MPChatMPChat
52
Side-by-side card comparison
MPChat vs Spritz
Spritz Card has the higher Overall Score by 10 points (62 vs 52). MPChat Card looks stronger for Travel and Lowest fees, while Spritz Card comes out ahead for Cashback, Funds control, and Transfers.
Latest check Nov 12, 202671 official sources reviewed
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
Before you choose
- Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
- Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
Spritz Card
Best fit
- Funding a separate USD card balance from a connected crypto wallet.
- Virtual-card applicants across the published 154-country residence list.
- Using Spritz wallet-to-bank payouts separately from card spending.
Before you choose
- Loaded card funds cannot be transferred out; bank off-ramp uses your wallet.
- Card loads cost 1–3% by route, with a $2 minimum or $5 for Bitcoin.
- 5% rewards require a qualifying three-day Shopping Spree and eligible categories.
Fees & features
Compare the details
CardsMPChat CardOverall52Spritz CardOverall62
MPChat CardOverall52Spritz CardOverall62Scores
- Overall Score
- MPChat Card52Spritz Card62
- Cashback score
- MPChat Card18Spritz Card34
- Travel score
- MPChat Card72Spritz Card46
- Funds control score
- MPChat Card41Spritz Card62
- Lowest fees score
- MPChat Card60Spritz Card44
- Transfers score
- MPChat Card58Spritz Card64
Costs
- Plan cost
- MPChat Card$0Spritz Card$0
- FX fee
- MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separateSpritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardSpritz Card1–3%
- Card spending fee
- MPChat Card$0.10 + 0.8%Spritz Card0%
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessSpritz CardNot disclosed
- Virtual card
- MPChat CardCloud: 10 USDT one timeSpritz CardNot disclosed
- Physical card
- MPChat CardBoundless: 100 USDT one timeSpritz CardNot disclosed
Plans & rewards
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardSpritz CardNot disclosed
- Top cashback plan
- MPChat CardNot disclosedSpritz CardNot disclosed
- Base cashback
- MPChat CardNot disclosedSpritz Card0%
- Max cashback
- MPChat CardNot disclosedSpritz Card5%
- Reward currency
- MPChat CardNot disclosedSpritz CardSpritz Credits
Everyday use
- Network
- MPChat CardVisaSpritz CardVisa
- Card formats
- MPChat CardVirtual, PhysicalSpritz CardVirtual, Physical
- ATM withdrawals
- MPChat CardAvailableSpritz CardNot disclosed
- Mobile wallets
- MPChat CardGoogle PaySpritz CardApple Pay, Google Pay
- Apps
- MPChat CardNot disclosedSpritz CardiOS
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerSpritz CardNot disclosed
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlySpritz CardNot verified for the current no-PIN card
Funding & transfers
- Networks
- MPChat CardTron (TRC20)Spritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- MPChat CardStablecoins: USDTSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- MPChat CardNot disclosedSpritz CardNot disclosed
- Transfers
- MPChat CardStablecoin transfersSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- MPChat CardNot disclosedSpritz CardUSD, CAD, GBP, EUR
Earn
- Advertised APY
- MPChat CardNot offeredSpritz CardNot offered
- How it works
- MPChat CardNot offeredSpritz CardNot offered
- Separate deposit
- MPChat CardNot offeredSpritz CardNot offered
- Use balance for spending
- MPChat CardNot offeredSpritz CardNot offered
- Lock-up
- MPChat CardNot offeredSpritz CardNot offered
Trust & availability
- Custody
- MPChat CardCustodialSpritz CardHybrid custody
- Control until payment
- MPChat CardProvider controls fundsSpritz CardProvider controls funds
- Card processing
- MPChat CardNot disclosedSpritz CardRain
Sign-up Offers
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
Spritz Card
No active signup offer listed.
Choosing between these cards
When to choose MPChat or Spritz
Using an exchange account
Spritz does not require a centralised-exchange account; MPChat does. Consider MPChat if you already want to use that exchange, or Spritz if you want to avoid that account requirement.
Matching the card to your plans
MPChat: MPChat Pay users allocating USDT to a separate Visa spending balance. Spritz: Funding a separate USD card balance from a connected crypto wallet.
Common questions
MPChat vs Spritz FAQ
Is MPChat or Spritz better overall?
Spritz Card has the higher Overall Score (62 vs 52). 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, MPChat 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, MPChat or Spritz?
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 MPChat and Spritz differ on custody?
MPChat 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 MPChat vs Spritz comparison?
The latest information check for these two cards was November 12, 2026, using 71 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.