Rewards calculator
What each card pays you back in a year, minus every fee: plan, FX, per-purchase, small-purchase and top-up. Pick where you live: a card that bills in your currency charges no FX fee at home. Then compare tiers across up to three cards, or see one card line by line.
Tiers of Wirex One Card, ether.fi Cash Card and Ethena Pay at $1,000 a month · best for you: Wirex Bespoke ($950 a year)
| Card · tier | Rewards / yr | Plan and card fees / yr | FX cost / yr | Purchase fees / yr | You keep / yr | Notes |
|---|---|---|---|---|---|---|
| $960 | $0 | $0 | −$9.61 | $950 | Tier price not published · How to qualify is not published | |
Wirex One CardPrivatePrice not published | $600 | $0 | $0 | −$9.61 | $590 | Tier price not published · How to qualify is not published |
Ethena PayVIPPrice not published | $600 | $0 | −$12.00 | $0 | $588 | Tier price not published · Needs: Lock $10000 in ENA or invite 50 users |
Ethena PayProPrice not published | $540 | $0 | −$12.00 | $0 | $528 | Tier price not published · Needs: Lock $2000 in ENA or invite 10 users |
| $480 | $0 | $0 | $0 | $480 | Or hold 500,000 ETHFI (~$297,407) | |
Ethena PayStandardFree | $480 | $0 | −$12.00 | $0 | $468 | |
ether.fi Cash CardCoreFree | $360 | $0 | −$6.00 | $0 | $354 | Free for everyone |
Wirex One CardElitePrice not published | $360 | $0 | $0 | −$9.61 | $350 | Tier price not published · How to qualify is not published |
| $360 | −$199 | −$3.00 | $0 | $158 | Or hold 30,000 ETHFI (~$17,844) | |
Wirex One CardPremiumPrice not published | $120 | $0 | $0 | −$9.61 | $110 | Tier price not published · How to qualify is not published |
Wirex One CardBaseFree | $60.00 | $0 | $0 | −$9.61 | $50.39 | Virtual card only |
| $360 | −$999 | $0 | $0 | −$639 | Or hold 150,000 ETHFI (~$89,222) |
Which one pays off at your spend
| Monthly spend | Best tier | You keep / yr |
|---|---|---|
| $250 | Wirex Bespoke | $238 |
| $500 | Wirex Bespoke | $475 |
| $1,000 | Wirex Bespoke | $950 |
| $2,000 | Wirex Bespoke | $1,901 |
| $3,000 | Wirex Bespoke | $2,851 |
| $5,000 | Wirex Bespoke | $4,752 |
| $10,000 | Wirex Bespoke | $9,504 |
Wirex One Card
- Premium (price not published) vs Base (free): can’t be compared, the price is not published.
- Elite (price not published) vs Premium (price not published): can’t be compared, the price is not published.
- Private (price not published) vs Elite (price not published): can’t be compared, the price is not published.
- Bespoke (price not published) vs Private (price not published): can’t be compared, the price is not published.
ether.fi Cash Card
- Luxe ($199/yr) beats Core (free) once you spend $2,795 a month. Or hold 30,000 ETHFI (~$17,844).
- Pinnacle ($999/yr) beats Luxe ($199/yr) once you spend $13,169 a month. Or hold 150,000 ETHFI (~$89,222).
- VIP (free) keeps you more than Pinnacle ($999/yr) at any spend. Or hold 500,000 ETHFI (~$297,407).
Ethena Pay
- Pro (price not published) vs Standard (free): can’t be compared, the price is not published. Needs: Lock $2000 in ENA or invite 10 users.
- VIP (price not published) vs Pro (price not published): can’t be compared, the price is not published. Needs: Lock $10000 in ENA or invite 50 users.
Worked out with all your other settings unchanged. Staking or lockups a tier needs are not counted as a cost; their value today is shown next to them. Compare these side by side: perks, caps and how to qualify
Missing figures are counted as zero and flagged in the notes. Spending caps, spend bands and small-purchase limits are applied where the issuer publishes them. Top-up fees are worked out on everything you load, including the money that goes on fees. How the calculator works. To see one purchase line by line, try the swipe receipt.