OobitOobit
74
Side-by-side card comparison
Oobit vs Spritz: fees, rewards and account setup
Oobit Card has the higher Overall Score by 12 points (74 vs 62). Oobit Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Spritz Card may still be the better personal fit.
Information checked Oct 6, 202657 official sources reviewed
01 · Make the first cut
Oobit Card is the better all-round starting point
Oobit Card has the higher Overall Score in this comparison. Spritz 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.
OverallOobit74Spritz62Higher score
CashbackOobit70Spritz34Higher score
TravelOobit55Spritz46Higher score
Funds controlOobit78Spritz62Higher score
Lowest feesOobit59Spritz44Higher score
TransfersOobit65Spritz64Higher score
Choose Oobit Card if cashback and travel matter most
Oobit 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.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
Choose Spritz Card if its day-to-day setup suits you
Spritz 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.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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
- Oobit74Spritz62
Oobit Card has the higher Overall Score by 12 points.
- Entry cost & FX
- Oobit$0 plan · Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice 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
- Oobit5% base · up to 10%Spritz0% base · up to 5%
Oobit Card has the higher published base cashback rate (5% vs 0%).
- Funds control
- OobitHybrid custodySpritzHybrid custody
Oobit Card and Spritz Card use the same hybrid custody setup.
- Everyday access
- OobitVirtual · Apple Pay, Google PaySpritzVirtual + Physical · Apple Pay, Google Pay
Spritz Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Oobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payoutSpritz0 stablecoins · Wallet-to-bank Off-Ramp
Oobit Card lists more stablecoins and ways to send money out (6 vs 1).
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
- 5%-10%
- Plan cost
- $0
- FX fee
- Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 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
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
CardsOobit CardOverall74Spritz CardOverall62
Oobit CardOverall74Spritz CardOverall62Scores
6 fields- Overall Score
- Oobit Card74Spritz Card62
- Cashback score
- Oobit Card70Spritz Card34
- Travel score
- Oobit Card55Spritz Card46
- Funds control score
- Oobit Card78Spritz Card62
- Lowest fees score
- Oobit Card59Spritz Card44
- Transfers score
- Oobit Card65Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Oobit CardConnected-wallet spending, Phone wallets and contactless ATMSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Oobit CardEvery payment carries a provider fee, Physical card is unclearSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Oobit Card$0Spritz Card$0
- FX fee
- Oobit CardUp to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twiceSpritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by routeSpritz Card1–3%
- Card spending fee
- Oobit Card$0.25 + 1%Spritz Card0%
- ATM fee
- Oobit Card2.5% Oobit fee plus any contactless ATM operator surchargeSpritz CardNot disclosed
- Virtual card
- Oobit CardFreeSpritz CardNot disclosed
- Physical card
- Oobit CardNot disclosedSpritz CardNot disclosed
Plans
2 fields- Available plans
- Oobit CardNot disclosedSpritz CardNot disclosed
- Top cashback plan
- Oobit CardNot disclosedSpritz CardNot disclosed
Everyday use
8 fields- Network
- Oobit CardVisaSpritz CardVisa
- Card formats
- Oobit CardVirtualSpritz CardVirtual, Physical
- ATM withdrawals
- Oobit CardAvailableSpritz CardNot disclosed
- Mobile wallets
- Oobit CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Oobit CardiOS, AndroidSpritz CardiOS
- Daily spending limit
- Oobit Card$10,000 daily card-spend limit; account-specific controls may be lowerSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Oobit CardNo universal monthly card-spend limit publishedSpritz CardNot disclosed
- ATM limit
- Oobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hoursSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Oobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, ArbitrumSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Oobit CardNot disclosedSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Oobit CardNot disclosedSpritz CardNot disclosed
- Transfers
- Oobit CardOobit Pay Friends; Crypto-to-bank payoutSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Oobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4Spritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Oobit Card5%Spritz Card0%
- Max cashback
- Oobit Card10%Spritz Card5%
- Reward currency
- Oobit CardStablecoin rewards or OOB tokenSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Oobit CardNot offeredSpritz CardNot offered
- How it works
- Oobit CardNot offeredSpritz CardNot offered
- Separate deposit
- Oobit CardNot offeredSpritz CardNot offered
- Use balance for spending
- Oobit CardNot offeredSpritz CardNot offered
- Lock-up
- Oobit CardNot offeredSpritz CardNot offered
Trust & availability
4 fields- Custody
- Oobit CardHybrid custodySpritz CardHybrid custody
- Control until payment
- Oobit CardYou keep controlSpritz CardProvider controls funds
- Card issuer
- Oobit CardThirdNationalSpritz CardNot disclosed
- Card processing
- Oobit CardNot disclosedSpritz CardRain
Sources
2 fields- Official sources
- Oobit Card16Spritz Card41
- Last reviewed
- Oobit CardOct 6, 2026Spritz CardAug 28, 2026
04 · The takeaway
Oobit Card is the stronger all-round choice
Oobit 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. Oobit Card has the higher published base cashback rate (5% vs 0%).
Spritz Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Oobit Card and Spritz Card use the same hybrid custody setup.
Oobit Card lists more stablecoins and ways to send money out (6 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 Oobit Card and Spritz Card reviews first.
Continue with
Oobit Card
Continue with
Spritz Card
05 · Common questions
Oobit vs Spritz FAQ
Is Oobit or Spritz better overall?
Oobit 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, Oobit 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, Oobit or Spritz?
Oobit Card has the higher published base cashback rate (5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Oobit and Spritz differ on custody?
Oobit Card and Spritz Card use the same hybrid custody setup.
How current is this Oobit vs Spritz comparison?
The latest information check for these two cards was October 6, 2026, using 57 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.