Provider comparison
BitPay Card vs Wirex Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
The BitPay Card lets you spend supported cryptocurrencies at any merchant that accepts Visa, converting crypt…
Wirex Card is a custodial crypto card that lets you spend digital currencies at millions of merchants. This r…
Effective rewards
BitPay Card
Wirex Card
Reward asset
BitPay Card
Wirex Card
Staking tier
BitPay Card
Wirex Card
Custody
BitPay Card
Wirex Card
Annual fee
BitPay Card
Wirex Card
FX fee
BitPay Card
Wirex Card
ATM fee
BitPay Card
Wirex Card
Conversion spread
BitPay Card
Wirex Card
Network
BitPay Card
Wirex Card
Apple / Google Pay
BitPay Card
Wirex Card
Region availability
BitPay Card
Wirex Card
| Feature | BitPay Card | Wirex Card |
|---|---|---|
| Effective rewards | No base reward on everyday spend | 0.5% base; 8% only on Elite (EUR29.99/mo) with ~7.5M WXT locked and monthly WXT caps |
| Reward asset | None (occasional promos) | WXT |
| Staking tier | WXT lock scaled by plan (Standard/Premium/Elite); monthly reward caps 20k-250k WXT | |
| Custody | Custodial | Custodial |
| Annual fee | $0 stated | Free/Premium/Elite plans (EUR0 / ~EUR9.99 / ~EUR29.99 monthly) |
| FX fee | ~3% foreign transaction fee (poor for travel) | Tiered by plan (free allowance then fee) |
| ATM fee | Applies | Free to monthly allowance, then fee |
| Conversion spread | BitPay conversion rate on load | In-app exchange rate/spread |
| Network | Mastercard | Visa/Mastercard (region-dependent) |
| Apple / Google Pay | Yes | Yes |
| Region availability | United States only; new applications paused (waitlist) | EEA, UK, APAC; US availability limited/changed |
BitPay Card
The BitPay Card lets you spend supported cryptocurrencies at any merchant that accepts Visa, converting crypto to fiat at the point of sale. It is a custodial prepaid card issued by BitPay, designed for users who want to use their digital assets for everyday purchases.
Wirex Card
Wirex Card is a custodial crypto card that lets you spend digital currencies at millions of merchants. This review covers how it works, who it suits, and what to check before signing up.
Risk warning: Cryptocurrency is a volatile, high-risk asset class. Prices can fall as well as rise, and you could lose some or all of the money you put in. Custodial providers carry counterparty risk; self-custody puts key security entirely on you. This page is general information, not financial advice.
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