KrakKrak
74
Side-by-side card comparison
Krak vs Coinbase: fees, rewards and account setup
Krak Card has the higher Overall Score by 9 points (74 vs 65). Krak Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Coinbase Card may still be the better personal fit.
Information checked Aug 30, 202648 official sources reviewed
01 · Make the first cut
Krak Card is the better all-round starting point
Krak Card has the higher Overall Score in this comparison. Coinbase 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.
OverallKrak74Coinbase65Higher score
CashbackKrak40Coinbase37Higher score
TravelKrak83Coinbase62Higher score
Funds controlKrak56Coinbase48Higher score
Lowest feesKrak72Coinbase55Higher score
TransfersKrak97Coinbase84Higher score
Choose Krak Card if cashback and travel matter most
Krak 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.
- No monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
Choose Coinbase Card if its day-to-day setup suits you
Coinbase 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.
- Virtual and physical Visa cards cover online, store and ATM use
- The U.S. schedule lists $0 card, monthly and Coinbase ATM fees
- Cash, USDC and supported crypto can fund the same card flow
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
- Krak74Coinbase65
Krak Card has the higher Overall Score by 9 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXCoinbase$0 plan · U.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate 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
- Krak0% base · up to 2%CoinbaseNot disclosed
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- KrakCustodial balanceCoinbaseCustodial balance
Krak Card and Coinbase Card use the same custodial balance setup.
- Everyday access
- KrakVirtual + Physical · Apple Pay, Google PayCoinbaseVirtual + Physical · Unknown
Krak Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Krak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPACoinbase1 stablecoin · Stablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-out
Krak Card lists more stablecoins and ways to send money out (5 vs 4).
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
- Not disclosed
- Plan cost
- $0
- FX fee
- U.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate
- ATM fee
- U.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published here
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 1 crypto · 2 fiat
- Payout methods
- 1 crypto · 3 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 CardOverall74Coinbase CardOverall65
Krak CardOverall74Coinbase CardOverall65Scores
6 fields- Overall Score
- Krak Card74Coinbase Card65
- Cashback score
- Krak Card40Coinbase Card37
- Travel score
- Krak Card83Coinbase Card62
- Funds control score
- Krak Card56Coinbase Card48
- Lowest fees score
- Krak Card72Coinbase Card55
- Transfers score
- Krak Card97Coinbase Card84
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsCoinbase CardVirtual and physical Visa cards cover online, store and ATM use, The U.S. schedule lists $0 card, monthly and Coinbase ATM fees
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceCoinbase CardCrypto conversion includes a spread with no stable public rate, Rewards are U.S.-only and the current rate changes in the app
Costs
7 fields- Plan cost
- Krak Card$0Coinbase Card$0
- FX fee
- Krak Card0–1%Coinbase CardU.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate
- Top-up fee
- Krak CardNot disclosedCoinbase CardLinked-bank and payroll funding are marketed at $0; other Coinbase account funding routes were not reviewed for this card profile
- Card spending fee
- Krak Card0%Coinbase Card0%
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeCoinbase CardU.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published here
- Virtual card
- Krak CardFreeCoinbase CardNot disclosed
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Coinbase CardNot disclosed
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Coinbase CardNot disclosed
- Top cashback plan
- Krak CardMax: 2%Coinbase CardNot disclosed
Everyday use
8 fields- Network
- Krak CardMastercard/VisaCoinbase CardVisa
- Card formats
- Krak CardVirtual, PhysicalCoinbase CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableCoinbase CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayCoinbase CardNot disclosed
- Apps
- Krak CardiOS, AndroidCoinbase CardiOS, Android
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayCoinbase Card$2,500 per 24 hours in the U.S. programme
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthCoinbase CardU.S. monthly spend limit not published; U.K./EEA limits are customer-specific
- 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/monthCoinbase Card$1,000 per 24 hours in the U.S.; U.K./EEA values are shown in app
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedCoinbase CardCoinbase-supported networks
- Crypto deposits
- Krak CardOther crypto: Supported cryptoCoinbase CardOther crypto: Supported crypto
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferCoinbase CardLinked bank account, Payroll deposit
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPACoinbase CardStablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-out
- Payout currencies
- Krak CardGBP, EURCoinbase CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Krak Card0%Coinbase CardNot disclosed
- Max cashback
- Krak Card2%Coinbase CardNot disclosed
- Reward currency
- Krak CardGBP, EUR, USD or BTCCoinbase CardSelected crypto offer
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYCoinbase CardNot offered
- How it works
- Krak CardOptional earn vaultCoinbase CardNot offered
- Separate deposit
- Krak CardYesCoinbase CardNot offered
- Use balance for spending
- Krak CardNoCoinbase CardNot offered
- Lock-up
- Krak CardNot disclosedCoinbase CardNot offered
Trust & availability
5 fields- Custody
- Krak CardCustodialCoinbase CardCustodial
- Control until payment
- Krak CardProvider controls fundsCoinbase CardProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateCoinbase CardPathward, N.A., Paysafe Financial Services Limited, Paysafe Payment Solutions Limited
- Card processing
- Krak CardStripeCoinbase CardMarqeta, Inc.
- Programme operator
- Krak CardPayward Wallet, Inc.Coinbase CardNot disclosed
Sources
2 fields- Official sources
- Krak Card26Coinbase Card22
- Last reviewed
- Krak CardAug 27, 2026Coinbase CardAug 30, 2026
04 · The takeaway
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 65 for Coinbase Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Coinbase Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Krak Card and Coinbase Card use the same custodial balance setup.
Krak Card lists more stablecoins and ways to send money out (5 vs 4). 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 Coinbase Card reviews first.
Continue with
Krak Card
Continue with
Coinbase Card
05 · Common questions
Krak vs Coinbase FAQ
Is Krak or Coinbase better overall?
Krak Card has the higher Overall Score (74 vs 65). 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 Coinbase?
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, Krak or Coinbase?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Krak and Coinbase differ on custody?
Krak Card and Coinbase Card use the same custodial balance setup.
How current is this Krak vs Coinbase comparison?
The latest information check for these two cards was August 30, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.