KrakKrak
74
Side-by-side card comparison
Krak vs Spritz: overall score versus use-case fit
Krak Card has the higher Overall Score by 12 points (74 vs 62). Krak Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Spritz Card comes out ahead for Funds control.
Information checked Aug 28, 202667 official sources reviewed
01 · Overall score versus use-case fit
Krak Card is the better all-round starting point
Krak Card has the higher Overall Score in this comparison. Spritz Card may be the better fit for Funds control. 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.
OverallKrak74Spritz62Higher score
CashbackKrak40Spritz34Higher score
TravelKrak83Spritz46Higher score
Funds controlKrak56Spritz62Higher score
Lowest feesKrak72Spritz44Higher score
TransfersKrak97Spritz64Higher score
Choose Krak Card if cashback and travel matter most
Krak Card comes out ahead for Cashback, Travel, 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 Spritz Card if funds control matters most
Spritz Card comes out ahead for 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
- Krak74Spritz62
Krak Card has the higher Overall Score by 12 points.
- Entry cost & FX
- Krak$0 plan · 0–1% 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
- Krak0% base · up to 2%Spritz0% base · up to 5%
Both cards show the same base cashback rate of 0%.
- Funds control
- KrakCustodial balanceSpritzHybrid custody
Krak 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
- KrakVirtual + Physical · Apple Pay, Google PaySpritzVirtual + 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 SEPASpritz0 stablecoins · Wallet-to-bank Off-Ramp
Krak 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
- 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%-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
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
CardsKrak CardOverall74Spritz CardOverall62
Krak CardOverall74Spritz CardOverall62Scores
6 fields- Overall Score
- Krak Card74Spritz Card62
- Cashback score
- Krak Card40Spritz Card34
- Travel score
- Krak Card83Spritz Card46
- Funds control score
- Krak Card56Spritz Card62
- Lowest fees score
- Krak Card72Spritz Card44
- Transfers score
- Krak Card97Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Krak Card$0Spritz Card$0
- FX fee
- Krak Card0–1%Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Krak CardNot disclosedSpritz Card1–3%
- Card spending fee
- Krak Card0%Spritz Card0%
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeSpritz CardNot disclosed
- Virtual card
- Krak CardFreeSpritz CardNot disclosed
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Spritz CardNot disclosed
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Spritz CardNot disclosed
- Top cashback plan
- Krak CardMax: 2%Spritz CardNot disclosed
Everyday use
8 fields- Network
- Krak CardMastercard/VisaSpritz CardVisa
- Card formats
- Krak CardVirtual, PhysicalSpritz CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableSpritz CardNot disclosed
- Mobile wallets
- Krak CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidSpritz CardiOS
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/daySpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthSpritz CardNot disclosed
- 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/monthSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Krak CardOther crypto: Supported cryptoSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferSpritz CardNot disclosed
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPASpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Krak CardGBP, EURSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Krak Card0%Spritz Card0%
- Max cashback
- Krak Card2%Spritz Card5%
- Reward currency
- Krak CardGBP, EUR, USD or BTCSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYSpritz CardNot offered
- How it works
- Krak CardOptional earn vaultSpritz CardNot offered
- Separate deposit
- Krak CardYesSpritz CardNot offered
- Use balance for spending
- Krak CardNoSpritz CardNot offered
- Lock-up
- Krak CardNot disclosedSpritz CardNot offered
Trust & availability
5 fields- Custody
- Krak CardCustodialSpritz CardHybrid custody
- Control until payment
- Krak CardProvider controls fundsSpritz CardProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateSpritz CardNot disclosed
- Card processing
- Krak CardStripeSpritz CardRain
- Programme operator
- Krak CardPayward Wallet, Inc.Spritz CardNot disclosed
Sources
2 fields- Official sources
- Krak Card26Spritz Card41
- Last reviewed
- Krak CardAug 27, 2026Spritz CardAug 28, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 62 for Spritz Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Spritz Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Krak 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.
Krak 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 Krak Card and Spritz Card reviews first.
Continue with
Krak Card
Continue with
Spritz Card
05 · Common questions
Krak vs Spritz FAQ
Is Krak or Spritz better overall?
Krak Card has the higher Overall Score (74 vs 62). 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 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, Krak or Spritz?
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 Spritz differ on custody?
Krak 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 Krak vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 67 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.