PayyPayy
62
Side-by-side card comparison
Payy vs Spritz: same score, different trade-offs
Payy Card and Spritz Card share an Overall Score of 62. Payy Card looks stronger for Funds control, Lowest fees, and Transfers, while Spritz Card comes out ahead for Cashback and Travel.
Information checked Aug 28, 202646 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Payy Card and Spritz 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.
OverallPayy62Spritz62Same score
CashbackPayy17Spritz34Higher score
TravelPayy27Spritz46Higher score
Funds controlPayy97Spritz62Higher score
Lowest feesPayy57Spritz44Higher score
TransfersPayy68Spritz64Higher score
Choose Payy Card if funds control and lowest fees matter most
Payy Card comes out ahead for 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.
- Self-custody wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
Choose Spritz Card if cashback and travel matter most
Spritz 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.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
Where the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Payy62Spritz62
Both cards have the same displayed Overall Score of 62.
- Entry cost & FX
- Payy$0 plan · 1–3% 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
- Payy0% cashbackSpritz0% base · up to 5%
Both cards show the same base cashback rate of 0%.
- Funds control
- PayySelf-controlled walletSpritzHybrid custody
Payy Card uses a self-controlled wallet 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
- PayyVirtual · Apple Pay, Google PaySpritzVirtual + Physical · Apple Pay, Google Pay
Spritz Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Payy1 stablecoin · Stablecoin transfers; Payy payment linksSpritz0 stablecoins · Wallet-to-bank Off-Ramp
Payy Card lists more stablecoins and ways to send money out (3 vs 1).
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%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 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
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
CardsPayy CardOverall62Spritz CardOverall62
Payy CardOverall62Spritz CardOverall62Scores
6 fields- Overall Score
- Payy Card62Spritz Card62
- Cashback score
- Payy Card17Spritz Card34
- Travel score
- Payy Card27Spritz Card46
- Funds control score
- Payy Card97Spritz Card62
- Lowest fees score
- Payy Card57Spritz Card44
- Transfers score
- Payy Card68Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Payy Card$0Spritz Card$0
- FX fee
- Payy Card1–3%Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Payy Card0%Spritz Card1–3%
- Card spending fee
- Payy Card0%Spritz Card0%
- ATM fee
- Payy CardNot availableSpritz CardNot disclosed
- Virtual card
- Payy CardFree; instant after KYCSpritz CardNot disclosed
- Physical card
- Payy CardNot disclosedSpritz CardNot disclosed
Plans
2 fields- Available plans
- Payy CardNot disclosedSpritz CardNot disclosed
- Top cashback plan
- Payy CardNot disclosedSpritz CardNot disclosed
Everyday use
8 fields- Network
- Payy CardVisa/Other networkSpritz CardVisa
- Card formats
- Payy CardVirtualSpritz CardVirtual, Physical
- ATM withdrawals
- Payy CardNot availableSpritz CardNot disclosed
- Mobile wallets
- Payy CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Payy CardiOS, AndroidSpritz CardiOS
- Daily spending limit
- Payy CardNot disclosedSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Payy CardNot disclosedSpritz CardNot disclosed
- ATM limit
- Payy CardNot disclosedSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Payy CardStablecoins: USDCSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Payy CardBank-account depositSpritz CardNot disclosed
- Transfers
- Payy CardStablecoin transfers; Payy payment linksSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Payy CardNot disclosedSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Payy Card0%Spritz Card0%
- Max cashback
- Payy Card0%Spritz Card5%
- Reward currency
- Payy CardNo cashbackSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Payy CardNot offeredSpritz CardNot offered
- How it works
- Payy CardNot offeredSpritz CardNot offered
- Separate deposit
- Payy CardNot offeredSpritz CardNot offered
- Use balance for spending
- Payy CardNot offeredSpritz CardNot offered
- Lock-up
- Payy CardNot offeredSpritz CardNot offered
Trust & availability
4 fields- Custody
- Payy CardSelf-custodySpritz CardHybrid custody
- Control until payment
- Payy CardYou keep controlSpritz CardProvider controls funds
- Card issuer
- Payy CardThird National / RainSpritz CardNot disclosed
- Card processing
- Payy CardRainSpritz CardRain
Sources
2 fields- Official sources
- Payy Card5Spritz Card41
- Last reviewed
- Payy CardAug 5, 2026Spritz CardAug 28, 2026
04 · The closer call
Payy Card and Spritz Card need a closer personal call
The Overall Score ends level at 62, so there is no honest all-round winner here. 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%.
Payy Card looks stronger for Funds control, Lowest fees, and Transfers, while Spritz Card comes out ahead for Cashback and Travel. Payy Card uses a self-controlled wallet setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Payy Card lists more stablecoins and ways to send money out (3 vs 1). 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 Payy Card and Spritz Card reviews first.
Continue with
Payy Card
Continue with
Spritz Card
05 · Common questions
Payy vs Spritz FAQ
Is Payy or Spritz better overall?
Payy Card and Spritz Card tie at 62 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, Payy 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, Payy 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 Payy and Spritz differ on custody?
Payy Card uses a self-controlled wallet 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 Payy vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.