Verdict
- Krak Card scores higher overall (7.4 vs 7.2 out of 10).
- Krak Card is clearly stronger on: Limits & ATM.
- Tria Card is clearly stronger on: Cashback & rewards, Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Krak Card is a good fit for
- Frequent travellers
Stronger on: Limits & ATM
Tria Card is a good fit for
- People who want to keep control of their keys
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Cashback & rewards, Credit & financing
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Krak Card | Tria Card |
|---|---|---|
| Fees | 100 | 91 |
| Cashback & rewards | 21 | 44 |
| Availability | 93 | – |
| FX & international | 100 | 100 |
| Product features | 70 | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | 75 |
| Limits & ATM | 100 | 71 |
| Transparency | 100 | 93 |
| Best for Cashback | 5.7 | 6.2 |
| Best for Travel | 8.8 | 8.0 |
| Best for Self-Custody | n/a | 7.8 |
| Best for DeFi Users | 6.3 | 7.4 |
| Best for High Spenders | 6.0 | 6.9 |
| Best for Low Fees | 10.0 | 9.1 |
| Best for Beginners | 8.1 | 7.4 |
| Best Crypto Credit Card | n/a | 7.5 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Crypto-backed creditShow source
Network
MastercardConditions apply: tap or hover for detailsShow source
UK and EEA; the US card is a Visa
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Card spends the Krak account balance (e-money and crypto held by Kraken)
Self-custodyShow source
Card issuer / program manager
Monavate (UK) / UAB Monavate (EEA); e-money by Payward Ireland LimitedShow source
Nimbus, LLC (issuer); Threely Dimensions Inc. (Tria, program provider)Conditions apply: tap or hover for detailsShow source
International card terms
Tiers / plans
Starter · Lite · Pro · Elite · MaxConditions apply: tap or hover for detailsShow source
Cashback tier by 30-day average assets held
Lite · Pro · MaxShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Plastic card; replacement €4.99
$109Conditions apply: tap or hover for detailsShow source
Plastic card; Metal card 250 USD
Virtual card fee
FreeShow source
$25Conditions apply: tap or hover for detailsShow source
Virtual card; Plastic 109 USD, Metal 250 USD
Replacement fee
€4.99Conditions apply: tap or hover for detailsShow source
Plastic card; metal card replacement €60
FX fee
0%Conditions apply: tap or hover for detailsShow source
EEA/UK: Mastercard rate without markup; a variable spread applies when spending crypto. US card: 1%
0%Show source
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Bank transfer free; debit card and Apple/Google Pay deposits €0.25 + 3.75% (UK £0.25 + 3.75%); PayPal fees vary by region. US: linked bank (ACH) free, USD/CAD SWIFT wire $3, card deposits $0.25 + 3.75%, PayPal 3.39%
FreeShow source
ATM fee
FreeConditions apply: tap or hover for detailsShow source
No Krak fee; third-party ATM fees may apply
$1 + 1%Conditions apply: tap or hover for detailsShow source
$1.00 base fee plus 1% of the withdrawal amount; local ATM operator fees/limits may apply
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
Incoming and outgoing SEPA free (UK domestic transfers free); outgoing SWIFT: regional funding fees may apply; transfers between Krak accounts free. US: ACH in/out free
Other fees & markups
Variable spread when spending crypto · AutoEarn fee: 30% of yield earned · Vault fee: 25% of yield earned · Small balance conversions: fixed 3% feeConditions apply: tap or hover for detailsShow source
Vault and AutoEarn fees are taken from yield; displayed APYs exclude them
FX fee up to 3% · International transactions fee up to 1% · USDC settlement/deposit fee up to 1% · ATM balance inquiry and decline fees up to $2 · ATM withdrawal up to $2 + 3% · Virtual card issue/annual fee $25 per fee disclosureConditions apply: tap or hover for detailsShow source
Maximums from the 31 Oct 2025 fee disclosure; help center states lower fees
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Starter tier: under €200 average assets; 0.5% from €200
1.5%Conditions apply: tap or hover for detailsShow source
Virtual tier, within a monthly spend cap ($100 or $1,000 — sources conflict)
Max cashback
2%Conditions apply: tap or hover for detailsShow source
