Wirex Card vs XPlace
2 crypto cards compared on the numbers that decide value: the real cashback you keep after fees and FX, where each is available, and their perks. Set your monthly spend and region below and every rate updates for your situation.
Cashback and FX are estimated for this spend and region.
| Wirex Card | XPlace | |
|---|---|---|
| Effective cashback | 0.0% | 0.7% |
| Net / month | $0 | $33 |
| Network | Visa | Visa |
| Custody | custodial | self-custodial |
| Card type | debit | credit |
| FX for your region | 0.5% | 0.0% |
| Available in | UK, EU, AU, APAC, ROW | US, UK, EU, CA, AU, APAC, ROW |
| Perks | 🛋️🛡️📦🎩🏷️💰🏦💳 | 🛋️🎩🏷️💰🏦💳 |
Verdict for your spend
At $5,000/mo in your selected region, XPlace returns the most real cashback (0.7%). The best card still depends on which perks you want and where you can get it, so check each against your situation.
Wirex Card
- ✓Long track record (since 2015) and a rare dual Visa+Mastercard principal membership, no sponsor-bank fragility
- ✓New no-subscription Wirex One pays cashback in USD value, removing the volatile-token payout of the old model
- ✓Genuine premium Visa perks (lounges, hotel collection, concierge, flight comp) at no monthly fee
XPlace
- ✓Non-custodial: user keys, Kamino Finance smart contracts, XPlace cannot access funds
- ✓Earn yield on collateral while spending (SOL up to 6.15% APY; stablecoins up to 16% APY via Kamino)
- ✓No sell event / taxable event in Credit Mode: borrow against crypto, not sell
See more crypto card comparisons or the best cards for cashback.