Wirex Card
Issued by Wirex on the network
- KYC required
- 8% cashback
- Custodial
- Virtual
- Physical
Wirex's relaunched card program, Wirex One, pays up to 8% cashback valued in USD rather than a volatile token, plus 50% rebates on subscriptions like ChatGPT Plus and Uber One, with tiers set by native-token holdings rather than a subscription fee.
Verdict
Wirex relaunched its card program in 2026 as Wirex One, and the headline change is that cashback — up to 8% — is now valued in USD rather than paid in a token that can lose value before you spend it. Five membership tiers are set by how much WPAY (Wirex's native token) you hold relative to your total balance, with no subscription fee and no lockup period required, unlike Crypto.com's CRO-lockup model. A 50% rebate on subscriptions including ChatGPT Plus and Uber One, plus zero-fee FX and ATM withdrawals worldwide, round out one of the broader feature sets among exchange cards.
- Best for: Spenders who want cashback that holds its USD value rather than fluctuating with a reward token
- Less suited to: Anyone who wants top-tier perks without holding any of the issuer's native token
At a glance
- Up to 8% cashback, valued and paid in USD rather than a volatile reward token
- Five Wirex One membership tiers, set by WPAY token holdings — no subscription fee or lockup
- 50% rebate on subscriptions including ChatGPT Plus, Uber One and Bloomberg
- Zero FX fees and fee-free ATM withdrawals worldwide
- Available in 130+ countries, among the widest coverage of any card tracked here
Who can get it
Full identity verification is required. Wirex operates in 130+ countries as a principal Visa member, one of the broadest footprints of any card on this site — confirm your specific country in the app before applying, since exact terms and cashback rates can vary by region.
How it works
- Download the Wirex app and complete identity verification.
- Fund your account; every user starts on Wirex One's Base tier with no WPAY required.
- Hold WPAY relative to your total balance to climb tiers, or spend as-is at Base — either way, cashback pays out in USD automatically.
Strengths and trade-offs
Strengths
- Cashback valued and paid in USD, not a token that can lose value before you cash it out
- No subscription fee or lockup period to unlock any tier, unlike Crypto.com's CRO-lockup model
- 50% subscription rebate covers a distinct set of services (Uber One, Bloomberg) other cards don't touch
- Zero FX fees worldwide is a genuinely rare feature among crypto cards
- 130+ country availability, among the broadest on this site
Trade-offs
- Base tier still needs some WPAY held to reach the higher-cashback tiers
- Wirex One is a recent relaunch (2026) that replaced an older token-based tier system, so further changes are possible
- Custodial — Wirex holds the balance and assets backing the card
- The 8% headline rate applies at the top tier only; confirm the Base-tier rate in the app before assuming you'll earn it
- No fixed monthly cashback cap could be confirmed independently of Wirex's own marketing pages
| Issuer | Wirex |
|---|---|
| Card network | |
| Card type | Virtual, Physical |
| KYC requirement | Full identity verification required |
| Cashback | Up to 8% cashback, valued and paid in USD (Wirex One tiers) |
| Annual fee | Free (no subscription fee under Wirex One) |
| Custody model | Custodial |
| Supported assets | BTC, ETH, USDT, and 40+ other crypto and fiat currencies |
Every figure above was checked against Wirex's own card page on 2026-08-15. Terms, fees and rewards change frequently — confirm current details directly with the issuer before applying. We publish no star ratings of our own and take no payment for placement. This is not financial advice.
Common questions about the Wirex Card
What is Wirex One?
Wirex One is Wirex's card and membership program, relaunched in 2026. It replaced the older WXT-token-based tier system with one built around WPAY, Wirex's native token, and pays cashback valued in USD rather than in a token.
Do I need to hold WPAY to use the card?
No. Every user starts on the Base tier with no WPAY required and can still spend and earn cashback. Holding WPAY relative to your total balance unlocks higher tiers with better rates — there's no subscription fee or lockup period either way.
Is Wirex's cashback paid in crypto or USD?
USD. Wirex One pays cashback valued in USD rather than a token, specifically so it doesn't lose value if the market moves before you spend it — a change from the card's earlier WXT-based rewards.
What subscriptions does the Wirex Card rebate?
Wirex advertises a 50% rebate on qualifying subscriptions including Uber One, ChatGPT Plus and Bloomberg, credited back in USD at the end of each month — about half the rebate Bybit offers, but on a different set of services.
Which countries can get a Wirex Card?
Wirex operates in 130+ countries as a principal Visa member, one of the widest footprints of any card tracked on this site, though exact terms can vary by region — confirm your country in the app.