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Krak (Kraken) / Card review
Crypto payment card
Krak Visa US
UK/EU Mastercard and US Visa debit programs spending assets directly from Krak accounts.
- Rewards · first band
- Starter 0%; up to 2% by balance
- Foreign-currency fee
- Visa exchange rate + 1%
- Card issuance fee
- Initial virtual/plastic free; eligibility conditions apply
- Maintenance / subscription
- No annual fee
Your selected card: before you apply.
Selected tier / planUS regional programKrak Visa US
Check regional termsChoose your residence first
- Documents to prepare
- Check accepted ID and any address evidence in the application for your residence and program.
- Cost to obtain the card
- Initial virtual/plastic free; eligibility conditions apply
Maintenance / subscription: No annual fee
Steps on the official site or app
- Open Card signup in the latest Krak app, select a color, and review regional terms.
- Fund the Everyday account with cash or supported crypto and exclude assets you do not want to spend.
- Create the virtual card and add it to a mobile wallet; US guidance supports Apple, Google and Samsung Wallet.
- For US physical delivery, meet the $200 balance condition within a 30-day period, order from Card Home, then activate on receipt.
The official site opens in a new tab. Select the product and tier shown above. Identity checks and the final application take place with the provider.
Why choose this card
Spend US Krak Everyday balances through Visa.
A good fit if
For SSN-verified US residents outside NY, ME, MA and IN spending cash or supported crypto.
The tradeoff
Physical issuance needs the USD200 balance condition; US foreign purchases add 1% to Visa FX.
For a US debit alternative in Krak-excluded states; Coinbase excludes Hawaii.
Check regional termsOfficial sources · 2026.09.08
US Krak Card application and funding ↗Krak US card and annual fee ↗
Coinbase debit card ↗
View cards & plans2
Fees & rewards
US regional program
- Rewards · first band
- Starter 0%; up to 2% by balance
- Foreign-currency fee
- Visa exchange rate + 1%
- Card issuance fee
- Initial virtual/plastic free; eligibility conditions apply
- Maintenance / subscription
- No annual fee
Read the conditions behind the figures
US applies Visa FX plus 1%. Starter is 0%; 30-day averages of USD200/1,000/10,000/50,000 earn 0.5/1/1.5/2%. Physical issue has a USD200 balance condition; conversion spread applies.
Figures refer to the selected card and plan. Do not combine them with benefits of another pictured or listed tier.
How the card works
Spend funded balance · USD / BTC / ETH / USDC
Fund the Everyday account with cash or supported crypto and exclude assets you do not want to spend.
Before you apply
Check regional termsA listed country does not guarantee personal approval. Check identity, address, documentation and delivery requirements.
Regional availability is not individual approval. Figures refer to the selected card/plan; check tier, identity-document and delivery conditions.
Refunds & support
A fixed processing time and return currency were not established for this program. Check the transaction and contact official support using the steps below.
- Cancellations, refunds and support
- Request a cancellation or return from the merchant and obtain a confirmation or refund reference. Record whether the card transaction is pending or settled.
- Cancellation and subscriptions
- Cancel subscriptions in the merchant account and check the next billing date. Freezing or closing a card does not cancel the merchant subscription.
- Declined or unfamiliar transactions
- Check the decline reason, balance, limits and activation status. For an unfamiliar payment, use the available card-lock control and notify official support promptly.
- What to prepare for support
- Prepare the merchant, date, amount, currency, transaction ID, status and refund reference. Ask support for the destination, expected posting date and dispute deadline. Do not send a full card number or wallet secret.
Practical payment facts
Narrow by supported features · brand guidance, subject to regional and tier conditions.
- Funding / spending assets
- USD · BTC · ETH · USDC
- Supported networks
- Official confirmation needed
- Balance / billing currency
- USD
- Conversion timing
- At payment
- Virtual card
- Listed · check region and plan
- Physical card
- Listed · check region and plan
- Apple Pay
- Listed · check region and plan
- Google Pay
- Listed · check region and plan
- Recurring payments
- Official confirmation needed
Brand and custody
- Card issuer / operator
- Lead Bank
- Custody of funded balances
- Krak Everyday account
Manage card freezing, PINs and spending assets in app. The US Everyday balance is not an FDIC-insured bank deposit.
Official sources
UK/EU card ↗Rewards ↗
Fees ↗
US card ↗
US Krak Card FAQ — Fees and limits; updated 2026-08-10 ↗
Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026