Krak Card
0.5%
Cashback
No monthly or annual fee
Annual fee
Orange / black cards and delivery free
Issuance fee
KYC
KYC
Benefits
- Up to 2% cashback, optional USD or BTC
- 600+ types of assets are available for spending and the order of deductions can be customized
- There is no foreign exchange fee for the UK/EU version, based on Mastercard exchange rate
- Support Apple Pay / Google Pay, can withdraw cash at 2.5 million+ ATMs
Supported services
✓Apple Pay
✓Google Pay
△WeChat Pay
△Alipay
△ChatGPT
△Claude
KYC requirements
National IDUnconfirmed
PassportUnconfirmed
Overseas address proofRequired
Overseas phone numberUnconfirmed
Updated: 2026-10-02
Things to know
- The US version has a 1% foreign transaction fee
- There may be variable spreads when selling assets for spending, and tax events may arise when spending crypto assets.
- The United States does not support New York, Maine, Massachusetts, and Indiana
- Account balances are not FDIC/SIPC protected
Fees & specifications
CashbackAccording to the total 30-day average assets of Krak, Kraken and Kraken Pro: 0.5% starting from 200, 1% starting from 1,000, 1.5% starting from 10,000, 2% starting from 50,000 (metal card, no cap), issued in USD or BTC; travel up to 6%
Foreign exchange feesUK/EU 0% (Mastercard exchange rate); US 1%
Staking requirementsNone; cashback level is based on average assets
ATM withdrawalsSupport, third-party ATM fees may be charged separately
Card formatPhysical card (orange/black/metal)
Settlement assets600+ currencies and cryptoassets
AvailabilityUnited States (except NY, ME, MA, IN), United Kingdom, European Union
Sources & notes
Data credibility: high; verification date 2026-10-09.