Wirex Card [USA]
- Crypto conversion at time of purchase, no need to preload
- 0% Foreign Exchange Fees
- No Apple Pay, but can be added via Curve app
- Poor Customer Service
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | $ USD |
| Apple Pay | Not Enabled |
| Monthly Fee | 0.00 USD |
| Monthly Inactivity Fee | 5.00 USD |
| Crypto to USD Crypto->USD Conversion Cost | ~2% |
| Highest Cashback | up to 8% |
| Entry-Level Cashback | 1% |
| Entry-Level Cashback Monthly Cap | 10,000 WXT (~60 USD¹) |
| Daily Spending Limit | 2,500 USD |
| Daily ATM Withdrawal Limit | 500 USD |
| Foreign Exchange Fee | 0% |
| Crypto to Fiat Conversion | Auto on Every Purchase |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | United States |
| Supported Cryptocurrencies | 1INCHAAVEACAACHACMADAAEVOAGIXAIALGOAMPAPEAPTARBASR |
![Wirex Card [USA]: Earn Up to 8% on Your Spending](https://cryptonoshi.com/wp-content/uploads/WirexCardUSA_CoreImg_1-sm.png)
Wirex Card [USA]: Earn Up to 8% on Your Spending
Wirex Card Benefits and Rewards – for USA
Wirex offers up to 8% cryptoback (cashback paid in crypto). To get a higher % cryptoback, you will need to either pay the monthly fee of up to 29.99$, or lock up some WXT (Wirex Token). See the table below for details.
| Monthly Cost | WXT Lockup Required | Cryptoback | WXT Savings Bonus | |
| Standard – Entry | $0.00 | 0 WXT | 0.5% | 0% |
| Standard – Enchanced | $0.00 | 150,000 WXT
(~900 USD¹) |
1% | 1% |
| Premium – Entry | $9.99 | 0 WXT | 1% | 0% |
| Premium – Enhanced | $9.99 | 250,000 WXT
(~1,400 USD¹) |
2% | 3% |
| Premium – Ultimate | $9.99 | 750,000 WXT
(~4,200 USD¹) |
3% | 6% |
| Elite – Entry | $29.99 | 0 WXT | 4% | 0% |
| Elite – Enhanced | $29.99 | 1,500,000 WXT
(~8,400 USD¹) |
6% | 8% |
| Elite – Ultimate | $29.99 | 7,500,000 WXT
(~41,900 USD¹) |
8% | 16% |
Cashback is paid in WXT and capped at 10,000 WXT (~100 USD¹) a month for Standard users, 50,000 WXT (~300 USD¹) a month for Premium users, and 150,000 WXT (~900 USD¹) for Elite users.
WXT Savings Bonus allows you to earn annual rewards of up to 16%, based on your WXT balance (Wirex Tokens). This means you could earn $4,000 USD a year on your $25,000 USD equivalent WXT balance.
Reality Check While Wirex Card promotes up to 8% cashback, if you're an entry-level user with 1,000 USD in assets, you'll qualify for 1% cashback, capped at 60 USD per month.
Are other cards more generous at base tier? Yes.
| Wirex Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 60 USD | 400 USD |
Wirex Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- US
USA-based Bank Account- in your name
Wirex Card is a debit card, connected to your chosen asset account on Wirex platform. Alongside, Wirex offers you a personal bank account. You'll receive a USA-based bank account number, issued in your name, which is a nice additional option to have.
Not so Great:Third party senders cannot deposit funds into your Wirex bank account - you can only receive deposits from accounts in your name. This means you will not be able to receive your fiat withdrawals from exchanges or receive salary payments.
It Comes in Both Physical and Virtual Forms
You can get Wirex Card in both physical and virtual versions, a feature only available with 30% of crypto cards. They'll mail you the physical card, and you can instantly get the virtual card online after completing KYC Identity Verification.
Wondering about the perks of each card type? Here are some highlights:
Physical Card | Virtual Card |
|---|---|
| ATM Withdrawals | Second Card Number |
| Required for Car Rentals, Hotels | Instant Availability |
| Useful When Phone Dies, or no Wifi | Freeze for Safety |
| Backup Payment Method | Set Lower Spend Limits |
You will find the physical Wirex Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.
Crypto-to-USD Conversion Cost with Wirex Card
Wirex Card Converts Your Crypto on Demand
Wirex Card offers instant conversion to USD at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.
| Crypto to Fiat Conversion Fee | 1.5% |
| Sell Spread | ~0.5% |
| Transaction Fee | 0% |
| Total Crypto to USD Cost | ~2% |
Reality Check:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Wirex Card will cost you about the same (~2%).
From all crypto cards we reviewed for North America, Crypto.com Card, Shakepay Card and Netcoins Card offer the cheapest crypto-to-fiat conversions (~0.75%, ~0.75% and ~1.1% respectively), while converting crypto with Coinbase Card will cost you the most, ~4%.
How Does Wirex Card Compare to Other Crypto Cards?
Wirex Card ranks #56 out of 61 amongst all the crypto cards we have reviewed so far. This means it's one of the bottom 20%. But don't rush to judge, our rating is based on company strength, fee structure and customer service - if this card supports your country while others don't, or you use their other services, this card may still be a good choice for you.
We compared Wirex Card with 10 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.
Strongest Features Against Competitors
Here are the strongest features of Wirex Card against its 10 competitors:
- Offers impressive maximum cashback of up to 8% (other cards have an average of 3%).
- Has a Foreign Exchange Fee of 0% (other cards have 1.5% average).
- Supports 159 cryptocurrencies (while other cards support an average of 30).
- Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 70% of competing crypto cards require you to preload card in advance).
- You can get both a physical card and a second virtual card (while 70% of competing crypto cards offer only one type - either physical or just virtual).
