Main strengths
- Wallet-funded top-ups credit the USD card balance across 12 networks.
- The virtual Visa supports both Apple Pay and Google Pay after KYC.
- The reviewed virtual-card allowlist contains 154 countries.
Spritz Visa Signature: orange card frontStandard card design
Crypto-backed Visa credit card
Spritz Card
Spritz Card is a collateralized Visa funded from a self-custody wallet, with virtual access across the reviewed 154-country allowlist and a physical-card alpha restricted to the United States. Purchases can earn conditional Shopping Spree credits and Spritz Points, with Apple Pay and Google Pay for everyday use.
No CEXUS availableCategory rewardsFree base planPhysical cardGlobal-ish
Main trade-offs
- The current card has no PIN; ATM fees and limits remain unknown.
- The reviewed schedule runs from 1% to 3%, with route minimums.
- Rain is named as partner, but the licensed issuer is not disclosed.
01 · Core economics
Costs that matter
Spritz Card has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
ItemValueWhat it means
Monthly plan$0/moNo recurring monthly plan fee on the current entry offer
Cash funding1%1% base with a $2 minimum; reviewed route totals range from 1% to 3%, and Bitcoin has a $5 minimum. External network execution remains separate.
Foreign feesNot disclosedExact Spritz markup not disclosed; local exchange and conversion rates may apply.
Card spending0%No listed base spend fee
Limits and secondary feesLimits and other fees
ATM withdrawalNot confirmedNot disclosed
Daily card spendUnlimitedListed
Monthly card spendNot disclosedListed
ATM limitNot disclosedListed
Account deposit$5,000/transactionListed
02 · Rewards programme
Shopping Spree cashback and Spritz Points
Spritz has two separate reward mechanics: conditional Shopping Spree cashback paid in Spritz Credits and utility points earned per eligible card transaction.
Purchases outside the named categories earn 0%
Airlines, hotels, restaurants and travel agencies only; see the category schedule below
Spritz Credits
Programme-wide cashback-value cap; not eligible spend
Points programme
Spritz Points
Eligible card transactions earn Spritz Points independently from Shopping Spree cashback.
Per eligible card transaction
Programme points are non-transferable
Can remove up to $10 of eligible Spritz fees
Current card-boost redemption threshold
Current rate schedule
Cashback by spend category
The rate follows the eligible payment category or route rather than a membership tier. 5% applies only to Airlines, hotels, restaurants and travel agencies. Caps below limit eligible payment amount, not cashback value.
CategoryRateEligible purchases and cap
Airlines, hotels, restaurants and travel agencies5%
Requires a $200 first load, $1,500 second-load threshold and a qualifying three-day Shopping Spree.
Per eligible merchant: per merchant $400/transaction · per Shopping Spree $800/transactionCashback is credited shopping Spree credits settle in 2 to 5 business days in Spritz Credits. Merchant coding, programme exclusions, reversals and clawbacks still apply.
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsNot disclosed
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appNot disclosed
- Web appNot disclosed
Account rails
- Direct crypto top-upAvailable
- Card-balance transfer outNot supported
- Wallet-to-bank Off-RampAvailable separately
- Direct fiat card fundingNot confirmed
04 · Money in and out
How money enters, settles and leaves Spritz Finance
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive1 route
Crypto top-up
1 route
Crypto top-upTop up in the app with supported crypto; exact networks, fees, limits and balance-crediting behavior stay route-specific.Crypto top-upArbitrumAvalancheBaseBitcoin+8Fee1–3%SpeedVaries by railLimits$5,000 per card load; no published daily cap on the number of loadsAvailabilityNot confirmedDetails
Fee components
- 1% · transfer
- 3% · transfer
More assets, currencies or networks
BNB Chain, Dash, Ethereum, Optimism, Polygon, Solana, Sui, Tron
Access path
Direct card balance
Asset / network map
Crypto top-up: Arbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash, Ethereum, Optimism +4
Availability
Exact top-up assets, networks and regional availability are not publicly confirmed
Restrictions
The asset is selected in the Spritz flow.
Balance & conversionHybrid settlement
Funding and settlement cross wallet and provider-controlled account boundaries.
What happens on receipt
How a received asset reaches the spendable balance depends on the supported asset and account setup.
Money outWays to send, withdraw or settle1 route
Bank transfers & payouts
1 route
Wallet-to-bank Off-RampThis route starts from a connected wallet or exchange and pays a bank account.USDCADGBPEURFee0.5–1%SpeedUp to 3 business daysLimits$150,000 / dayAvailability4 payout currenciesDetails
Fee components
- 0.5% · transfer
- 1% · transfer
Access path
Via connected wallet
Availability
Eligible Spritz Off-Ramp markets; bank location, receiving currency and account verification requirements apply
Limit scope
US/Canada standard: $20,000 per transfer and $150,000 daily; EU/UK have no published fixed provider limit; no-set-limit beta is selected-users only
Restrictions
This route starts from a connected wallet or exchange and pays a bank account. It is not funded from the Spritz Card balance, which cannot be transferred out.