Max tier: 30-day average assets of at least €/£50,000; up to 4% boosted on travel via Krak Concierge
6%Conditions apply: tap or hover for detailsShow source
Premium tier, headline rate, monthly spend caps apply
Cashback paid in
EUR, GBP or BTCShow source
USDT on ArbitrumShow source
Cashback type
FiatConditions apply: tap or hover for detailsShow source
Or bitcoin
StablecoinShow source
Interest on balance
3.6%Conditions apply: tap or hover for detailsShow source
Up to; on eligible balances, variable
Cashback-eligible spend cap
$100/monthConditions apply: tap or hover for detailsShow source
Virtual tier: monthly spend at the top rate; floor rate 0.5% above it. Cap is per user, resets on the 1st
Cashback conditions
Rate set by the 30-day average assets held across Krak, Kraken and Kraken Pro: 0.5% from €200, 1% from €1,000, 1.5% from €10,000, 2% from €50,000 · Metal card free from €/£50,000 average assetsShow source
Cashback is a membership benefit; it stops on new transactions if the membership is not renewedConditions apply: tap or hover for detailsShow source
Pro $109/year, Max $250/year standard renewal pricing
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Holding assets (not staking) sets the cashback tier
Staking asset
Any assets held at Krak, Kraken and Kraken ProShow source
Capital required for top rewards
€50,000Conditions apply: tap or hover for detailsShow source
30-day average for the 2% tier
Credit & financing
Credit line
NoShow source
YesShow source
Credit type
Crypto-backed creditShow source
Max loan-to-value
100%Conditions apply: tap or hover for detailsShow source
Spending limit equals USD market value of collateral (1:1)
Interest (APR)
0%Show source
Interest notes
Currently 0% on all purchases; issuer may introduce interest for new purchases in the futureShow source
Grace period
Liquidation if an outstanding payment is not paid in full within one calendar day (issuer may allow more)Show source
Repayment
Balances in the linked wallet are used to repay card spending; collateral liquidated if unpaidShow source
Liquidation risk
YesShow source
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
Spends directly from the Krak Everyday account balance
Availability
Available in
European Union, United KingdomConditions apply: tap or hover for detailsShow source
Residents of the UK and the EU; a separate US card exists
Account / spend currencies
600+ currenciesConditions apply: tap or hover for detailsShow source
Spend in more than 600 currencies
Features
Apple Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
Where supported
Google Pay
YesConditions apply: tap or hover for detailsShow source
Where supported
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Pro (plastic) and Max (metal) tiers only
Virtual card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Lite tier is virtual-only
ATM withdrawals
YesShow source
YesShow source
Spendable assets
1,000+ tokens accepted for fundingShow source
Blockchains
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source
Supported blockchains for collateral; more may be added
Limits
ATM limit
$750Conditions apply: tap or hover for detailsShow source
Per transaction; maximum 3 withdrawals per 24 hours
Security & custody
Regulation / licences
EEA: e-money by Payward Ireland Limited, regulated by the Central Bank of Ireland · EEA: card issuer UAB Monavate, licensed by the Bank of Lithuania (LB002139) · UK: card issuer Monavate Limited, FCA-authorised (FRN 901097) · UK: e-money and payment services by Payward Services Limited, FCA-authorised (FRN 1010381) · UK: Payward Ltd registered with the FCA as a cryptoasset business (FRN 928768)Conditions apply: tap or hover for detailsShow source
US: Payward Interactive, Inc. is a licensed money transmitter (NMLS #1843762) registered with FinCEN as an MSB
Deposit protection
NoConditions apply: tap or hover for detailsShow source
EEA e-money wallet is not covered by a deposit guarantee scheme; UK: no FSCS protection; US: balances not FDIC or SIPC insured
Annual cost at 1,500 EUR/month
Krak Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value0 EUR
Tria Card
- Annual & monthly feesunknown
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−23 EUR
- Cashback+16 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers