WirexWirex One
77
Side-by-side card comparison
Wirex One vs Spritz: fees, rewards and account setup
Wirex One Card has the higher Overall Score by 15 points (77 vs 62). Wirex One Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Spritz Card may still be the better personal fit.
Information checked Aug 28, 202677 official sources reviewed
01 · Make the first cut
Wirex One Card is the better all-round starting point
Wirex One Card has the higher Overall Score in this comparison. Spritz Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallWirex One77Spritz62Higher score
CashbackWirex One70Spritz34Higher score
TravelWirex One85Spritz46Higher score
Funds controlWirex One73Spritz62Higher score
Lowest feesWirex One68Spritz44Higher score
TransfersWirex One94Spritz64Higher score
Choose Wirex One Card if cashback and travel matter most
Wirex One Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Five current card tiers
- 0.5% to 8% cashback in USD
- Self-custodial digital assets
Choose Spritz Card if its day-to-day setup suits you
Spritz Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Wirex One77Spritz62
Wirex One Card has the higher Overall Score by 15 points.
- Entry cost & FX
- Wirex One$0 plan · 0% FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Wirex One0.5% base · up to 8%Spritz0% base · up to 5%
Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Wirex OneNon-custodial accountSpritzHybrid custody
Wirex One Card uses a non-custodial account setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Wirex OneVirtual + Physical · Apple Pay, Google PaySpritzVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Wirex One3 stablecoins · Stablecoin transfers; Pay to an external card, Bank account payoutsSpritz0 stablecoins · Wallet-to-bank Off-Ramp
Wirex One Card lists more stablecoins and ways to send money out (6 vs 1).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0.5%-8%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 2 fiat
- Payout methods
- 3 crypto · 3 fiat
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 fiat
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03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsWirex One CardOverall77Spritz CardOverall62
Wirex One CardOverall77Spritz CardOverall62Scores
6 fields- Overall Score
- Wirex One Card77Spritz Card62
- Cashback score
- Wirex One Card70Spritz Card34
- Travel score
- Wirex One Card85Spritz Card46
- Funds control score
- Wirex One Card73Spritz Card62
- Lowest fees score
- Wirex One Card68Spritz Card44
- Transfers score
- Wirex One Card94Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Wirex One CardFive current card tiers, 0.5% to 8% cashback in USDSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specificSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Wirex One Card$0Spritz Card$0
- FX fee
- Wirex One Card0%Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Wirex One CardNot disclosedSpritz Card1–3%
- Card spending fee
- Wirex One CardNot disclosedSpritz Card0%
- ATM fee
- Wirex One Card2%Spritz CardNot disclosed
- Virtual card
- Wirex One CardIncluded on every membership tierSpritz CardNot disclosed
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivateSpritz CardNot disclosed
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1Spritz CardNot disclosed
- Top cashback plan
- Wirex One CardBespoke: 8%Spritz CardNot disclosed
Everyday use
8 fields- Network
- Wirex One CardVisaSpritz CardVisa
- Card formats
- Wirex One CardVirtual, PhysicalSpritz CardVirtual, Physical
- ATM withdrawals
- Wirex One CardAvailableSpritz CardNot disclosed
- Mobile wallets
- Wirex One CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Wirex One CardiOS, AndroidSpritz CardiOS
- Daily spending limit
- Wirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in appSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appSpritz CardNot disclosed
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Wirex One CardBank funding, External card top-upSpritz CardNot disclosed
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Wirex One CardUSD, EUR, GBPSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Wirex One Card0.5%Spritz Card0%
- Max cashback
- Wirex One Card8%Spritz Card5%
- Reward currency
- Wirex One CardUSD cashbackSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Wirex One CardNot offeredSpritz CardNot offered
- How it works
- Wirex One CardNot offeredSpritz CardNot offered
- Separate deposit
- Wirex One CardNot offeredSpritz CardNot offered
- Use balance for spending
- Wirex One CardNot offeredSpritz CardNot offered
- Lock-up
- Wirex One CardNot offeredSpritz CardNot offered
Trust & availability
6 fields- Custody
- Wirex One CardNon-custodialSpritz CardHybrid custody
- Control until payment
- Wirex One CardNot disclosedSpritz CardProvider controls funds
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedSpritz CardNot disclosed
- Card processing
- Wirex One CardNot disclosedSpritz CardRain
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.Spritz CardNot disclosed
- Programme operator
- Wirex One CardUAB WirexSpritz CardNot disclosed
Sources
2 fields- Official sources
- Wirex One Card36Spritz Card41
- Last reviewed
- Wirex One CardAug 12, 2026Spritz CardAug 28, 2026
04 · The takeaway
Wirex One Card is the stronger all-round choice
Wirex One Card finishes ahead with an Overall Score of 77 versus 62 for Spritz Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
Spritz Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Wirex One Card uses a non-custodial account setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Wirex One Card lists more stablecoins and ways to send money out (6 vs 1). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Wirex One Card and Spritz Card reviews first.
Continue with
Wirex One Card
Continue with
Spritz Card
05 · Common questions
Wirex One vs Spritz FAQ
Is Wirex One or Spritz better overall?
Wirex One Card has the higher Overall Score (77 vs 62). 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 Spritz?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Spritz?
Wirex One Card has the higher published base cashback rate (0.5% vs 0%). 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 Spritz differ on custody?
Wirex One Card uses a non-custodial account setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Wirex One vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 77 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.