06 · Trust and eligibility
Where Spritz Finance is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
The complete supported-country list is shown below. Residence, identity documents and signup checks still apply.
Countries explicitly listed154 countries
American SamoaAndorraAngolaAnguillaAntarcticaAntigua and BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBarbadosBelgiumBelizeBeninBermudaBhutanBotswanaBrazilBruneiBulgariaBurundiCambodiaCanadaCayman IslandsChileChristmas IslandCocos (Keeling) IslandsColombiaComorosCook IslandsCosta RicaCote d'IvoireCroatiaCyprusCzechiaDenmarkDjiboutiDominicaDominican RepublicEl SalvadorEstoniaEswatiniFaroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuatemalaGuernseyGuyanaHoly SeeHondurasHong KongHungaryIcelandIrelandIsle of ManItalyJapanJerseyJordanKazakhstanKiribatiKosovoKuwaitKyrgyzstanLatviaLesothoLiberiaLiechtensteinLithuaniaLuxembourgMadagascarMalawiMalaysiaMaltaMartiniqueMauritaniaMauritiusMexicoMoldovaMongoliaMontenegroMontserratMoroccoNauruNetherlandsNew ZealandNiueNorwayOmanPanamaPapua New GuineaParaguayPolandPortugalQatarRomaniaRwandaSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint MaartenSlovakiaSloveniaSolomon IslandsSouth Georgia and the South Sandwich IslandsSouth KoreaSpainSri LankaSurinameSwedenSwitzerlandTaiwanTajikistanTanzaniaThailandTogoTongaTrinidad and TobagoTunisiaTurks and Caicos IslandsTuvaluUnited Arab EmiratesUnited KingdomUnited StatesUnited States Minor Outlying IslandsUruguayUzbekistanVanuatuVirgin Islands, BritishVirgin Islands, U.S.Western SaharaZambia
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productSpritz Finance
Provides the product and account experience. Named legal operators appear separately.
Custody controlSpritz Finance + programme partners
Controls settlement until payment. The loaded card balance is not FDIC insured; its exact legal custodian is not disclosed.
Hybrid custody · alternative safeguarding unknownCard processingRain
Supports card processing for the applicable programme.
Applies to: Spritz Card programme07 · Methodology
Why the score is 62
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
62/100
ModerateHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift91
Everyday usability
Visa spending includes virtual card, physical card, Apple Pay and Google Pay.
Additional support72
Availability & eligibility
The current virtual-card residence list is a complete 154-country allowlist. Physical cards remain a limited U.S. alpha in 30 named states and must not be inferred for other virtual-card countries; kyc is required.
Main constraint36
Rewards value
No general base cashback; 5% applies only to Airlines, hotels, restaurants and travel agencies and is paid in Spritz Credits.
08 · Evidence
Sources
41 sources41 officialChecked Aug 28, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Spritz Card supported countriesOfficial source ↗Spritz account verificationOfficial source ↗Spritz — off-ramp crypto to your bank and pay real billsOfficial source ↗Where Spritz works — supported countries and productsOfficial source ↗Spritz Terms and ConditionsOfficial source ↗Prohibited Customers & Activities PolicyOfficial source ↗
09 · Card comparison
How Spritz Card compares to others
A side-by-side look at cards built around wallet-based funding, everyday Visa access and money movement.
1 / 3
Current card
Spritz Card
Wallet-funded top-ups credit the USD card balance across 12 networks.
- Card
- Credit line Visa, Virtual + Physical
- Funds control
- Hybrid custody
- Cashback
- 0%–5%
- FX fee
- Not confirmed
- Apps
- iOS · Android + Web app not confirmed
- Transfers & payouts
- Bank transfers
- Funding routes
- Not confirmed
- Card
- Credit line Visa, Virtual + Physical
- Funds control
- Hybrid custody
- Cashback
- 0%–5%
- FX fee
- Up to 1%
- Apps
- iOS, Android · Web app not confirmed
- Transfers & payouts
- Crypto + Bank transfers
- Funding routes
- Not confirmed
- Card
- Credit line Visa, Virtual only
- Funds control
- Hybrid custody
- Cashback
- 0%
- FX fee
- 1.7% foreign-currency conversion
- Apps
- iOS, Android · Web app not confirmed
- Transfers & payouts
- Not confirmed
- Funding routes
- Not confirmed
Want a deeper comparison?
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