The Spritz Card is a Visa debit card with no annual fee, available in 31 countries.
Spritz Finance is a US C Corporation operating a crypto payments platform covering off-ramp, on-ramp, bill pay and card spending. It is registered with FinCEN and licensed as a money transmitter, and the card programme is run in partnership with Rain, the crypto card issuer that has raised over $338M in total, including a $250M Series C led by ICONIQ in January 2026 at a $1.95B valuation.
The Spritz Card is a crypto debit card offered by Spritz Finance, available in 31 countries. There is no annual fee to hold this card. It runs on the Visa network and requires full identity verification.
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| Tier | Rate | Requirement |
|---|---|---|
| All Other | 0% | All other purchases; no base cashback rate is published outside the bonus categories |
| Travel, Dining & Hotels (promotional) | 5% | Travel, dining, hotel and airline purchases, presented as a three-day 'Shopping Spree' unlocked on loading the card and paid as Spritz Credits; whether it continues as a standing category rate is not confirmed |
On $500/mo spend, the estimated monthly cost breakdown for Spritz Card is: gas $3.00, conversion spread $5.00, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.6% of spend. After $0.00/mo cashback that is still a net cost of about $8.00/mo ($96.00/yr). Because Spritz Card is loaded on-chain, frequent small top-ups add gas cost: a daily-spender profile pays about $60.00/mo in gas versus $3.00/mo for a single monthly load, so total drag runs 13% with daily reloads versus 1.6% with a monthly reload. Figures are conservative estimates and vary with conditions.
Note: Spritz describes it as a real credit card that is fully collateralised, carrying the full Visa Signature benefit suite (airport lounge access, travel insurance, purchase protection, trip delay protection, hotel upgrades, extended warranties, zero liability fraud protection), but recorded here as a debit card because it is fully prefunded from the user's own wallet with no credit line and no credit check. Launched to US early access on 1 June 2025 and internationally on 25 June 2025. Virtual card issues instantly; the physical card was a limited alpha release capped at the first 3,000 units. Full KYC is required for meaningful use, including a passport or national ID. Supports 50,000+ tokens across 14 networks. There is no fee to spend or to maintain the account: the cost sits in the load fee, a 1% base on virtual card loads ($2 minimum) which is adjusted upward by chain and token (no adjustment on Layer 2s and Solana with USDC, +0.5% on Ethereum or on L2/Solana with other tokens, +1% on BSC or Sui USDC, +1.5% on Bitcoin with a $5 minimum, +2% on Sui native). Off-ramp starts at 0.5% ($2 minimum) and on-ramp is a flat 1%. Spritz advertises no daily spending cap. The headline 5% cashback is presented on the card page as a three-day 'Shopping Spree' unlocked on loading, alongside standalone 'Earn 5% cashback on travel, dining & hotels' copy, so it is recorded here as promotional rather than a confirmed standing rate. VERIFICATION GAP: the issuing bank behind the Rain partnership is not named publicly, no base cashback rate outside the bonus categories is published, and ATM and FX fee schedules are not published; the fee help centre covers card loads and transfers only.
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The Spritz Card is a crypto debit card offered by Spritz Finance. It is available in 31 countries and allows users to spend cryptocurrency at merchants worldwide.
The Spritz Card has an annual fee of $0. Additional fees: Conversion fee: 1% base on virtual card loads ($2 min), +0.5% to +2% by chain and token; Top-up: 1% base ($2 min); Ethereum +0.5%, BSC +1%, Bitcoin +1.5% ($5 min).
The Spritz Card has the following limits: daily spending limit: No daily cap advertised. Limits can vary by account tier and verification level.
Supported assets include USDC, USDT, BTC, ETH, SOL, XRP, SUI, DASH, TRX, 50,000+ tokens; top-up methods include Load directly from a self-custodied wallet across 14 supported networks; crypto deposits are supported on Ethereum, Solana, Polygon, Arbitrum, Avalanche, Base, BSC, Optimism, Bitcoin, Tron, Sui, XRP Ledger, Dash.
Yes. The Spritz Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Spritz Card is available in 31 countries.
The Spritz Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Spritz Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.