KrakKrak
74
Side-by-side card comparison
Krak vs Bleap: fees, rewards and account setup
Bleap Card has the higher Overall Score by 20 points (94 vs 74). Bleap Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Krak Card may still be the better personal fit.
Information checked Aug 27, 202654 official sources reviewed
01 · Make the first cut
Bleap Card is the better all-round starting point
Bleap Card has the higher Overall Score in this comparison. Krak Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallKrak74Bleap94Higher score
CashbackKrak40Bleap74Higher score
TravelKrak83Bleap100Higher score
Funds controlKrak56Bleap100Higher score
Lowest feesKrak72Bleap95Higher score
TransfersKrak97Bleap100Higher score
Choose Krak Card if its day-to-day setup suits you
Krak Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- No monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
Choose Bleap Card if cashback and travel matter most
Bleap Card comes out ahead for Cashback, Travel, Funds control, 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.
- Self-custody with an independent exit
- Core card fees are listed at zero
- Both card formats and phone wallets
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Krak74Bleap94
Bleap Card has the higher Overall Score by 20 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXBleap$0 plan · Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply FX
Bleap Card has the lower published FX fee (Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply vs 0–1%).
- Purchase rewards
- Krak0% base · up to 2%Bleap1% base · up to 20%
Bleap Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- KrakCustodial balanceBleapSelf-controlled wallet
Krak Card uses a custodial balance setup, while Bleap Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- KrakVirtual + Physical · Apple Pay, Google PayBleapVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Krak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPABleap3 stablecoins · Stablecoin transfers; Bank transfer in, Bank cash-out
Both cards list the same number of stablecoins and ways to send money out.
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0% Krak fee; ATM operator may charge
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 3 fiat
- Payout methods
- 1 crypto · 2 fiat
- Cashback
- 1%-20%
- Plan cost
- $0
- FX fee
- Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply
- ATM fee
- Bleap fee: €0; up to 3 withdrawals and €400 per month; ATM operator surcharge can apply
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsKrak CardOverall74Bleap CardOverall94
Krak CardOverall74Bleap CardOverall94Scores
6 fields- Overall Score
- Krak Card74Bleap Card94
- Cashback score
- Krak Card40Bleap Card74
- Travel score
- Krak Card83Bleap Card100
- Funds control score
- Krak Card56Bleap Card100
- Lowest fees score
- Krak Card72Bleap Card95
- Transfers score
- Krak Card97Bleap Card100
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsBleap CardSelf-custody with an independent exit, Core card fees are listed at zero
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceBleap CardRollout remains account-gated, High cashback is category-specific
Costs
7 fields- Plan cost
- Krak Card$0Bleap Card$0
- FX fee
- Krak Card0–1%Bleap CardBleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply
- Top-up fee
- Krak CardNot disclosedBleap CardSEPA buy processing: 0%; other funding routes can include a spread or external network cost
- Card spending fee
- Krak Card0%Bleap Card0%
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeBleap CardBleap fee: €0; up to 3 withdrawals and €400 per month; ATM operator surcharge can apply
- Virtual card
- Krak CardFreeBleap Card€0
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Bleap Card€0 issuance; €0 delivery
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Bleap CardNot disclosed
- Top cashback plan
- Krak CardMax: 2%Bleap CardNot disclosed
Everyday use
8 fields- Network
- Krak CardMastercard/VisaBleap CardMastercard
- Card formats
- Krak CardVirtual, PhysicalBleap CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableBleap CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayBleap CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidBleap CardiOS, Android
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayBleap Card€15,000/day; €10,000 per transaction
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthBleap Card€30,000 rolling month
- ATM limit
- Krak CardUK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/monthBleap Card3 withdrawals and €400 per month
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedBleap CardBase, Arbitrum, Solana
- Crypto deposits
- Krak CardOther crypto: Supported cryptoBleap CardStablecoins: USDC, EURE, USDT
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferBleap CardManual bank transfer
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPABleap CardStablecoin transfers; Bank transfer in, Bank cash-out
- Payout currencies
- Krak CardGBP, EURBleap CardEUR, MXN
Rewards
3 fields- Base cashback
- Krak Card0%Bleap Card1%
- Max cashback
- Krak Card2%Bleap Card20%
- Reward currency
- Krak CardGBP, EUR, USD or BTCBleap CardUSDC
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYBleap CardNot disclosed
- How it works
- Krak CardOptional earn vaultBleap CardOptional earn vault
- Separate deposit
- Krak CardYesBleap CardYes
- Use balance for spending
- Krak CardNoBleap CardNot disclosed
- Lock-up
- Krak CardNot disclosedBleap CardNo
Trust & availability
5 fields- Custody
- Krak CardCustodialBleap CardSelf-custody
- Control until payment
- Krak CardProvider controls fundsBleap CardYou keep control
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateBleap CardUnlimit EU Ltd
- Card processing
- Krak CardStripeBleap CardNot disclosed
- Programme operator
- Krak CardPayward Wallet, Inc.Bleap CardNot disclosed
Sources
2 fields- Official sources
- Krak Card26Bleap Card28
- Last reviewed
- Krak CardAug 27, 2026Bleap CardAug 10, 2026
04 · The takeaway
Bleap Card is the stronger all-round choice
Bleap Card finishes ahead with an Overall Score of 94 versus 74 for Krak Card. Bleap Card has the lower published FX fee (Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply vs 0–1%). Bleap Card has the higher published base cashback rate (1% vs 0%).
Krak Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Krak Card uses a custodial balance setup, while Bleap Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Krak Card and Bleap Card reviews first.
Continue with
Krak Card
Continue with
Bleap Card
05 · Common questions
Krak vs Bleap FAQ
Is Krak or Bleap better overall?
Bleap Card has the higher Overall Score (94 vs 74). 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, Krak or Bleap?
Bleap Card has the lower published FX fee (Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply vs 0–1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Krak or Bleap?
Bleap Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Krak and Bleap differ on custody?
Krak Card uses a custodial balance setup, while Bleap Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Krak vs Bleap comparison?
The latest information check for these two cards was August 27, 2026, using 54 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.