10 Best Wirex Card Alternatives for Crypto Users in 2026

The Top Wirex Card Substitutes for 2026 will be covered in this post. There are several great options if you’re searching for bitcoin cards with cheap fees, broad cryptocurrency support, appealing cashback, and worldwide usage.

These cards, which range from Binance Visa to Coinbase Card, Nexo, and Revolut, provide safe and practical ways to spend cryptocurrency anywhere in the world.

What is Wirex Card Alternative?

Any cryptocurrency debit or credit card that offers comparable or improved capabilities to the Wirex Card is a Wirex Card Alternative. These substitutes let users to rapidly convert cryptocurrency to fiat, spend cryptocurrencies like Bitcoin, Ethereum, or stablecoins at retailers across the globe, and frequently receive rewards or rebates.

They might provide reduced costs, more extensive cryptocurrency support, or extra benefits like multi-currency wallets, integrated banking, or DeFi access. In essence, a Wirex Card Alternative offers cryptocurrency holders convenient, safe, and adaptable alternatives to use digital assets for regular expenses.

Why Use Wirex Card Alternatives

More Cryptocurrencies: There are alternatives to Wirex that allow you to hold and spend more cryptocurrencies than Wirex.

Increased Cashback and Rewards: Cards like the Nexo and Binance Visa have more favorable cashback and rewards programs than Wirex.

Lower Cost: Some wirex card alternatives have no or lower annual and maintenance fees.

More Availability: There are alternatives to the Wirex that have more global reach than the Wirex card.

Unified Services: Cards like Revolut allow you to have more crypto and banking features.

More Spend Controls: Some cards allow you to set ATM withdrawal limits, have a better exchange on different currencies, or have a spend collateral service.

Better Design and Functionality: Some users prefer the designs of the apps and websites of services like Uphold and Coinbase over Wirex.

Key Point & Best Wirex Card Alternatives List

Crypto Card	Key Points
Binance Visa Card	High cashback up to 8% in BNB, low fees, wide crypto support, global Visa acceptance.
Coinbase Card	Supports 100+ cryptos, real‑time conversion, crypto rewards, linked to Coinbase wallet.
BitPay Card	Mastercard debit, simple USD conversion, supports major cryptos, good for U.S. users.
Nexo Card	Spend crypto without selling it, up to 2% cashback, no annual fee, interest on unused assets.
Revolut Card (Crypto)	Combines crypto spend with banking, multi‑currency wallets, tier‑based perks.
Monolith Card	Ethereum & ERC‑20 token spending, self‑custody focused, Visa acceptance.
Uphold Card	250+ supported assets, no foreign transaction fee, instant spend from wallet.
Paycent Card	Supports crypto/fiat, easy global spend via Visa, in‑app exchange.
SpectroCoin Card	Visa card tied to wallet, supports 40+ cryptos, instant conversion.
CryptoPay Card	Crypto to fiat spend, Visa accepted worldwide, simple load & spend process.

1. Binance Visa Card

The Binance Visa Card crypto debits card enables buyers to buy major moneys (like Bitcoin (BTC), Binance Coin (BNB), Ethereum (ETH), and so forth with real-time conversions taking place at checkout. Cardholders can receive a cashback reward up to 8% in BNB.

Bonuses* are based on BNB store account levels. There are no annual fees, no issuance fees, and low transaction fees of about 0.9%. Of course, the card is good everywhere Visa is accepted. Binance is also classified as one of the best Wirex Card alternatives.

Binance Visa Card Features, Pros & Cons

Features

• Visa crypto debit card
• Multiple cryptocurrencies supported (BTC, BNB, ETH, etc.)
• 8% cashback in BNB
• No annual fees
• Accepted globally where Visa is accepted

Pros

• 8% cashback in BNB
• Multiple cryptocurrencies supported
• No annual fees
• Easy to use with the Binance wallet
• Can be used worldwide

Cons

• Cash back only with BNB
• Can’t be used in every country
• A Binance account is needed
• Crypto to fiat conversion can be slow
• Must do KYC verification

2. Coinbase Card

With the Coinbase Card, you can spend from your Coinbase account with instant crypto‑to‑fiat conversion at the point of sale, and supports any Coinbase cryptocurrency (BTC, ETH, DOGE, …). Users get up to 4% back in crypto rewards and there’s no annual fee, but transaction and conversion fees (~2.49%) can apply for purchases.

With its straightforward design and global acceptance, it is certainly a viable alternative to the Wirex Card for customers looking for a dependable, seamless experience that connects them to the Coinbase ecosystem. 

