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Updated for August 2026

Crypto.com vs Wealthsimple Card

Two no-fee crypto cards, head to head. Here’s how they stack up.

Crypto.com#1
VisaPrepaid
•••• ••••
Cashback
5%
Monthly fee
None
Our score
2.2
Get Crypto.com
Wealthsimple Card#2
MastercardPrepaid
Wealthsimple Card card
Cashback
Up to 1%
Monthly fee
None
Our score
3
Get Wealthsimple Card

The bottom line

Choose Crypto.com if…

you want the highest cashback in this matchup — earn 5% back on everyday spend.

5% cashbackNo monthly fee2.2★ rating

Choose Wealthsimple Card if…

you want our top-rated pick here — it scores 3/5 with our editors.

Up to 1% cashbackNo monthly fee3★ rating
3 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.Wealthsimple Card logoWealthsimple Card

All about Crypto.com Obsidian

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Wealthsimple Card

Wealthsimple Card card
Get Wealthsimple Card

Main perks

Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
Monthly feeNone
CashbackUp to 1%
FX fee0%
Savings0.0
ATM feeNone
Currencies57
Supported countries1
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Bonus offers

No current bonus offer.

25 CAD bonus

—

Rewards

Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
Cashback rate1% on all purchases
Monthly cashback cap1,500 CAD spend
Cashback in crypto
Cashback auto-invested in crypto
Welcome bonus25 CAD
Staking required for rewards
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Pros

  • 5% back in CRO with no monthly cap
  • Permanent Spotify, Netflix and Truth+ rebates
  • Lounge access with a guest
  • Exclusive F1, UFC and football invitations
  • Voice and messaging support
  • 0% foreign exchange fee
  • No monthly fee
  • Free ATM withdrawals
  • High 1,500 CAD cashback cap
  • Cashback payable in crypto
—

Cons

  • Requires a €450,000 CRO stake
  • No subscription alternative
  • CRO locked for twelve months
  • Heavy exposure to CRO price movement
  • Rewards paid in CRO only
  • Custodial
  • Canada only
  • 3% crypto conversion cost
  • No physical card
  • No virtual card
  • Manual preload, no auto-conversion
  • KYC required
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Options to Crypto.com

CardTypeAnnual feeRewardsScore
B logoBleap CardDebit$0Up to 20%4.4View cardB logoBybit CardCrypto$0Up to 10%4.3View cardP logoPlutus CardDebit$0Up to 9%2.7View cardB logoBit2Me CardDebit$0Up to 9%3.9View card