PionexPionex
57
Side-by-side card comparison
Pionex vs Spritz: overall score versus use-case fit
Spritz Card has the higher Overall Score by 5 points (62 vs 57). Pionex Card looks stronger for Cashback, Lowest fees, and Transfers, while Spritz Card comes out ahead for Travel and Funds control.
Information checked Aug 28, 2026100 official sources reviewed
01 · Overall score versus use-case fit
Spritz Card is the better all-round starting point
Spritz Card has the higher Overall Score in this comparison. Pionex Card may be the better fit for Cashback, Lowest fees, and Transfers. 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.
OverallPionex57Spritz62Higher score
CashbackPionex52Spritz34Higher score
TravelPionex29Spritz46Higher score
Funds controlPionex43Spritz62Higher score
Lowest feesPionex58Spritz44Higher score
TransfersPionex79Spritz64Higher score
Choose Pionex Card if cashback and lowest fees matter most
Pionex Card comes out ahead for Cashback, 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.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and payouts
Choose Spritz Card if travel and funds control matter most
Spritz Card comes out ahead for Travel and 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
- Pionex57Spritz62
Spritz Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Pionex$0 plan · Not disclosed 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
- Pionex0.1% base · up to 1%Spritz0% base · up to 5%
Pionex Card has the higher published base cashback rate (0.1% vs 0%).
- Funds control
- PionexCustodial balanceSpritzHybrid custody
Pionex 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
- PionexVirtual · Apple Pay, Google PaySpritzVirtual + Physical · Apple Pay, Google Pay
Spritz Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Pionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-outSpritz0 stablecoins · Wallet-to-bank Off-Ramp
Pionex Card lists more stablecoins and ways to send money out (4 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
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 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
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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
CardsPionex CardOverall57Spritz CardOverall62
Pionex CardOverall57Spritz CardOverall62Scores
6 fields- Overall Score
- Pionex Card57Spritz Card62
- Cashback score
- Pionex Card52Spritz Card34
- Travel score
- Pionex Card29Spritz Card46
- Funds control score
- Pionex Card43Spritz Card62
- Lowest fees score
- Pionex Card58Spritz Card44
- Transfers score
- Pionex Card79Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Pionex CardVisa and Mastercard options, 0.1%-1% cashback in USDTSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Pionex CardMastercard can cost up to 3.5%, General access is virtual-onlySpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Pionex Card$0Spritz Card$0
- FX fee
- Pionex CardNot disclosedSpritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Pionex CardNot disclosedSpritz Card1–3%
- Card spending fee
- Pionex Card3.5%Spritz Card0%
- ATM fee
- Pionex CardNot availableSpritz CardNot disclosed
- Virtual card
- Pionex CardAvailableSpritz CardNot disclosed
- Physical card
- Pionex CardNot availableSpritz CardNot disclosed
Plans
2 fields- Available plans
- Pionex Card2 plans: Mastercard, VisaSpritz CardNot disclosed
- Top cashback plan
- Pionex CardVisa: 1%Spritz CardNot disclosed
Everyday use
8 fields- Network
- Pionex CardVisa/MastercardSpritz CardVisa
- Card formats
- Pionex CardVirtualSpritz CardVirtual, Physical
- ATM withdrawals
- Pionex CardNot availableSpritz CardNot disclosed
- Mobile wallets
- Pionex CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Pionex CardNot disclosedSpritz CardiOS
- Daily spending limit
- Pionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on networkSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Pionex Card$50,000-$100,000/month depending on networkSpritz CardNot disclosed
- ATM limit
- Pionex CardNot availableSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Pionex CardNot disclosedSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Pionex CardOther crypto: Supported cryptoSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Pionex CardNot disclosedSpritz CardNot disclosed
- Transfers
- Pionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-outSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Pionex CardNot disclosedSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Pionex Card0.1%Spritz Card0%
- Max cashback
- Pionex Card1%Spritz Card5%
- Reward currency
- Pionex CardUSDTSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Pionex CardUp to 5% APYSpritz CardNot offered
- How it works
- Pionex CardEarn on spending balanceSpritz CardNot offered
- Separate deposit
- Pionex CardNoSpritz CardNot offered
- Use balance for spending
- Pionex CardYesSpritz CardNot offered
- Lock-up
- Pionex CardNoSpritz CardNot offered
Trust & availability
3 fields- Custody
- Pionex CardCustodialSpritz CardHybrid custody
- Control until payment
- Pionex CardProvider controls fundsSpritz CardProvider controls funds
- Card processing
- Pionex CardNot disclosedSpritz CardRain
Sources
2 fields- Official sources
- Pionex Card59Spritz Card41
- Last reviewed
- Pionex CardAug 14, 2026Spritz CardAug 28, 2026
04 · The trade-off
Spritz Card is the stronger all-round choice
Spritz Card finishes ahead with an Overall Score of 62 versus 57 for Pionex Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Pionex Card has the higher published base cashback rate (0.1% vs 0%).
Pionex Card still comes out ahead for Cashback, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Pionex 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.
Pionex Card lists more stablecoins and ways to send money out (4 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 Pionex Card and Spritz Card reviews first.
Continue with
Pionex Card
Continue with
Spritz Card
05 · Common questions
Pionex vs Spritz FAQ
Is Pionex or Spritz better overall?
Spritz Card has the higher Overall Score (62 vs 57). 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, Pionex 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, Pionex or Spritz?
Pionex Card has the higher published base cashback rate (0.1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Pionex and Spritz differ on custody?
Pionex 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 Pionex vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 100 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.