KrakKrak
74
Side-by-side card comparison
Krak vs Fuse: same score, different trade-offs
Krak Card and Fuse Card share an Overall Score of 74. Krak Card looks stronger for Cashback and Travel, while Fuse Card comes out ahead for Funds control and Lowest fees.
Information checked Aug 27, 202641 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Krak Card and Fuse Card have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallKrak74Fuse74Same score
CashbackKrak40Fuse25Higher score
TravelKrak83Fuse65Higher score
Funds controlKrak56Fuse91Higher score
Lowest feesKrak72Fuse93Higher score
TransfersKrak97Fuse97Same score
Choose Krak Card if cashback and travel matter most
Krak Card comes out ahead for Cashback and Travel 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 Fuse Card if funds control and lowest fees matter most
Fuse Card comes out ahead for Funds control and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Separate USDC Card Account
- Apple Pay for in-person spend
- USD and EUR receive rails
Where the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Krak74Fuse74
Both cards have the same displayed Overall Score of 74.
- Entry cost & FX
- Krak$0 plan · 0–1% FXFuse$0 plan · 0% FX
Fuse Card has the lower published FX fee (0% vs 0–1%).
- Purchase rewards
- Krak0% base · up to 2%Fuse0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- KrakCustodial balanceFuseSelf-controlled wallet
Krak Card uses a custodial balance setup, while Fuse 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 PayFuseVirtual · Apple Pay
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 SEPAFuse1 stablecoin · Stablecoin transfers; ACH / SEPA bank transfers
Krak Card lists more stablecoins and ways to send money out (5 vs 3).
02 · Read the shortlist
A closer look at the tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- 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
- 0%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 3 crypto · 2 fiat
- Payout methods
- 1 crypto · 2 fiat
03 · Compare the details
Put 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 CardOverall74Fuse CardOverall74
Krak CardOverall74Fuse CardOverall74Scores
6 fields- Overall Score
- Krak Card74Fuse Card74
- Cashback score
- Krak Card40Fuse Card25
- Travel score
- Krak Card83Fuse Card65
- Funds control score
- Krak Card56Fuse Card91
- Lowest fees score
- Krak Card72Fuse Card93
- Transfers score
- Krak Card97Fuse Card97
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsFuse CardSeparate USDC Card Account, Apple Pay for in-person spend
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceFuse CardiOS and virtual-only access, Receive rails convert incoming fiat
Costs
7 fields- Plan cost
- Krak Card$0Fuse Card$0
- FX fee
- Krak Card0–1%Fuse Card0%
- Top-up fee
- Krak CardNot disclosedFuse Card0%
- Card spending fee
- Krak Card0%Fuse Card0%
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeFuse CardNot available
- Virtual card
- Krak CardFreeFuse CardVirtual card purchase $0 after Bridge KYC
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Fuse CardNot available in captured Fuse support page
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Fuse Card1 plans: Fuse Plus
- Top cashback plan
- Krak CardMax: 2%Fuse CardNot disclosed
Everyday use
8 fields- Network
- Krak CardMastercard/VisaFuse CardVisa
- Card formats
- Krak CardVirtual, PhysicalFuse CardVirtual
- ATM withdrawals
- Krak CardAvailableFuse CardNot available
- Mobile wallets
- Krak CardApple Pay, Google PayFuse CardApple Pay
- Apps
- Krak CardiOS, AndroidFuse CardiOS
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayFuse Card$2,000/day; $2,000/transaction
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthFuse CardMonthly cap not disclosed; daily and transaction caps are approved
- 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/monthFuse CardNot available
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedFuse CardSolana
- Crypto deposits
- Krak CardOther crypto: Supported cryptoFuse CardStablecoins: USDC; Other crypto: SOL, SPL tokens
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferFuse CardUSD virtual bank account, EUR virtual bank account
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPAFuse CardStablecoin transfers; ACH / SEPA bank transfers
- Payout currencies
- Krak CardGBP, EURFuse CardUSD, EUR
Rewards
3 fields- Base cashback
- Krak Card0%Fuse Card0%
- Max cashback
- Krak Card2%Fuse Card0%
- Reward currency
- Krak CardGBP, EUR, USD or BTCFuse CardNo cashback
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYFuse CardNot disclosed
- How it works
- Krak CardOptional earn vaultFuse CardOptional earn vault
- Separate deposit
- Krak CardYesFuse CardYes
- Use balance for spending
- Krak CardNoFuse CardNo
- Lock-up
- Krak CardNot disclosedFuse CardNot disclosed
Trust & availability
5 fields- Custody
- Krak CardCustodialFuse CardSelf-custody
- Control until payment
- Krak CardProvider controls fundsFuse CardYou keep control
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateFuse CardLead Bank
- Card processing
- Krak CardStripeFuse CardBridge Ventures LLC, Squads Labs
- Programme operator
- Krak CardPayward Wallet, Inc.Fuse CardBridge Ventures LLC
Sources
2 fields- Official sources
- Krak Card26Fuse Card15
- Last reviewed
- Krak CardAug 27, 2026Fuse CardAug 12, 2026
04 · The closer call
Krak Card and Fuse Card need a closer personal call
The Overall Score ends level at 74, so there is no honest all-round winner here. Fuse Card has the lower published FX fee (0% vs 0–1%). Both cards show the same base cashback rate of 0%.
Krak Card looks stronger for Cashback and Travel, while Fuse Card comes out ahead for Funds control and Lowest fees. Krak Card uses a custodial balance setup, while Fuse Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Krak Card lists more stablecoins and ways to send money out (5 vs 3). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
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 Fuse Card reviews first.
Continue with
Krak Card
Continue with
Fuse Card
05 · Common questions
Krak vs Fuse FAQ
Is Krak or Fuse better overall?
Krak Card and Fuse Card tie at 74 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, Krak or Fuse?
Fuse Card has the lower published FX fee (0% 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 Fuse?
Both cards show the same base cashback rate of 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 Fuse differ on custody?
Krak Card uses a custodial balance setup, while Fuse 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 Fuse comparison?
The latest information check for these two cards was August 27, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.