Skip to content

Compare cards

Compare fees, rewards and how each card works. Add or replace cards anytime.

Your comparison2 of 4 cards selected
Compare two cards at a time. Add up to four with Change cards, then use the card menus to switch the pair.
Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
Black Wirex One Visa Platinum debit card
77Overall

Best fit

  • Foreign purchases with no Wirex FX markup; network conversion still applies.
  • Qualifying for reward tiers with liquid WPAY holdings instead of a lockup.

Before you choose

  • The 8% tier needs $50,000 in assets, with at least 10% held in WPAY.
  • Base cashback redemption is capped at $25/month; higher tiers raise the limit.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
MPChat Card: 52
Wirex One Card: 77
Cashback score
MPChat Card: 18
Wirex One Card: 70
Travel score
MPChat Card: 72
Wirex One Card: 85
Funds control score
MPChat Card: 41
Wirex One Card: 73
Lowest fees score
MPChat Card: 60
Wirex One Card: 68
Transfers score
MPChat Card: 58
Wirex One Card: 94
02

Costs

Plan cost
MPChat Card: $0
Wirex One Card: $0
FX fee
MPChat Card: 0%
Wirex One Card: 0%
Top-up fee
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Wirex One Card: Not disclosed
Card spending fee
MPChat Card: 0.8%
Wirex One Card: Not disclosed
ATM fee
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
Wirex One Card: 2%
Virtual card
MPChat Card: Cloud: 10 USDT one time
Wirex One Card: Included on every membership tier
Physical card
MPChat Card: $100
Wirex One Card: Plastic from Premium; Visa Signature Metal from Private
03

Plans & rewards

Entry plan
MPChat Card: Cloud Card
Wirex One Card: Base
Base cashback
MPChat Card: Not disclosed
Wirex One Card: 0.5%
Max cashback
MPChat Card: Not disclosed
Wirex One Card: 8%
Reward currency
MPChat Card: Not disclosed
Wirex One Card: USD
Cashback cap · entry plan
MPChat Card: Not disclosed
Wirex One Card: Not disclosed
Top cashback plan
MPChat Card: Not disclosed
Wirex One Card: Bespoke
Cashback on top plan
MPChat Card: Not disclosed
Wirex One Card: 8% in USD
Top plan price / access
MPChat Card: Not disclosed
Wirex One Card: ≥ $50,000 + ≥10% WPAY · requirement
Top plan qualification
MPChat Card: Not disclosed
Wirex One Card: At least $50,000 portfolio and at least 10% held in WPAY
Monthly redemption cap
MPChat Card: Not disclosed
Wirex One Card: $25–$2,000 / month
04

Everyday use

Network
MPChat Card: Visa
Wirex One Card: Visa
Card formats
MPChat Card: Virtual, Physical
Wirex One Card: Virtual, Physical
ATM withdrawals
MPChat Card: Available
Wirex One Card: Available
Mobile wallets
MPChat Card: Google Pay
Wirex One Card: Apple Pay, Google Pay
Apps
MPChat Card: Not disclosed
Wirex One Card: iOS, Android
Daily spending limit
MPChat Card: $250,000 / day
Wirex One Card: See regional limits
Monthly spending limit
MPChat Card: $1,000,000 / month
Wirex One Card: EEA card-spend limit: €30,000/month; other regions are shown in app
ATM limit
MPChat Card: $1,500 / day
Wirex One Card: See regional limits
05

Money in & out

Networks
MPChat Card: Tron (TRC20)
Wirex One Card: Not disclosed
Stablecoin deposits
MPChat Card: USDT
Wirex One Card: USDC, USDT, EURC
Other crypto deposits
MPChat Card: Not disclosed
Wirex One Card: Not disclosed
Fiat deposits
MPChat Card: Not disclosed
Wirex One Card: Bank funding, External card top-up
Crypto transfers
MPChat Card: External USDT withdrawal
Wirex One Card: Onchain stablecoin transfer
Internal transfers
MPChat Card: Not disclosed
Wirex One Card: Not disclosed
Bank transfers
MPChat Card: Not disclosed
Wirex One Card: Pay to an external card, Bank account payouts
Payout currencies
MPChat Card: Not disclosed
Wirex One Card: USD, EUR, GBP
06

Earn

Advertised APY
MPChat Card: Not offered
Wirex One Card: Not offered
How it works
MPChat Card: Not offered
Wirex One Card: Not offered
Separate deposit
MPChat Card: Not offered
Wirex One Card: Not offered
Use balance for spending
MPChat Card: Not offered
Wirex One Card: Not offered
Lock-up
MPChat Card: Not offered
Wirex One Card: Not offered
07

Trust & sources

Custody
MPChat Card: Custodial
Wirex One Card: Non-custodial
Control until payment
MPChat Card: Provider controls funds
Wirex One Card: Not disclosed
Card issuer
MPChat Card: Not disclosed
Wirex One Card: Transact Payments Malta Limited, Novatti Group Limited
Custody / key management
MPChat Card: Not disclosed
Wirex One Card: Privy Technologies, Inc.
Programme operator
MPChat Card: Not disclosed
Wirex One Card: UAB Wirex
Official sources
MPChat Card: 30
Wirex One Card: 36
Last reviewed
MPChat Card: Nov 12, 2026
Wirex One Card: Nov 12, 2026

Using the comparison

Compare cards FAQ

Can I compare more than two cards on my phone?

Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

More ways to find a card

Explore card rankings