Coinbase Card Features, Pros & Cons

Features

• Visa card connects to Coinbase wallet
• 100 cryptocurrencies supported
• Card earns crypto back on purchases
• Transitions to crypto in real-time when buy
• Can track spend in the app

Pros

• 100+ cryptocurrencies supported
• Easy to use for Coinbase users
• No annual fee for the card
• Receive alerts after every spend
• Backed by a secure exchange

Cons

• Fees apply when converting and spending (2.49%)
• Cash back is less than some competitors
• Not all regions can use it
• You need a Coinbase account
• There is a risk that the cashback crypto can lose value

3. BitPay Card

A US-centric crypto debit solution is the BitPay Card. With it, you can freely spend and convert your cryptocurrencies, including BTC, ETH, LTC, and USDC, while maintaining a USD load. There is usually a one-time fee for issuance of the card and standard ATM charges.

They also impose a 3% fee for foreign transactions but there is no monthly fee for the card. The card is usable with a wide variety of popular cryptocurrencies, and while it may not have the highest cashback bonuses, its transparent fee structure makes it a decent Wirex card alternative.

BitPay Card Features, Pros & Cons

Features

• BitPay Crypto Mastercard
• BTC, ETH, and stablecoins
• Pay with BitPay wallet
• USD settlement
• Withdrawals via ATM

Pros

• Major crypto acceptance
• Easy load/spend system
• Good for US customers
• No monthly charges
• Widely accepted

Cons

• Foreign transaction charge (3%)
• Less global coverage
• Fewer rewards
• Change to USD only
• KYC needed

4. Nexo Card

The Nexo Card is special since it supports more than 40 cryptocurrencies and stablecoins and enables cryptocurrency holders to make purchases using their current assets as collateral instead of selling them.

It has no monthly or yearly fees and up to 2% payback in NEXO tokens or Bitcoin depending on the loyalty tier. Interest on unused balances and free ATM allowances up to tier restrictions are extra benefits. It is one of the greatest Wirex Card substitutes for long-term holders looking for liquidity without incurring taxable sales thanks to its dual spend/collateral strategy and extensive cryptocurrency support.

Nexo Card Features, Pros & Cons

Features

• Mastercard with crypto backing
• Supports 40+ coins and stablecoins
• No annual fee
• Up to 2% cashback
• Earn interest on your crypto

Pros

• Spend crypto without selling
• Earn cashback
• Crypto on-pay assets
• Superior security features
• Easy to use

Cons

• Less cashback earnings than other cards
• Nexo only
• Must keep collateral
• Availability issues
• Beginners may find complicated

5. Revolut Card (Crypto)

Revolut’s cryptocurrency-enabled card combines standard banking with cryptocurrency conversion, enabling you to spend bitcoin by automatically converting it to fiat at the point of sale. The Revolut app supports a wide range of significant cryptocurrencies. Your subscription tier (Standard to Metal) determines the fees.

Certain plans offer rewards or cashback, while advanced programs can include travel benefits. The Revolut card is a legitimate substitute for the Wirex Card for consumers seeking integrated cryptocurrency and regular banking services, but not being a pure cryptocurrency card like Wirex due to its multi-currency and budgeting features.

 Revolut Card (Crypto) Features, Pros & Cons

Features

• Spend crypto via Revolut
• Supports top 5 coins
• Embedded banking features
• Multi currency accounts
• Premium plans with cashback

Pros

• Banking and crypto melt
• Easy to use
• Travel benefits on premium
• Budgeting features
• Accepted globally

Cons

• Fees differ based on plan level.
• Crypto is not completely self-custody.
• Tier level upgrades only.
• Converted spread fees.
• Not completely focused on crypto.

6. Monolith Card

The Monolith Card was an Ethereum-focused cryptocurrency that made it possible to use a Visa debit card to purchase ETH and ERC-20 tokens. It included customizable Ethereum token support and a DeFi wallet connection.

Monolith offered a more self-custodial option, whereas many conventional cards concentrate on centralized exchange wallets. Its direct issuance has been restricted due to shifts in market offerings and availability, however decentralized wallet users who prefer direct token spending on the Ethereum network continue to refer to it as a Wirex Card substitute.

Monolith Card Features, Pros & Cons

Features

• View debit card.
• Compatible with Ethereum & ERC-20 Tokens.
• Integrated crypto wallet.
• On-chain DeFi wallet.
• Self-custody focused.

Pros

• Supports DeFi tokens.
• Self-custody wallet control.
• Fees are clear.
• Integration with Ethereum.
• Decentralized focus.

Cons

• Outside Ethereum, limited coins.
• Less support overall.
• Availability limitations.
• Lesser reward structure.
• Not great for users needing fiat.

7. Uphold Card

With 0% foreign transaction fees and low exchange rates, the Uphold Card is a flexible cryptocurrency and fiat debit card that enables users to spend assets from their Uphold wallet. It offers versatility that many rivals cannot match, supporting a wide portfolio of more than 250 cryptocurrencies, including BTC, ETH, XRP, and several altcoins.