- Available for residents of United States.
Weakest Features Against Competitors
Compared to its 10 competitors, here are the shortcomings of Wirex Card:
- Apple Pay isn't enabled (while 90% of competing crypto cards have it).
- Limits entry-level cashback to 60 USD per month (while other cards have 400 USD average monthly cap for the base tier).
- Daily spend is capped at 2,500 USD (while other cards offer 11,500 USD daily spend limit on average).
- Limits ATM widthdrawals to 500 USD per day (average amongst other cards is 1,000 USD).
- Their customer service is poor with a 1.8/10 score (competitors score 7.6/10 on average).
Wirex Card [USA] vs. Crypto.com Card vs. Coinbase Card
Wirex Card
|
Crypto.com Card
|
Coinbase Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 USD | 0.00 USD | 0.00 USD |
| Crypto to Fiat Cost | ~2% | ~0.75% | ~4% |
| Highest Cashback | up to 8% | up to 5% | 1% |
| Entry-Level Cashback | 1% | 1% | 1% |
| Daily Spending Limit | 2,500 USD | 10,000 USD | 2,500 USD |
| Daily ATM Limit | 500 USD | 500 USD | 1,000 USD |
| Foreign Exchange Fee | 0% | 3% | 2.49% |
| Asset Management | Custodial | Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 159 | 23 | 235 |
| Apple Pay | Not Enabled | Enabled | Enabled |
| Customer Service | Bad | Bad | Great |
| Brand Authority | Growing | Well-Known | Well-Known |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Crypto.com Card offers the highest daily spending limit of 10,000 USD. You will get lower daily limits with Wirex Card and Coinbase Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Wirex Card offers the best cashback rewards of up to 8%. The cashback rewards for Crypto.com Card and Coinbase Card are not as high.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
Wirex Card ATM Fees: The Real Cost of Cashing Out
Local ATM Withdrawals in USD
Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Wirex Card:
Starting with an initial amount of 200 USD in ETH, the ATM withdrawal with Wirex Card will cost you a total of ~10.92 USD (5.5% of 200 USD), resulting in a final cash withdrawal of 189.08 USD in hand.
Doesn't Wirex Card Offer Free ATM Withdrawals?
Yes, Wirex offers free ATM withdrawals for up to 200 USD per month, in line with the average limit of 200 USD offered by other cards.
When they say 'free', they are only referring to their ATM Withdrawal Fee, which will be waived for the first 200 USD withdrawn per month. In our example, if you withdraw 200 USD, this waiver saves you 3.92 USD, reducing your local ATM withdrawal cost to around 7 USD, compared to the standard cost of approximately 10.92 USD.
International non-USD ATM Withdrawals
Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Wirex Card, here's what it will look like:
For an international withdrawal using your Wirex Card with an initial 200 USD in ETH, you'll incur fees totaling ~16.8 USD (8.4% of 200 USD), leaving you with 183.2 USD in the equivalent foreign currency.
Reality CheckOverall, Wirex Card is more expensive than other cards for local ATM withdrawals and slightly cheaper for international ATM withdrawals:
| Cost with Wirex Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~11 USD (5.5% of 200 USD) | ~9 USD (4.5% of 200 USD) |
| International ATM Withdrawals | ~16.8 USD (8.4% of 200 USD) | ~18.4 USD (9.2% of 200 USD) |
From all crypto cards that we reviewed, Netcoins Card, Crypto.com Card and Wealthsimple Card offer the cheapest local ATM withdrawals (2.6%, 4.2% and 4.5% of 200 USD respectively), while Gemini Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 8.2% of 200 USD.
We Tested Wirex's Customer Support
We asked Wirex's customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
Wirex offers support via the following channels:
| support@wirexapp.com | |
| Web Form | https://wirexapp.com/help/request/create |
| Discord | https://discord.gg/f8UGp4dH6g |
Location: Wirex customer service reps are located in 
Ukraine and 
United Kingdom.¹
| Support Channel | Our Interaction | Score |
Email (didn't reply) | When emailed, auto-reply indicated to use web form for faster reply. Then they never replied to the ticket submitted via web form. | No Response 0/10 |
Discord (replied in 48 min) | Posted in support channel on Discord. They quickly replied with a link to the document that explains the dispute process in detail. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
Web Form (didn't reply) | Never replied. Waited for 10 days. | No Response 0/10 |
Web Form (didn't reply) | Never replied. Waited for 13 days. | No Response 0/10 |
Web Form (didn't reply) | Never replied. Waited for 10 days. | No Response 0/10 |
To summarize,
Competence and Problem-Solving: Wirex's customer service could potentially be competent, but we were unable to evaluate it.
Customer Love: Wirex demonstrates a disappointing disregard for customer care, primarily through their consistent failure to respond.
Reply Speed: The majority of customer inquiries go unanswered, which is absolutely unacceptable.
Overall Customer Service Rating: 1.8/10
With this score, Wirex's Customer Service is extremely poor, compared to other crypto cards, which score an average of 7.6/10.
Wirex Referral Code - to Get 10 USD Bonus
You can use referral code cryptonoshi to get 10 USD bonus when you create an account on Wirex platform.
Here's how you can enter the referral code:
..or, just click here.
Your bonus will be paid out to you right after you deposit your first $100 into your Wirex account.
p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗
Is Wirex Card Available for Residents of United States?
Yes, this version of Wirex Card was specifically designed for the residents of United States.
Wirex Card [USA] supports: United States. Wirex Card [EU] supports the following countries: Australia, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, New Zealand, Norway, Philippines, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, Sweden, Taiwan, United Kingdom.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 12 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Good Info. What's My Next Step?
Paulina Masson
Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.
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