Head to head
Ledger CL Card vs Wirex Card
You hold crypto in a hardware wallet and you are deciding whether a card is the right way to spend it.
Where the two actually differ
- Wirex Card returns more cashback on spending, up to 8%.
- If you use ATMs, Wirex Card has the higher cash withdrawal limit: EUR 5,000 per month against 2,000 for Ledger CL Card.
- Wirex Card excludes fewer countries, so it is the one more likely to work in a second market.
- Ledger CL Card accepts more assets directly, listed on its card page, which decides whether you have to convert before you spend.
- They run on different networks: visa for Ledger CL Card and mastercard for Wirex Card.
- Ledger CL Card is available in the United States, which the other one is not. Neither is a better card for someone who can open both, but only one of them is open to you.
Every line above is generated from the fields in the table below, so none of it is an opinion. Where a value is missing from the provider dataset, the difference is reported as unknown rather than as a win.
Ledger CL Card fees vs Wirex Card fees, side by side
The crypto card fees, limits and verification rules both providers publish, on the same rows. A dash means the dataset holds no value for that field rather than that the value is zero.
| Card | Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|---|
| Ledger CL Card | Visa | Physical | Required | Free | Free | — | 2% | $2,000 | Apple Pay, Google Pay | Yes |
| Wirex Card | Mastercard | Virtual, Physical | Required | Free | Free | 1% | 0.5-8% | EUR 5,000 | Apple Pay, Google Pay | No |
Fee, limit and KYC data was last updated 2026-10-02.
Which one you should pick
Each line below is a case where that card beats the other one on a field both providers publish. Nothing here is an overall score.
Choose Ledger CL Card if
- you want to spend without converting first, and it accepts 8 assets directly against 5
- you are in the United States, where the other card cannot be opened at all
Ledger CL Card is a physical card on the visa network. It has no annual fee. It pays 2% cashback on spending. The provider requires identity verification before issuing it. The provider lists the United States as a supported region. Annual fee Free, top-up Not supplied, cashback 2%.
What Ledger CL Card costs you
- Identity verification required
Choose Wirex Card if
- cashback is higher at 8% against 2%
- you take money out at ATMs, with a EUR 5,000 per month limit against 2,000
- you travel, and it excludes fewer countries than the other card does
Wirex Card is a physical and virtual card on the mastercard network. It has no annual fee. It pays 0.5-8% cashback on spending. The provider requires identity verification before issuing it. The provider does not list the United States as a supported region, and excludes USA. Annual fee Free, top-up 1%, cashback 0.5-8%.
What Wirex Card costs you
- 1% top-up fee
- Identity verification required
- Not available in the United States
Questions about Ledger CL Card and Wirex Card
Answered from the same provider dataset as the table above. A question is left out rather than answered with “not published”.
- Which is cheaper, Ledger CL Card or Wirex Card?
- Ledger CL Card and Wirex Card both cost Free a year. The difference between them is in the fees that apply per transaction.
- Does Ledger CL Card or Wirex Card require identity verification?
- Ledger CL Card requires identity verification and Wirex Card requires identity verification.
- Can I use Ledger CL Card and Wirex Card in the United States?
- Ledger CL Card lists the United States as a supported region and Wirex Card does not list the United States as a supported region.
- Which of Ledger CL Card and Wirex Card pays cashback?
- Wirex Card pays the most, up to 8%, against 2% for Ledger CL Card.
- Can I get a physical card from Ledger CL Card or Wirex Card?
- Ledger CL Card issues a physical card only and Wirex Card issues physical and virtual cards.
- Does Ledger CL Card or Wirex Card work with Apple Pay and Google Pay?
- Ledger CL Card supports Apple Pay and Google Pay and Wirex Card supports Apple Pay and Google Pay.
- Which has the higher ATM withdrawal limit, Ledger CL Card or Wirex Card?
- Wirex Card releases more cash, EUR 5,000 per month, against 2,000 for Ledger CL Card.
- Which cryptocurrencies can I spend from Ledger CL Card and Wirex Card?
- Ledger CL Card accepts 8 directly (BTC, ETH, SOL, USDT, USDC, XRP, BCH, LTC) and Wirex Card accepts 5 (BTC, ETH, USDT, XRP, LTC), so an asset one of them does not list has to be converted before you spend it.
- Which card network do Ledger CL Card and Wirex Card run on?
- Ledger CL Card runs on visa and Wirex Card on mastercard.
Both cards are described from the provider dataset bit.pizza maintains, last updated 2026-10-02. Providers change their own fees and terms, so confirm anything you rely on with them directly.