Wirex vs 1inch Card: Full Comparison 2026

Updated2 days ago

Live pricesvia CoinGecko

BTC$78,057▲ 0.18%

ETH$2,289▲ 0.96%

USDT$0.9990▼ 0.05%

USDC$0.9996▼ 0.04%

Verdict

Winner: 1inch Card

1inch Card takes it 3–2. 1inch Card converts cheaper (0.0%); Wirex pays more back (Up to 8%); 1inch Card needs less verification.

Wirex vs 1inch Card: the short version

Wirex and 1inch Card take noticeably different approaches to the same job: turning a crypto balance into a card payment. If you spend several thousand a month, 0.0% on 1inch Card against 1–2% on Wirex is the single biggest number in this comparison. Wirex leads on rewards with Up to 8%; read the tier conditions before treating that number as your real return. Onboarding is where they split hardest: 1inch Card gets you spending with a light check, while Wirex runs full verification with the usual limits and reviews that come with it. 1inch Card only settles from stablecoins (USDC, USDT, DAI), while Wirex also accepts BTC, ETH, LTC +150 — useful if you would rather not convert first. Coverage overlaps in EU, Global; outside that, check the issuer's country list before applying.

Key differences

1inch Card converts at 0.0% against 1–2% on Wirex — a gap of about 1.50 percentage points, or roughly $15.00 on every $1,000 you spend.
Wirex pays Up to 8% back while 1inch Card runs no rewards programme at all.
1inch Card asks for partial verification only, while Wirex runs full KYC before the card is issued.
Wirex is available across EU, UK, US, Global; 1inch Card is limited to EU, Global.
1inch Card issues instantly, so you can pay the same day. Wirex requires approval or shipping first.
Wirex is virtual/physical, 1inch Card is virtual — relevant if you need a plastic card for deposits, hotels or car rental.
Funding assets do not overlap: Wirex takes BTC, ETH, LTC +150, 1inch Card takes USDC, USDT, DAI.
Spending headroom differs: Wirex is rated "High", 1inch Card "Medium".

Side-by-Side Comparison

Specification

Wirex

1inch Card

Conversion Fee

1–2%

0.0%

Cashback

Up to 8%

—

KYC Required

Full

Partial

Supported Coins

BTC, ETH, LTC +150

USDC, USDT, DAI

Regions

EU, UK, US, Global

EU, Global

Card Type

Virtual/Physical

Virtual

Instant Issue

Yes

Limits

High

Medium

Category Breakdown

Fees

0.0% vs 1–2%

1inch Card

Cashback

Up to 8% vs —

Wirex

KYC / Privacy

Partial KYC vs Full KYC

1inch Card

Availability

4 regions vs 2

Wirex

Which one fits your situation

Everyday spending

Lower conversion cost (0.0%) on every purchase.

1inch Card

Cashback hunters

Up to 8% against —.

Wirex

Privacy

Partial KYC versus Full.

1inch Card

Card needed today

Instant issuance, no shipping wait.

1inch Card

Travel

Virtual/Physical card covering EU, UK, US, Global.

Wirex

Stablecoin holders

Settles directly from USDC, USDT, DAI.

1inch Card

High spenders

High limits versus Medium.

Wirex

Wirex vs 1inch Card: FAQ

Which is better, Wirex or 1inch Card?

1inch Card. 1inch Card takes it 3–2. 1inch Card converts cheaper (0.0%); Wirex pays more back (Up to 8%); 1inch Card needs less verification.

Which has higher spending limits, Wirex or 1inch Card?

Wirex is rated "High" and 1inch Card "Medium". Limits usually rise with verification level and account history.

Is spending Wirex or 1inch Card a taxable event?

In most countries yes: paying with either card converts crypto to fiat, which is a disposal. The card you pick does not change that — see our guide on crypto card taxes.