Crypto.com Visa Card vs Wirex Card
How does Crypto.com Visa 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
| Feature | Crypto.com Visa Card | Wirex Card |
|---|---|---|
| Our score | 7.3/10 | 7.7/10 |
| Type | Prepaid | Debit |
| Networks | Visa | Visa or Mastercard (varies by region) |
| Rewards | Up to 4.5% back in CRO on spending, tiered: Ruby Steel 1.5% (up to $750/mo), Royal Indigo 2.5% (up to $1,500/mo), Rose Gold 3.5% (up to $3,000/mo then 0.5%), Obsidian 4.5% (up to $5,000/mo then 1%); Midnight Blue 0% | Cryptoback rewards up to 8% |
| Annual fee | Midnight Blue free; Ruby $4.99/mo or $49.90/yr (or $500 CRO stake); Royal Indigo $29.99/mo or $299.90/yr (or $5,000 CRO stake); higher tiers require CRO stake | — |
| FX fee | 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) | — |
| ATM fee | 2% on amounts above the monthly free ATM limit; free limit $200-$1,000/mo depending on tier | — |
| KYC | Full | — |
| Custody | Custodial | Custodial |
| Supported coins | Rewards paid in CRO | 200+ cryptocurrencies |
| Availability | — | 130+ countries (worldwide) |
| Apple / Google Pay | — | Yes |
When choosing between the Crypto.com Visa Card and the Wirex Card, your decision will largely depend on your priorities, such as the type of rewards you prefer, your spending habits, and where you live. Both cards offer unique benefits, but they cater to different needs and preferences.
Choose Crypto.com Visa Card if…
- You want a tiered cashback system with the potential to earn up to 4.5% back in CRO on your everyday spending.
- You are willing to stake CRO tokens to unlock higher rewards tiers and additional benefits, such as no foreign transaction fees on the Rose Gold, Icy White, and Obsidian tiers.
- You are looking for a card with a clear fee structure, including details on foreign transaction fees and ATM withdrawal fees.
- You prefer a card with a free base tier (Midnight Blue) that allows you to test the service without any initial financial commitment.
- You are comfortable with a custodial wallet and do not mind receiving rewards in CRO tokens.
Choose Wirex Card if…
- You prioritize having access to a wide range of cryptocurrencies, as Wirex supports over 200 coins.
- You want the flexibility to use your card in over 130 countries worldwide, with the option to use either Visa or Mastercard, depending on your region.
- You are interested in using stablecoins for everyday transactions and want the ability to spend crypto directly from your wallet.
- You are attracted to the advertised up to 8% Cryptoback rewards, although the specific conditions and limitations are not detailed.
- You prefer using mobile payment options like Apple Pay and Google Pay for your transactions.
Bottom line
The Crypto.com Visa Card is a strong choice for those who are willing to engage with the CRO ecosystem and benefit from tiered rewards and potentially lower fees for higher staking tiers. It offers a clear structure and the flexibility of a free base tier. On the other hand, the Wirex Card is ideal for users who need broader cryptocurrency support and global accessibility, with the added convenience of mobile payment options. However, the lack of detailed fee information for Wirex means potential users should inquire further before making a decision. Ultimately, your choice should align with your spending habits, preferred features, and willingness to engage with each platform’s unique offerings. For more detailed comparisons, visit our rating methodology.