Wirex Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	Wirex Card 2.5/5 self_custodialboth	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	2.5/5	4.0/5
Fees
Monthly Fee	Standard: €0 (free); Premium: €9.99/month; Elite: €29.99/month	No annual fees for base tier
Issuance Fee	Free	See card_tiers - varies by tier and region
Rewards
Max Cashback	8%	8%
Features
Apple Pay	No	Yes
Google Pay	No	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	High rewards rate – up to 8% Cryptoback™ on purchases, significantly higher than competitors No annual fees and no explicit foreign exchange surcharges Multi-currency support – extensive support for 40+ cryptocurrencies and 12+ fiat currencies Integrated interest earning – X-Accounts offer up to 16% interest on holdings	Generous CRO cashback rates (up to 8% on everyday spending for Prime tier) Travel rewards program offering up to 15% back on travel spending No annual fees for base tier Subscription rebates for popular services (Spotify, Netflix, Truth+)
Cons	Subscription costs – best features locked behind paid subscription tiers High staking requirements – maximum rewards require substantial WXT token staking Verification issues – some users report difficulties with the identity verification process Geographic limitations – not available in all regions or US states (e.g., New York, Hawaii)	Substantial CRO token staking requirements for higher tiers (12-month lockup) Exposure to cryptocurrency volatility through staking model Rewards programs have been reduced over time Prepaid product requiring active top-up before spending