Pros
- ✓No foreign transaction fees
- ✓No annual fee
Cons
- ✗No purchase protection
Our Review
With the Wise Card, a no-annual-fee card, you can hold and exchange over 40 currencies directly in your Wise account.
With the Wise Card, you can spend freely in over 150 countries and withdraw cash from 2.3 million ATMs. You get 2 free monthly ATM withdrawals.
You can also take advantage of currency conversions at market exchange rates, with transparent, low fees. These fees will be much lower than those your credit card charges (generally 2.5% of the transaction).
You can manage your account easily with the Wise application. Moreover, you can manage your card with complete peace of mind by freezing and thawing it instantly. The automatic currency conversion feature ensures that you always pay the lowest possible fees when using currencies not held on your account.
Keep an eye on your currency balances within the app and receive instant notifications for added security. As a debit card, the Wise Card helps you manage your budget without accumulating debt or incurring credit charges. Opt for the Wise Card and optimize your finances on a daily basis or when you travel abroad!
Rewards
All Spending
1x
pts per dollar
Terms & Conditions
Card Features
- No annual fee
- Hold and exchange 40+ currencies in your Wise account
- Spend money in over 150 countries, withdraw cash from 2.3 million ATMs.
- Convert currencies with market exchange rates and transparent, low fees.
- View and manage your account in the Wise app
- Freeze and unfreeze your card instantly
- Spend any currency you hold in the account for free when you have enough balance
- The automatic conversion feature ensures that you always pay the lowest possible charges when you spend currencies you don’t have in your account.
- Check your currency balances in the app – and get instant transaction notifications for security
- It’s a debit card, not a credit card – easier to manage your budget without running up debts or incurring credit charges
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Wise. All trademarks are property of their respective owners.