Spritz FinanceSpritz
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Side-by-side card comparison
Spritz vs Decaf
Decaf Card has the higher Overall Score by 2 points (64 vs 62). Spritz Card looks stronger for Cashback, while Decaf Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Latest check Oct 19, 202662 official sources reviewed
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.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsSpritz CardOverall62Decaf CardOverall64
Spritz CardOverall62Decaf CardOverall64Scores
- Overall Score
- Spritz Card62Decaf Card64
- Cashback score
- Spritz Card34Decaf Card29
- Travel score
- Spritz Card46Decaf Card60
- Funds control score
- Spritz Card62Decaf Card63
- Lowest fees score
- Spritz Card44Decaf Card57
- Transfers score
- Spritz Card64Decaf Card70
Costs
- Plan cost
- Spritz Card$0Decaf Card$0
- FX fee
- Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may applyDecaf Card1–2%
- Top-up fee
- Spritz Card1–3%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Spritz Card0%Decaf CardNot disclosed
- ATM fee
- Spritz CardNot disclosedDecaf Card0% Decaf markup
- Virtual card
- Spritz CardNot disclosedDecaf Card$5
- Physical card
- Spritz CardNot disclosedDecaf Card$90 international / $10 US
Plans
- Available plans
- Spritz CardNot disclosedDecaf CardNot disclosed
- Top cashback plan
- Spritz CardNot disclosedDecaf CardNot disclosed
Everyday use
- Network
- Spritz CardVisaDecaf CardVisa
- Card formats
- Spritz CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Spritz CardNot disclosedDecaf CardNot disclosed
- Mobile wallets
- Spritz CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Spritz CardiOSDecaf CardiOS, Android, Web
- Daily spending limit
- Spritz CardNo provider-published daily spend capDecaf CardNot disclosed
- Monthly spending limit
- Spritz CardNot disclosedDecaf CardNot disclosed
- ATM limit
- Spritz CardNot verified for the current no-PIN cardDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Spritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6Decaf CardSolana, Stellar
- Crypto deposits
- Spritz CardOther crypto: Crypto top-upDecaf CardStablecoins: USDC
- Fiat deposits
- Spritz CardNot disclosedDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Spritz CardWallet-to-bank Off-RampDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Spritz CardUSD, CAD, GBP, EURDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Spritz Card0%Decaf CardNot disclosed
- Max cashback
- Spritz Card5%Decaf CardNot disclosed
- Reward currency
- Spritz CardSpritz CreditsDecaf CardNot disclosed
Earn
- Advertised APY
- Spritz CardNot offeredDecaf CardNot disclosed
- How it works
- Spritz CardNot offeredDecaf CardOptional earn vault
- Separate deposit
- Spritz CardNot offeredDecaf CardYes
- Use balance for spending
- Spritz CardNot offeredDecaf CardNot disclosed
- Lock-up
- Spritz CardNot offeredDecaf CardNot disclosed
Trust & availability
- Custody
- Spritz CardHybrid custodyDecaf CardNon-custodial
- Control until payment
- Spritz CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- Spritz CardNot disclosedDecaf CardThird National, Inc.
- Card processing
- Spritz CardRainDecaf CardRain
- Deposits & withdrawals
- Spritz CardNot disclosedDecaf CardMoneyGram
Sources
- Official sources
- Spritz Card41Decaf Card21
- Last reviewed
- Spritz CardAug 28, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Spritz or Decaf
Sending money to a bank
For bank payouts, Spritz has reviewed routes in CAD, EUR, GBP, USD; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Matching the card to your plans
Spritz: Funding a separate USD card balance from a connected crypto wallet. Decaf: Spending USDC received on Solana or Stellar through a separate card load.
Common questions
Spritz vs Decaf FAQ
Is Spritz or Decaf better overall?
Decaf Card has the higher Overall Score (64 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, Spritz or Decaf?
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, Spritz or Decaf?
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 Spritz and Decaf differ on custody?
Spritz Card uses a hybrid custody setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Spritz vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 62 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.