Cardano Card

What the Cardano Card is

The Cardano Card is the first Cardano-branded payment card, launched through a partnership between EMURGO, Cardano's commercial arm, and Wirex, which issues the card. It is a Visa debit card that spends ADA and more than 685 other cryptocurrencies wherever Visa is accepted, managed entirely from the Wirex app, with virtual issuance available immediately and a physical card - including a metal Elite version - available in limited stock.

Cashback that scales with tier

Rewards are branded Cryptoback and run from up to 1% on the Standard card, through 3% on Premium, to 8% on Elite. The headline 8% is real but tier-gated: Premium costs $11.99 a month and Elite $34.99, so the higher rates only make sense for heavy spenders. Wirex pays Cryptoback in WXT, its own token, while the Cardano Card markets ADA rewards and lists ADA cashback on the Q1-Q2 2026 roadmap - so today you are earning Wirex's token, not ADA. ATM withdrawals, money transfers and categories such as gambling are excluded, and cashback arrives instantly.

Cardano-specific features

Beyond spending, the card plugs into the Cardano ecosystem: you can borrow stablecoins using ADA as collateral through Wirex Credit, earn yield on stablecoins and crypto through X-Accounts, and book hotels through Wirex Travel with discounts advertised up to 65%. Staking your ADA balance from the app, a self-custody wallet, and yield on real-world asset products are all listed as coming soon, which makes the current product custodial with a non-custodial phase promised.

Fees and access

Issuance is free and there is no annual fee. ATM withdrawals are free up to a regional monthly allowance - €200 in the EEA, £200 in the UK, S$200 in Singapore and APAC, A$400 in Australia - then 2%. Premium and Elite carry no FX fee, while Standard converts at interbank rates up to its limit. Card replacements cost $10 and crypto conversions in-app cost around 1%. EEA users also get a personal IBAN, which makes the card more of a full account than a spending add-on.

The Cardano Card is issued by Wirex on EMURGO's behalf, so its closest siblings are Wirex's own products: the Wirex Card, which shares the multi-currency account and the top cashback tier, and the BingX Card, built on the same payment infrastructure. Cardano holders comparing the three should check eligibility, since each has a different country list — the crypto cards directory records availability for every card here.

Card

• Visa debit card issued by Wirex and distributed by EMURGO.
• Virtual card available for instant digital issuance, plus a physical card in limited stock.
• Metal card available on the Elite tier.
• Apple Pay and Google Pay support.
• Managed entirely from the Wirex app, with a personal IBAN for EEA users.

Spending

• Spend ADA and 685+ supported cryptocurrencies at Visa merchants globally.
• Spend both crypto and traditional fiat for online and offline payments.
• ATM access worldwide, free up to a regional monthly allowance.
• Card replacements cost $10.

Rewards

• Cryptoback cashback: up to 1% on Standard, up to 3% on Premium and up to 8% on Elite.
• Credited instantly.
• Paid in Wirex's WXT token, with ADA cashback on the roadmap.
• Excludes ATM withdrawals, money transfers and certain merchant categories.

Cardano ecosystem features

• Borrow stablecoins instantly using ADA as collateral through Wirex Credit.
• Earn yield on stablecoins and crypto with X-Accounts.
• Hotel discounts up to 65% on selected properties via Wirex Travel, while still earning cashback.
• Referral bonuses available.
• On the roadmap: self-custody wallet, staking ADA from your balance, and yield on real-world asset products.

Spendable assets

The Cardano Card supports 685+ cryptocurrencies, with ADA, BTC, ETH, SOL, XRP, USDC and USDT among the headline assets. Because it is issued by Wirex, the card draws on Wirex wallet balances and settles at Visa merchants, converting crypto to fiat at the point of sale.

The ADA connection

ADA is the point of the product: the card was launched to bring Cardano's native asset into everyday payments, and Cardano's commercial arm EMURGO distributes it. ADA can be spent directly, borrowed against for stablecoin loans, and - per the roadmap - staked from the balance with ADA cashback on purchases expected in Q1-Q2 2026. Until those land, the ADA-specific features are borrowing and spending.

Rewards currency

Cryptoback is currently paid in WXT, Wirex's own token, rather than ADA. That matters for anyone who wants crypto cashback in the asset they actually hold: earning WXT introduces a conversion step and exposure to a different token. The Cardano Card's own marketing emphasises ADA rewards, and the roadmap lists ADA cashback, so the position may change - but the published mechanics today pay WXT.

Custody

The card is custodial, drawing on a Wirex account, with a self-custody wallet and non-custodial version on the roadmap for 2026. Users who want to hold their own keys will need to wait for that phase or use the card as a spending layer while keeping long-term holdings elsewhere.

Card price by tier

• Standard: $0 a month, up to 1% cashback
• Premium: $11.99 a month, up to 3% cashback
• Elite: $34.99 a month, up to 8% cashback, metal card
• Issuance: free on all tiers
• Annual fee: none
• Card replacement: $10

Usage fees

• ATM withdrawals: free up to a regional monthly allowance, then 2%
• Regional ATM allowances: EEA €200, UK £200, Singapore and APAC S$200, Australia A$400
• FX: no FX fee on Premium and Elite, interbank rates up to limit on Standard
• Crypto conversion in-app: around 1%
• Top-up: free
• Inactivity fee: none

Do the paid tiers pay for themselves?

The maths is straightforward on the headline rates. Premium costs $11.99 a month and lifts cashback from 1% to 3% - the extra 2% covers the fee at $600 of monthly spending, so anyone spending more than that in eligible categories comes out ahead. Elite costs $34.99 for an extra 5% over Standard, which needs around $700 of monthly eligible spend to break even against Premium, or $875 against the free tier. Below those levels the free Standard card is the better deal - and because ATM withdrawals, transfers and categories like gambling earn nothing, the effective rate on total spending will be lower than the headline.