There are no upfront yearly card fees; the only fees are internal trading spreads and withdrawal network costs. For consumers who value variety and cheap transaction costs, the Uphold card is a good substitute for the Wirex Card due to its broad cryptocurrency support and minimal usage fees.

Uphold Card Features, Pros & Cons

Features

• Mastercard debit card.
• More than 250 crypto & fiat assets.
• No foreign transaction fees.
• Spend from wallet whenever.
• Multi-asset enable spending.

Pros

• Big variety of crypto.
• Multiple spend varieties.
• Low fee structure.
• Vast tenant asset variety.
• App is user friendly.

Cons

• Conversions have spread costs.
• Rewards are capped.
• Availability of the card in the US is limited.
• Beginners may find it difficult.
• Not completely crypto only.

8. Paycent Card

You may spend cryptocurrency anywhere in the globe with the Paycent Card since it supports more than a dozen different cryptocurrencies as well as several fiat currencies (such as EUR, USD, and GBP). There are no monthly or issuance fees, but there are set fees for spending (~$1.50) and ATM use (~$4.50), as well as a 2.50% foreign exchange conversion fee.

For consumers looking for an easy-to-use cryptocurrency card without complicated staking or loyalty criteria, its simple price structure and multi-asset support make it a viable Wirex Card substitute; nevertheless, benefits are more constrained than those of other cards.

Paycent Card Features, Pros & Cons

Features

• Visa crypto debit card.
• Supports major coins and fiat.
• Spend globally.
• Exchange in the app.
• ATM support.

Pros

• Easy spend configuration.
• Flexibility in multiple currencies.
• No account set up fee
• Operates globally
• Combines crypto and fiat wallets

Cons

• Fees when spending
• Less money back rewards
• Less reward options than many other exchanges
• Less tokens available than bigger exchanges
• Restricted by region

9. SpectroCoin Card

Connected to your SpectroCoin wallet, the SpectroCoin Card is a Visa-powered cryptocurrency debit card that supports Bitcoin, Ethereum, and more than 40 other cryptocurrencies that can be exchanged for EUR. Fees include POS transaction fees outside of the EEA, ATM withdrawal fees, and a €1 monthly service charge.

Card loading from the wallet is free, but there can be small load and exchange costs. For foreign consumers who seek flexible crypto-to-fiat conversion, the SpectroCoin card is a competitive Wirex Card substitute due to its wide asset compatibility and worldwide usage.

SpectroCoin Card Features, Pros & Cons

Features

• Visa card linked to SpectroCoin wallet
• BTC, ETH, and 40+ other cryptos supported
• Monthly card fee
• Instant conversion of crypto
• Withdrawals from ATM

Pros

• Support of versatile assets
• Helpful crypto conversion
• International spending utility
• Different wallet options
• Addition of fiat wallets

Cons

• Monthly fee of €1
• Fees for withdrawals and transactions
• Fees associated with spreads
• Limited rewards
• In some regions, it is not available

10. CryptoPay Card

In the past, the CryptoPay Card (not to be confused with Cryptopay) provided a Visa debit solution that made it possible to spend Bitcoin and other popular cryptocurrencies anywhere in the globe with regular card and ATM costs.

CryptoPay primarily supported BTC, ETH, and stablecoins with conversion fees integrated into the spend rate, though the current fees and supported coin specifications vary by issuer and area.

For consumers in areas where CryptoPay is accessible, it continues to be a Wirex Card substitute and provides basic cryptocurrency spending capabilities; however, customers should review the most recent terms for the most recent fee schedules.

CryptoPay Card Features, Pros & Cons

Features

• Visa crypto debit card
• Supports major cryptos like BTC and ETH
• Quick crypto‑to‑fiat spending
• ATM withdrawals
• You can load the card via wallet balance

Pros

• Spend crypto easily
• Works with all Visa merchants
• Fees are simple and easy
• You can load it quickly
• Good for everyday spending

Cons

• Maintenance fees/ ATM fees
• Limited rewards
• Not all regions are supported
• Fewer coins are supported
• There are conversion fees

Conclusion

In conclusion, even if the Wirex Card is still a well-liked option for cryptocurrency purchases, a number of solid substitutes offer distinctive capabilities to meet various customer requirements.

While Nexo and Uphold provide flexible cryptocurrency support with cashback incentives, cards like Binance Visa and Coinbase Card excel in rewards and worldwide acceptance.

While Revolut and Paycent combine cryptocurrency spending with standard banking features, Monolith stands out for those looking for DeFi-focused or self-custodial solutions.

These are some of the top Wirex Card substitutes in 2026 as it’s important to consider supported cryptocurrencies, fees, rewards, and regional accessibility while selecting a card.

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