Bybit Card vs Wirex Elite
Detailed comparison
| Bybit Card | Criteria | Wirex Elite |
|---|---|---|
| 2 % | Base cashback | 2 % |
| 10 % | Premium cashback | 8 % |
| Free | Annual fees | 348 € |
| 1 € | Staking required | None |
| 10 000 € | Daily limit | 20 000 € |
| Mastercard | Network | Visa |
| Available in Europe | ||
| Free ATM withdrawals |
Accepted cryptos6
Accepted cryptos7
Bybit Card vs Wirex Elite: which crypto card should you choose?
The Wirex Elite and Bybit Card both offer some of the highest cashback rates on the European crypto card market. The Wirex Elite offers up to 8% in WXT but charges ~€9.99/month subscription. The Bybit Card offers up to 10% in MNT with no fees or subscription. For moderate spenders, Wirex's subscription fees quickly negate the cashback advantage.
Cashback and rewards: advantage Bybit Card or Wirex Elite?
Cashback is often the primary selection criterion for a crypto card. Both Bybit Card and Wirex Elite offer variable reward levels depending on staked token amounts. As a general rule, the higher the staking, the better the cashback rate, sometimes up to 5% or more. It's worth calculating whether the extra return justifies locking up capital, taking into account the volatility of crypto assets.
Fees, staking requirements and conditions
Beyond cashback, annual fees and staking requirements play a decisive role in a card's real profitability. Bybit Card and Wirex Elite differ on these points: one may be free under certain conditions, while the other requires a token commitment. ATM withdrawals, foreign-currency charges and any monthly commissions should also factor into your analysis.
Our verdict: Bybit Card vs Wirex Elite
On cashback-to-total-cost ratio, the Bybit Card wins: €0 fees, potentially higher cashback. The Wirex Elite is only justified if you actively use the Wirex ecosystem (exchange, multi-currency). For most EU users, the Bybit Card is more advantageous. Score: Bybit Card 4.0/5 vs Wirex Elite 3.5/5.
Frequently Asked Questions
Does the Wirex Elite have monthly fees?
Yes. The Wirex Elite plan costs around €9.99/month (~€120/year), significantly reducing the net cashback benefit.
Check the full terms on the official website.
View offerHow to choose between two crypto cards?
Comparing two crypto cards is not just about looking at the cashback rate on the label. You need to factor in the staking amount required to unlock that rate, the annual fees that eat into net returns, the daily spending limits, and the geographic availability of the card. For instance, a card offering 5% cashback but requiring €10,000 in staking may be less attractive than a 2% card with no staking requirement, depending on your profile. Our comparison puts all these criteria side by side to help you make the best decision. You can also use our cashback simulator to calculate your estimated return based on your spending habits.
📰Read our article: Crypto card for business and freelancers in 2026: which options for professional use?Explore by criterion