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Karta.io Card vs Wirex One Card

Wirex One Card scores higher on the G2M score: 74/100 against 40/100 (#4 and #26 of 26 cards). Wirex One Card also comes out ahead on cashback, a lower FX fee and more countries.

Karta.io Card40

#26 of 26 · Not published back · annual fee none

Get Karta.ioRead the review
Wirex One Card74

#4 of 26 · 0.5% to 8% back · annual fee none

Get WirexRead the review

The short answer

  • Wirex One Card scores higher on the G2M score: 74/100 against 40/100 (#4 and #26 of 26 cards).
  • Wirex One Card pays 0.5% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 8% on Wirex One Card.
  • Neither card has an annual fee.
  • Wirex One Card charges less on foreign currency: a 0% FX fee against 1%.
  • Wirex One Card lists 73 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only Wirex One Card is confirmed in United Kingdom, EU / EEA and UAE.
  • Both are self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Karta.io Card
Wirex One Card
G2M score
40
74 (better)
Base cashback
Not published
0.5%
Max cashback
Not published
8%
Paid in
Not published
USD
Annual fee
Free
Free
FX fee
1%
0% (better)
Top-up fee
0% (better)
0.08%
Per-purchase fee
1.5%
None listed
ATM
1 USDT + 2.5% per withdrawal
Premium tier and above
Network
Visa
Visa
Card type
Prepaid
Debit
Custody
Self-custodial
Self-custodial
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
No
UAE
Unclear
Yes
United States
No
No
United Kingdom
Unclear
Yes
EU / EEA
Unclear
Yes
Countries
Not published; depends on local rules and card partners
73
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
No
3 currencies
Buy and sell crypto with fiat
Buy only
Buy and sell
Spend against crypto without selling
No
Yes
Yield on your balance
No
Yes
Tiers
Karta Personal
Base · Premium · Elite · Private · Bespoke
Perks
Visa Signature · Fiat top-ups by ACH, SEPA, SWIFT, PIX and SPEI
No locked funds required · AirRefund flight compensation · Up to 15% off SIXT · Visa Signature benefits

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Karta.io Card or Wirex One Card?

Wirex One Card scores higher on the G2M score: 74/100 against 40/100 (#4 and #26 of 26 cards). Wirex One Card also comes out ahead on cashback, a lower FX fee and more countries. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Karta.io Card or Wirex One Card?

Neither card has an annual fee. Wirex One Card charges less on foreign currency: a 0% FX fee against 1%.

Which pays more cashback, Karta.io Card or Wirex One Card?

Wirex One Card pays 0.5% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 8% on Wirex One Card.

Which works in more countries, Karta.io Card or Wirex One Card?

Wirex One Card lists 73 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only Wirex One Card is confirmed in United Kingdom, EU / EEA and UAE.

Who holds my funds with Karta.io Card and Wirex One Card?

Both are self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.