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Fuse Card vs Krak Card

Fuse Card

Crypto native

6.4
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Krak Card

Crypto native

7.4
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Verdict

  • Krak Card scores higher overall (7.4 vs 6.4 out of 10).
  • Krak Card is clearly stronger on: Availability, Product features, Limits & ATM.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Fuse Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Frequent travellers

Krak Card is a good fit for

  • Frequent travellers

Stronger on: Availability, Product features, Limits & ATM

★ 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
Get the card
Review & sourcesFuse Card vs ether.fi CashKrak Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionFuse CardKrak Card
Fees100100
Cashback & rewards–21
Availability2393
FX & international100100
Product features5370
Custody & security8075
Credit & financing3030
Limits & ATM20100
Transparency100100
Best for Cashback6.05.7
Best for Travel7.18.8
Best for Self-Custody7.9n/a
Best for DeFi Users6.96.3
Best for Stablecoins8.2n/a
Best for High Spenders6.36.0
Best for Low Fees8.810.0
Best for Beginners7.08.1

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

Prepaid cardConditions apply: tap or hover for detailsShow source

Lead Bank Prepaid Visa; not a gift card, no expiration date

Debit cardShow source

Network

VisaShow source
MastercardConditions apply: tap or hover for detailsShow source

UK and EEA; the US card is a Visa

Custody model

Self-custodyConditions apply: tap or hover for detailsShow source

Solana smart account with multiple keys

CustodialConditions apply: tap or hover for detailsShow source

Card spends the Krak account balance (e-money and crypto held by Kraken)

Card issuer / program manager

Lead BankConditions apply: tap or hover for detailsShow source

Issuer: Lead Bank, a Missouri state-chartered bank; Program Manager: Bridge Ventures LLC; Platform Provider: Selimor Investments Ltd d/b/a Squads Labs (Fuse)

Monavate (UK) / UAB Monavate (EEA); e-money by Payward Ireland LimitedShow source

Tiers / plans

No data yet
Starter · Lite · Pro · Elite · MaxConditions apply: tap or hover for detailsShow source

Cashback tier by 30-day average assets held

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

FreeShow source
FreeShow source

Physical card fee

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

Plastic card; replacement €4.99

Virtual card fee

FreeShow source
FreeShow source

Replacement fee

FreeShow source
€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

Including purchases outside the US

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%

Top-up fee

FreeShow source
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%

ATM fee

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

No Krak fee; third-party ATM fees may apply

Transfer fee

No data yet
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

Settlement fee

FreeShow source
No data yet

Other fees & markups

Fees for Stablecoin Sales and other transactions incidental to card use may be charged by the Platform Provider (Fuse) or Program Manager (Bridge); amounts not stated in this agreementShow source
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

Cashback & rewards

Base cashback

No data yet
0%Conditions apply: tap or hover for detailsShow source

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

Max cashback

No data yet
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

Cashback paid in

No data yet
EUR, GBP or BTCShow source

Cashback type

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

Or bitcoin

Interest on balance

No data yet
3.6%Conditions apply: tap or hover for detailsShow source

Up to; on eligible balances, variable

Cashback conditions

No data yet
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

Staking / holding required for top rewards

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

Holding assets (not staking) sets the cashback tier

Staking asset

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

Capital required for top rewards

No data yet
€50,000Conditions apply: tap or hover for detailsShow source

30-day average for the 2% tier

Credit & financing

Credit line

NoShow source
NoShow source

Credit type

NoneShow source
No data yet

Spend own balance directly

YesConditions apply: tap or hover for detailsShow source

At each purchase the Program Manager sells stablecoins from the user's Fuse (Platform Provider) wallet and loads the fiat proceeds onto the card

YesConditions apply: tap or hover for detailsShow source

Spends directly from the Krak Everyday account balance

Availability

Available in

United States, Argentina, BO, Brazil, Colombia, CR, DO, EC, SV, GH, GT, HN, Mexico, PA, Nigeria, PY, Peru, UYConditions apply: tap or hover for detailsShow source

US except residents of New York and Alaska; age 18+; KYC required. The FAQ also contains an older line naming only the U.S. and Argentina

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

USDConditions apply: tap or hover for detailsShow source

The card holds only fiat currency; fees are applied to the U.S. dollar amount of each transaction

600+ currenciesConditions apply: tap or hover for detailsShow source

Spend in more than 600 currencies

Features

Apple Pay

YesShow source
YesShow source

Physical card

No data yet
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

NoShow source
YesShow source

Spend stablecoins

YesShow source
No data yet

Spendable assets

USDCConditions apply: tap or hover for detailsShow source

Only USDC in the Card Account

No data yet

Blockchains

SolanaShow source
No data yet

Limits

Spending limit

$2,000Conditions apply: tap or hover for detailsShow source

Per day by default; may be raised after some usage

No data yet

Security & custody

Regulation / licences

No data yet
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

Fiat currency on the card is not eligible for FDIC insurance

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

Fuse Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • Per-transaction fees+0 EUR
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

Krak Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • Net annual value0 EUR

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

More Fuse Card comparisons

More Krak Card comparisons