Is Wirex a good bitcoin wallet

Bitcoin credit cards

What criteria should those interested in cards pay attention to?

Various criteria are important when making the selection. For some interested parties, only the fees are decisive. For others, limits or cashback programs will tip the scales.


Fees make up the lion's share in the rating of credit cards. Because the fee structure and usage behavior determine how much cardholders ultimately have to pay.

There are a number of fees to consider when choosing crypto credit cards.

Issuing fee

The fees for applying for a new card are up to 10 euros. The issue of a replacement card is similarly high or low.

Most providers, however, issue cards at no cost to the new owner. Since it is also a one-time payment, this fee is not very significant.

annual fee

Of course, things look different with an annual fee that is due regularly. The good news is that only a few providers charge a basic fee here, too.

Caution is advised in the premium segment. The greater the benefits, the greater the likelihood of an annual fee.

Transaction fees

Here, ticket buyers should carefully study the conditions. For those who only use the card occasionally or for certain transactions, the fee has little weight.

With many and especially with many high transactions, however, a percentage obolus can quickly add up.

Transaction fees are often linked to limits. It is worth knowing about the best combinations and choosing the card accordingly.

Trading and Exchange Fees

The profit margin for providers comes mainly from the collection of exchange fees. The procedure, which is well known from the stock exchanges, defines that users have to pay specific purchase and exchange fees for each currency.

For example, when exchanging Bitcoin for Fiat, a certain percentage is incurred, which is automatically deducted from the final total in Fiat.

Cash withdrawal and top-up fees

The whole point of a credit card is cashless payment. If cardholders do need cash, they can withdraw it from an ATM.

This leads to fees for around half of the credit cards tested, which are reflected either in a flat fee or a percentage fee or a combination of both.

Conversely, providers are faced with the challenge of keeping large sums of money in the wallets and accounts of the users. In order to keep this manageable, some exhibitors charge top-up fees, such as Swipe with 3.9%.

As with transaction fees, there are also limits to be taken into account for withdrawals and top-ups.