advantage if you frequently top up your card.
- You value free ATM withdrawals: The Tap Card offers free ATM withdrawals up to certain limits, depending on your tier. For example, the Prestige tier offers unlimited free withdrawals, which is ideal for frequent travelers or those who rely on ATMs.
- You are interested in staking XTP tokens: The card’s rewards and benefits are tied to your XTP holdings, which means staking can enhance your card’s perks.
Choose Wirex Card if…
- You want a wide range of cryptocurrency options: The Wirex Card supports over 200 cryptocurrencies, making it a great choice if you hold a diverse crypto portfolio and want to manage multiple assets.
- You need global accessibility: The Wirex Card is available in over 130 countries, providing extensive global coverage. This makes it a suitable option for frequent travelers or those who need to make international transactions.
- You prefer a custodial wallet: Wirex offers a custodial wallet, which can be more convenient for users who prefer not to manage their private keys.
- You want wallet pay functionality: The Wirex Card includes wallet pay features, allowing you to make seamless transactions directly from your crypto wallet.
- You are interested in cryptoback rewards: Wirex offers cryptoback rewards up to 8%, which can be a lucrative option if you frequently use your card for purchases.
Bottom line
Ultimately, the choice between the Tap Card and the Wirex Card depends on your specific needs and preferences. If you are looking for a card with tiered cashback rewards and free ATM withdrawals, and you are comfortable with staking XTP tokens, the Tap Card might be the better option. On the other hand, if you prioritize a wide range of cryptocurrency support, global accessibility, and cryptoback rewards, the Wirex Card could be more suitable. For more detailed comparisons, you can check out our rating system.