Wirex One vs Krak Card
Wirex One scores 13/16, Krak Card scores 12/16 on the CBL Card Score. Here is every criterion side by side.
 Wirex One |  Krak Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 2 of 2 |
| Availability | 2 of 2 | 1 of 2 |
| FX fee on a foreign-currency purchase | 2 of 2 | 2 of 2 |
| Funding cost | 1 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 2 of 2 | 2 of 2 |
| Yield on idle balance | 1 of 2 | 1 of 2 |
| Total | 13 | 12 |
The short verdict: Wirex One leads overall (13 to 12). Self-custodial wallet, card settlement route not stated, 0% FX, variable spread on crypto sales FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Wirex One | Base 0.5%, Premium 1%, Elite 3%, Private 5%, Bespoke 8%, paid in USD; monthly caps $25, $100, $300, $1,000, $2,000; ATM withdrawals, crypto purchases, gambling and 30-plus merchant categories excluded (official). |
| Krak Card | Starter 0%, Lite 0.5%, Pro 1%, Elite 1.5%, Max 2%, set by a 30-day rolling average balance across Krak, Kraken and Kraken Pro; paid in Bitcoin or fiat; new users may get the Max rate for the first 30 days, subject to geographic limits (official, Kraken Card FAQ, 8 Oct 2026). Blog says cashback is paid weekly (official, 13 Jul 2026). US page adds up to 6% on travel booked through Krak (official, krak.app/card). |
Cashback is shown as a dated fact and never scored.