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Bleap vs Wirex: Which Crypto Card Actually Pays More in 2025?
Wirex offers 0.5 – 8 % cashback in WXT depending on a paid subscription (€9.99 – €29.99 per month). Bleap’s free Mastercard pays 2 % in USDC with no FX or monthly fees. Because Wirex rewards fluctuate with token prices and plan costs, Bleap usually delivers higher net returns for everyday spending.
Key Takeaways
- Bleap: 2 % cashback in stable USDC, 0 % FX fees, no subscriptions, non-custodial.
- Wirex: 0.5–8 % cashback in volatile WXT, subscription tiers and FX spreads apply.
- Bleap users keep 100 % of their cashback value, Wirex users often lose to token drops and plan fees.
- MiCA-aligned & secure: Bleap operates fully non-custodial under EU self-custody principles.
Cashback Reality Check
Wirex’s Cryptoback™ rewards depend on your subscription plan and tier:
| Plan |
Tiers |
Cashback Rate |
| Standard (free) |
Entry / Enhanced |
0.5 % – 1 % |
| Premium (€9.99 / m) |
Entry / Enhanced / Ultimate |
1 % – 3 % |
| Elite (€29.99 / m) |
Entry / Enhanced / Ultimate |
4 % – 8 % |
- Paid tiers increase caps (10 000 → 250 000 WXT / month).
- Cashback is paid in WXT, whose price fluctuates.
- No rewards for ATMs, tax payments, P2P transfers, or restricted MCCs.
Bleap delivers a flat 2 % cashback in USDC, stable and immediately usable, no subscriptions or token risk.
| Feature | Bleap Mastercard | Wirex Card |
|---|
| Reward Type | 2 % in USDC (stablecoin) | 0.5–8 % in WXT token |
| Subscription Needed | No | Yes (Premium €9.99 / Elite €29.99) |
| Free Plan Reward | 2 % | 0.5–1 % |
| Reward Stability | Fixed (1 USDC = $1) | Market dependent (WXT) |
| Eligibility | All purchases | No ATMs / tax / MCC-limited |
Hidden Fees Explained
Bleap Highlights
- 0 % FX and conversion fees (EUR↔USD↔stablecoins).
- No monthly costs or token requirements.
- Free ATM withdrawals up to $400 / month.
Wirex Costs
- FX markups and spreads on crypto-fiat conversions.
- Subscriptions: Premium €9.99 / Elite €29.99 monthly.
- ATM: Free ≤ £200 / month, then 2 %.
- Physical card: ~€5–10 issuance fee.
| Fee Type | Bleap | Wirex |
|---|
| FX / Conversion | 0 % | Spread + FX markup |
| Monthly Subscription | €0 | €9.99 / €29.99 |
| ATM Withdrawals | Free ≤ $400 / m | Free ≤ £200 / m then 2 % |
| Issuance Fee | Free | €5–10 |
Custody & Security
| Aspect |
Bleap |
Wirex |
| Wallet Type |
Non-custodial MPC |
Custodial |
| Private Keys |
User-owned |
Held by Wirex |
| Regulation |
MiCA-aligned (EU) |
FCA / regional licences |
| Fund Access |
24 / 7 direct |
Subject to platform availability |
Bleap lets you hold and spend from your own wallet, no counter-party risk. Wirex operates as a custodian, holding balances on your behalf.
Global Coverage & FX
Both cards work worldwide where Mastercard/Visa are accepted.
Bleap applies 0 % FX globally, while Wirex rates vary by region.
- Bleap: EEA + Switzerland now; LATAM (BR, MX, CO, AR) Q1 2026.
- Wirex: EEA, UK, US, APAC with regional limits and fees.
Everyday Experience: Using Each App
Bleap
- Instant USDC cashback visible in your wallet.
- Simple interface; no tiers or staking.
- True 1:1 conversion for spending abroad.
Wirex
- Must select plan and hold WXT to maximize rewards.
- FX fees often appear post-transaction.
- Cashback value varies with WXT price.
In daily life, Bleap behaves like a regular bank card, only without fees or middlemen.
Value per €1 000 Spent
| Metric |
Bleap |
Wirex Standard |
Wirex Elite |
| Monthly plan cost |
€0 |
€0 |
€29.99 |
| Nominal cashback |
2 % = €20 |
0.5 % = €5 |
8 % = €80 |
| Token volatility (–20 %) |
€0 |
–€1 |
–€16 |
| FX fees (~1 %) |
€0 |
–€10 |
–€10 |
| Net value |
€20 (stable) |
–€6 loss |
≈ €25 net |
Even at 8 %, Wirex’s Elite tier barely outperforms Bleap after fees, and only if WXT holds its value.
Hidden Fees FAQ (Expandable)
Does Wirex charge FX fees?
Yes. Exchange spreads and mark-ups apply on crypto-fiat conversions; holding WXT can reduce them but not eliminate them.
Is Wirex cashback really 8 % for everyone?
No. 8 % applies only to Elite Ultimate users paying €29.99 / month; Standard users earn 0.5–1 %.
Are Bleap rewards subject to market risk?
No. They’re paid in USDC, a stablecoin pegged to the U.S. dollar.
Who Each Card Is Best For
| User Profile |
Recommended Card |
Reason |
| Everyday spenders & travelers |
Bleap |
0 % FX, free ATMs, stable rewards |
| Crypto beginners |
Bleap |
Simple setup, no token risk |
| Heavy spenders using Elite plan |
Wirex Elite |
Higher nominal % if WXT stable |
| Long-term holders & savers |
Bleap |
USDC rewards + non-custodial control |
How to Choose the Right Crypto Card
- Compare real cashback (after fees).
- Check FX markups and ATM limits.
- Verify custody model, do you own your keys
- Prefer transparent stable rewards over volatile tokens.
Glossary Quick Refs
- USDC: Fiat-backed stablecoin pegged 1:1 to USD.
- WXT: Wirex’s native utility token used for rewards and fee discounts.
- Non-custodial wallet: You control your private keys; no third-party access.
Safety & Compliance
Bleap follows MiCA (Markets in Crypto-Assets) principles and operates as a non-custodial MPC wallet, ensuring only users can move funds.
Wirex functions as a custodial platform licensed under regional financial authorities (e.g., FCA UK).
Verdict: Transparent Value Wins
| Category |
Winner |
Reason |
| Cashback stability |
Bleap |
USDC is stable |
| Hidden fees |
Bleap |
None |
| Control & security |
Bleap |
Non-custodial |
| Simplicity |
Bleap |
Flat rate, no tiers |
| Global coverage |
Tie |
Both worldwide |
Final Verdict:
Wirex’s 8 % headline looks high, but after subscriptions, FX spreads and token volatility, Bleap’s 2 % cashback in USDC provides higher real value for most users, simpler, transparent, and fully under your control.
FAQ Highlights
Is Wirex safe?
Yes, it’s regulated but custodial, your funds sit on Wirex accounts. Bleap keeps custody with you.
Which card has lower fees?
Bleap: 0 % FX and no monthly charges vs Wirex €9.99 – €29.99 plans.
Are crypto rewards taxable in Europe?
Yes, cashback in crypto may be taxable as income depending on your jurisdiction.
Conclusion
Wirex focuses on tokenized rewards that look big but come with complexity.
Bleap focuses on clarity, real cashback, no FX, no lock-ins, and complete ownership.
For users who want to spend crypto like money without losing value to fees,
Bleap is the smarter and safer choice in 2025.
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