BinanceBinance
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Side-by-side card comparison
Binance vs Spritz: overall score versus use-case fit
Spritz Card has the higher Overall Score by 4 points (62 vs 58). Binance Card looks stronger for Cashback, Lowest fees, and Transfers, while Spritz Card comes out ahead for Travel and Funds control.
Information checked Aug 28, 202653 official sources reviewed
01 · Overall score versus use-case fit
Spritz Card is the better all-round starting point
Spritz Card has the higher Overall Score in this comparison. Binance Card may be the better fit for Cashback, Lowest fees, and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallBinance58Spritz62Higher score
CashbackBinance37Spritz34Higher score
TravelBinance36Spritz46Higher score
Funds controlBinance47Spritz62Higher score
Lowest feesBinance56Spritz44Higher score
TransfersBinance75Spritz64Higher score
Choose Binance Card if cashback and lowest fees matter most
Binance Card comes out ahead for Cashback, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend supported Binance crypto balances
- Google Pay support
- Cashback can rise by tier
Choose Spritz Card if travel and funds control matter most
Spritz Card comes out ahead for Travel and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Binance58Spritz62
Spritz Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Binance$0 plan · 2–3% FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Binance1.5% base · up to 3%Spritz0% base · up to 5%
Binance Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- BinanceCustodial balanceSpritzHybrid custody
Binance Card uses a custodial balance setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- BinanceVirtual · Google PaySpritzVirtual + Physical · Apple Pay, Google Pay
Spritz Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Binance3 stablecoins · Stablecoin transfers; Binance account fiat withdrawalSpritz0 stablecoins · Wallet-to-bank Off-Ramp
Binance Card lists more stablecoins and ways to send money out (5 vs 1).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 2–3%
- ATM fee
- Not disclosed
- Card formats
- Virtual
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 fiat
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03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsBinance CardOverall58Spritz CardOverall62
Binance CardOverall58Spritz CardOverall62Scores
6 fields- Overall Score
- Binance Card58Spritz Card62
- Cashback score
- Binance Card37Spritz Card34
- Travel score
- Binance Card36Spritz Card46
- Funds control score
- Binance Card47Spritz Card62
- Lowest fees score
- Binance Card56Spritz Card44
- Transfers score
- Binance Card75Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Binance CardSpend supported Binance crypto balances, Google Pay supportSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Binance CardSpending follows the Binance account model, Virtual-only cardSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Binance Card$0Spritz Card$0
- FX fee
- Binance Card2–3%Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Binance CardNot disclosedSpritz Card1–3%
- Card spending fee
- Binance CardNot disclosedSpritz Card0%
- ATM fee
- Binance CardNot disclosedSpritz CardNot disclosed
- Virtual card
- Binance CardVirtual card up to 15 minutes after approval; 0 USD issuance feeSpritz CardNot disclosed
- Physical card
- Binance CardGlobal Program virtual-only; Brazil physical card is a separate regional branchSpritz CardNot disclosed
Plans
2 fields- Available plans
- Binance Card3 plans: Tier 1, Tier 2, Tier 3Spritz CardNot disclosed
- Top cashback plan
- Binance CardTier 3: 3%Spritz CardNot disclosed
Everyday use
8 fields- Network
- Binance CardMastercardSpritz CardVisa
- Card formats
- Binance CardVirtualSpritz CardVirtual, Physical
- ATM withdrawals
- Binance CardNot disclosedSpritz CardNot disclosed
- Mobile wallets
- Binance CardGoogle PaySpritz CardApple Pay, Google Pay
- Apps
- Binance CardiOS, AndroidSpritz CardiOS
- Daily spending limit
- Binance CardShown in appSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Binance CardShown in appSpritz CardNot disclosed
- ATM limit
- Binance CardNot disclosedSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Binance CardNot disclosedSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Binance CardOther crypto: Supported cryptoSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Binance CardBinance account bank depositSpritz CardNot disclosed
- Transfers
- Binance CardStablecoin transfers; Binance account fiat withdrawalSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Binance CardNot disclosedSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Binance Card1.5%Spritz Card0%
- Max cashback
- Binance Card3%Spritz Card5%
- Reward currency
- Binance CardUSDC or BTC equivalent cashback (country-dependent)Spritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Binance CardNot offeredSpritz CardNot offered
- How it works
- Binance CardNot offeredSpritz CardNot offered
- Separate deposit
- Binance CardNot offeredSpritz CardNot offered
- Use balance for spending
- Binance CardNot offeredSpritz CardNot offered
- Lock-up
- Binance CardNot offeredSpritz CardNot offered
Trust & availability
4 fields- Custody
- Binance CardCustodialSpritz CardHybrid custody
- Control until payment
- Binance CardProvider controls fundsSpritz CardProvider controls funds
- Card issuer
- Binance CardImmersve LimitedSpritz CardNot disclosed
- Card processing
- Binance CardNot disclosedSpritz CardRain
Sources
2 fields- Official sources
- Binance Card12Spritz Card41
- Last reviewed
- Binance CardAug 5, 2026Spritz CardAug 28, 2026
04 · The trade-off
Spritz Card is the stronger all-round choice
Spritz Card finishes ahead with an Overall Score of 62 versus 58 for Binance Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Binance Card has the higher published base cashback rate (1.5% vs 0%).
Binance Card still comes out ahead for Cashback, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Binance Card uses a custodial balance setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Binance Card lists more stablecoins and ways to send money out (5 vs 1). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Binance Card and Spritz Card reviews first.
Continue with
Binance Card
Continue with
Spritz Card
05 · Common questions
Binance vs Spritz FAQ
Is Binance or Spritz better overall?
Spritz Card has the higher Overall Score (62 vs 58). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Binance or Spritz?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Binance or Spritz?
Binance Card has the higher published base cashback rate (1.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Binance and Spritz differ on custody?
Binance Card uses a custodial balance setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Binance vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 53 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.