WirexWirex One
77
Side-by-side card comparison
Wirex One vs Coinbase One
Wirex One Card has the higher Overall Score by 21 points (77 vs 56). Wirex One Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Coinbase One Card may still be the better personal fit.
Latest check Oct 11, 202659 official sources reviewed
Wirex One Card
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.
- Combining stablecoin transfers, bank payouts and Visa spending in one app.
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.
- The wallet is self-custodial, but card access still depends on regional partners.
Coinbase One Card
Best fit
- Existing Coinbase One members who already pay for an eligible plan.
- Everyday credit-card spending with 2% back in BTC on eligible purchases.
- Booking through Coinbase One Card Travel for 5% back in BTC.
Before you choose
- Eligible membership starts at $49.99/year; Basic monthly does not qualify.
- 4% needs $200,000 on Coinbase; boosted rates cover $10,000/month of spend.
- U.S. residents only, excluding territories; credit approval is required.
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Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsWirex One CardOverall77Coinbase One CardOverall56
Wirex One CardOverall77Coinbase One CardOverall56Scores
- Overall Score
- Wirex One Card77Coinbase One Card56
- Cashback score
- Wirex One Card70Coinbase One Card40
- Travel score
- Wirex One Card85Coinbase One Card60
- Funds control score
- Wirex One Card73Coinbase One Card36
- Lowest fees score
- Wirex One Card68Coinbase One Card40
- Transfers score
- Wirex One Card94Coinbase One Card24
Costs
- Plan cost
- Wirex One Card$0Coinbase One Card$49.99/year
- FX fee
- Wirex One Card0%Coinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Wirex One CardNot disclosedCoinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Wirex One CardNot disclosedCoinbase One CardNot disclosed
- ATM fee
- Wirex One Card2%Coinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Wirex One CardIncluded on every membership tierCoinbase One CardNot disclosed
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivateCoinbase One CardNot disclosed
Plans
- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1Coinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Wirex One CardBespoke: 8%Coinbase One CardAOC tier 4: 4%: 4%
Everyday use
- Network
- Wirex One CardVisaCoinbase One CardAmerican Express
- Card formats
- Wirex One CardVirtual, PhysicalCoinbase One CardVirtual, Physical
- ATM withdrawals
- Wirex One CardAvailableCoinbase One CardNot disclosed
- Mobile wallets
- Wirex One CardApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- Wirex One CardiOS, AndroidCoinbase One CardiOS, Android, Web
- Daily spending limit
- Wirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in appCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
- Networks
- Wirex One CardNot disclosedCoinbase One CardNot disclosed
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCCoinbase One CardNot disclosed
- Fiat deposits
- Wirex One CardBank funding, External card top-upCoinbase One CardNot disclosed
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsCoinbase One CardNot disclosed
- Payout currencies
- Wirex One CardUSD, EUR, GBPCoinbase One CardNot disclosed
Rewards
- Base cashback
- Wirex One Card0.5%Coinbase One Card2%
- Max cashback
- Wirex One Card8%Coinbase One Card4%
- Reward currency
- Wirex One CardUSD cashbackCoinbase One CardBitcoin
Earn
- Advertised APY
- Wirex One CardNot offeredCoinbase One CardNot disclosed
- How it works
- Wirex One CardNot offeredCoinbase One CardBorrow against collateral
- Separate deposit
- Wirex One CardNot offeredCoinbase One CardNo
- Use balance for spending
- Wirex One CardNot offeredCoinbase One CardNo
- Lock-up
- Wirex One CardNot offeredCoinbase One CardYes
Trust & availability
- Custody
- Wirex One CardNon-custodialCoinbase One CardCustodial
- Control until payment
- Wirex One CardNot disclosedCoinbase One CardProvider controls funds
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedCoinbase One CardFirst Electronic Bank
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.Coinbase One CardCoinbase, Inc.
- Programme operator
- Wirex One CardUAB WirexCoinbase One CardNot disclosed
Sources
- Official sources
- Wirex One Card36Coinbase One Card23
- Last reviewed
- Wirex One CardAug 12, 2026Coinbase One CardOct 11, 2026
Choosing between these cards
When to choose Wirex One or Coinbase One
How you receive rewards
Choose by the reward asset you want to receive: Wirex One lists USD cashback; Coinbase One lists Bitcoin. For Wirex One: Base cashback redemption is capped at $25/month; higher tiers raise the limit.
Keeping recurring costs down
Wirex One's base plan is $0, compared with $49.99/year for Coinbase One. This favours Wirex One for occasional use; card issuance and transaction fees are separate.
Common questions
Wirex One vs Coinbase One FAQ
Is Wirex One or Coinbase One better overall?
Wirex One Card has the higher Overall Score (77 vs 56). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Wirex One or Coinbase One?
Wirex One Card has the lower starting plan cost ($0 vs $49.99/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Wirex One or Coinbase One?
Coinbase One Card has the higher published base cashback rate (2% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Wirex One and Coinbase One differ on custody?
Wirex One Card uses a non-custodial account setup, while Coinbase One Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Wirex One vs Coinbase One comparison?
The latest information check for these two cards was October 11, 2026, using 59 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.