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Krak Card vs Uphold Debit Card (US)

Krak Card

Crypto native

7.3
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Uphold Debit Card (US)

Crypto native

5.6
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Verdict

  • Krak Card scores higher overall (7.3 vs 5.6 out of 10).
  • Krak Card is clearly stronger on: Availability, FX & international, Limits & ATM.
  • Uphold Debit Card (US) is clearly stronger on: Cashback & rewards.
  • For 1,500 EUR/month of spend, Uphold Debit Card (US) comes out about 274 EUR a year ahead on base-tier terms.

Krak Card is a good fit for

  • Frequent travellers

Stronger on: Availability, FX & international, Limits & ATM

Uphold Debit Card (US) is a good fit for

  • Stablecoin holders
  • Everyday spenders who want cashback

Stronger on: Cashback & rewards

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
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Review & sourcesKrak Card vs ether.fi CashUphold Debit Card (US) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKrak CardUphold Debit Card (US)
Fees10099
Cashback & rewards2150
Availability933
FX & international10040
Product features7070
Custody & security60–
Credit & financing3030
Limits & ATM10074
Transparency100100
Best for Cashback5.65.7
Best for Travel8.85.7
Best for DeFi Users5.95.8
Best for Stablecoinsn/a6.7
Best for High Spenders6.06.0
Best for Low Fees10.08.1
Best for Beginners8.06.8

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
Debit cardShow 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)

No data yet

Card issuer / program manager

Monavate (UK) / UAB Monavate (EEA); e-money by Payward Ireland LimitedShow source
No data yet

Tiers / plans

Starter · Lite · Pro · Elite · MaxConditions apply: tap or hover for detailsShow source

Cashback tier by 30-day average assets held

Essential (no annual fee) · Elite ($99.99/year)Show source

Fees

Annual fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Essential; Elite $99.99/year

Monthly fee

FreeShow source
No data yet

Physical card fee

FreeConditions apply: tap or hover for detailsShow source

Plastic card; replacement €4.99

$4.99Conditions apply: tap or hover for detailsShow source

Essential

Virtual card fee

FreeShow source
No data yet

Replacement fee

€4.99Conditions apply: tap or hover for detailsShow source

Plastic card; metal card replacement €60

No data yet

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%

1.5%Conditions apply: tap or hover for detailsShow source

Essential; Elite has no foreign transaction fees

ATM fee

FreeConditions apply: tap or hover for detailsShow source

No Krak fee; third-party ATM fees may apply

$2.95Conditions apply: tap or hover for detailsShow source

Essential; Elite has no ATM fees

Other fees & markups

Variable spread when spending crypto · AutoEarn fee: 30% of yield earnedShow source
No data yet

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

Starter tier: under €200 average assets; 0.5% from €200

2%Conditions apply: tap or hover for detailsShow source

Essential, paid in XRP

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

4%Conditions apply: tap or hover for detailsShow source

Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins

Cashback paid in

EUR, GBP or BTCShow source
XRP (or other crypto at Uphold's discretion)Show source

Cashback type

FiatConditions apply: tap or hover for detailsShow source

Or bitcoin

CryptoShow source

Interest on balance

3.6%Conditions apply: tap or hover for detailsShow source

Up to; on eligible balances, variable

3%Conditions apply: tap or hover for detailsShow source

Up to 3% APY on stablecoin balances; variable; no paid plan stated on page

Max cashback per month

No data yet
$120/monthConditions apply: tap or hover for detailsShow source

Essential; Elite $300/month

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
No data yet

Staking / holding required for top rewards

YesConditions apply: tap or hover for detailsShow source

Holding assets (not staking) sets the cashback tier

No data yet

Staking asset

Any assets held at Krak, Kraken and Kraken ProShow source
No data yet

Capital required for top rewards

€50,000Conditions apply: tap or hover for detailsShow source

30-day average for the 2% tier

No data yet

Credit & financing

Credit line

NoShow source
NoShow source

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

United StatesConditions apply: tap or hover for detailsShow source

Not in Louisiana, New York or US territories

Account / spend currencies

600+ currencies and assetsShow source
No data yet

Features

Apple Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

When available

Google Pay

No data yet
YesConditions apply: tap or hover for detailsShow source

When available

Physical card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Essential: plastic $4.99; Elite: metal $0

Virtual card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Essential and Elite: $0

ATM withdrawals

YesShow source
YesConditions apply: tap or hover for detailsShow source

Essential: $2.95 per withdrawal; Elite: $0

Spend stablecoins

No data yet
YesShow source

Security & custody

Regulation / licences

No data yet
USD balances held at Cross River Bank, Member FDIC (pass-through insurance up to $250,000 if conditions are met) · Uphold is not a bankShow source

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

Uphold Debit Card (US)

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • ATM costs−32 EUR
  • Cashback+360 EUR
  • Net annual value274 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Krak Card comparisons

More Uphold Debit Card (US) comparisons