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Cryptomus Card vs Kraken Card

How Cryptomus Card vs Kraken Card compare on our ratings, crypto card specs, funding, pros and cons.

Cryptomus Card2.7/5
VS
Kraken Card3.8/5
Feature
Cryptomus CardVisit
Kraken CardVisit
Ratings
Our score2.7/53.8/5
User ratingNo reviews yetNo reviews yet
Fees2.54.5
Rewards & cashback1.04.0
Availability3.53.0
App & experience3.54.0
Trust & security3.03.5
Fees & features
Card typeDebitDebit
Card networkVisaMastercard
Card formatVirtualVirtual
CustodyCustodialCustodial
KYC required YesNot disclosed
Max cashbackNot disclosed2%
Rewards paid inNot disclosedBTC or EUR
Staking needed for top rewardsNot disclosed No
Welcome bonusNot disclosedNew cardholders receive Max tier for 30 days, with 2% cashback.
Card issuance fee$4Free
Monthly feeFreeFree
Annual feeNot disclosedFree
Foreign exchange feeNot disclosed0%
Top-up fee3.2%Not disclosed
Crypto conversion spreadNot disclosedVariable spread applies when spending across assets
ATM withdrawalsNot disclosedNo ATM withdrawal fee from Kraken; third-party ATM fees may apply
Available inGlobalEurope (EEA), United Kingdom, United States
Spendable assetsUSDC, USDT600+ cryptocurrencies, Cash
Top-up networksTRONNot disclosed
Card currenciesNot disclosedEUR
Spend stablecoins YesNot disclosed
Apple Pay Yes Yes
Google Pay Yes Yes
Good forOnline shopping, Subscriptions & AI tools, Advertising, Everyday spendingEveryday spending, Travel, Online shopping, Subscriptions & AI tools
Perks3D Secure Authentication, Multiple BIN optionsUp to 2% cashback, Up to 6% travel cashback, Instant card lock, Real-time notifications
Card issuerNot disclosedUAB Monavate
Virtual card fee$4Free
Referral program YesNot disclosed
Company
Founded—2011
Headquarters—United States
InvestorsNot disclosedDRW Venture Capital, Hong Shan, Jane Street, Oppenheimer Alternative Investment Management +2
Strengths and weaknesses
Pros
  • Issued instantly online within about five minutes
  • Works with Apple Pay and Google Pay for phone checkouts
  • More than 10 BINs available to reduce merchant payment rejections
  • Uses USDT and USDC to avoid volatile asset conversions
  • Up to 2% cashback in BTC or EUR
  • No Kraken transaction or foreign-exchange fees
  • No Kraken ATM withdrawal fees
  • Supports 600+ currencies
Cons
  • High 3.2% fee charged on every balance top-up
  • No physical card format or ATM cash withdrawals
  • Custodial structure requires holding funds on the Cryptomus platform
  • Mandatory KYC identity verification required before issuance
  • Custodial card and account structure
  • Variable spreads may apply when converting between assets at checkout
  • Third-party ATM fees may apply
  • Availability varies by location
Best forFunding digital ad platform accounts, Paying for software subscriptions online, Stablecoin holders spending via mobile walletsEveryday crypto spending, Krak app users, Cardholders spending multiple assets

Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.

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