Krak
Crypto Card
Krak lets users spend directly from crypto or fiat balances through a debit card (Mastercard in the UK and EEA, Visa in the US), with up to 2% cashback on eligible purchases, paid in Bitcoin or fiat and set by the user's Rewards tier. Note: the card is currently limited to the UK, EEA and US, and a spread fee applies whenever crypto must be sold to complete a purchase.
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Krak is Kraken's peer-to-peer payments app and debit card (Mastercard in the UK and EEA, Visa in the US), letting users spend from 600+ supported crypto and fiat assets at merchants worldwide. Cashback is paid in Bitcoin or local fiat, and the card is currently available in the UK, EEA and US with no monthly fees; the US card adds a 1% foreign transaction fee abroad.
UK, EEA and US Only
The Krak Card is currently limited to the United Kingdom, the European Economic Area and the United States, with more countries still to come.
Spread Fee on Crypto Sales
A spread fee applies whenever crypto assets need to be sold to complete a transaction.
Cashback Tied to Balance
New customers get Max Rewards (2% cashback) as a welcome gift; otherwise the rate runs from 0% to 2%, set by a user's total balance across Krak, Kraken, and Kraken Pro.
Traditional cashback programs are often limited in value and speed.
The Oobit crypto card delivers a next-generation experience, instant, global, and crypto-native.
Krak
Cashback
Up to 10%
0% to 2%
Earning
Every payment
Eligible purchases
Timing
Instant
When the purchase settles
Setup
Pay from wallet
Linked to Krak account
Self-Custody
Card activation fee
Free
Spread fee on crypto sales
Download Oobit
Oobit is built for users who want to spend from their own wallet rather than an exchange balance, with 10% cashback with OOB, 5% with USDT. That makes it a practical alternative to Krak, especially for users outside the UK, EEA and US who want their crypto card to work today. To understand why self-custody spending changes the game, it helps to compare how each card actually moves your funds at checkout.
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Bitcoin.com
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VeChain foundation
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Questions?
Answers.
What is the Krak Card cashback rate?
Krak Card cashback depends on your average balance over 30 days. Kraken lists Starter at 0%, Lite at 0.5% from £/€200, Pro at 1% from £/€1,000, Elite at 1.5% from £/€10,000 and Max at 2% from £/€50,000. New customers get Max Rewards, the top tier, as a welcome gift.
How does Krak Card cashback work?
Krak pays cashback in GBP, EUR or BTC once the merchant finalises the purchase, with no cap on how much you can earn. Your rate is set by your 30 day average balance. ATM withdrawals and purchases under £/€0.49 do not earn cashback. With Oobit, you get 10% cashback with OOB, 5% with USDT.
Does the Krak Card work with Google Pay?
Yes. Kraken says you can add the virtual Krak Card to Apple Pay or Google Pay, and the US Krak card also supports Samsung Pay. Oobit also works with Apple Pay and Google Pay, as well as tap to pay in store and online payments, at 175+ million merchants in 80+ countries.
Where is the Krak Card available?
Kraken says the Krak Card is available in the UK, the EEA and the US, for verified personal accounts. Business accounts cannot use it. If you live elsewhere, Oobit is an option: it is a self-custodial crypto card that connects to your wallet and works in 80+ countries, in store and online.
What fees does the Krak Card have?
Krak's US card FAQ says there are no annual, monthly or transaction fees. When you spend crypto or a foreign currency, Krak includes a variable spread in the price of the assets it sells. On the US card, a 1% foreign transaction fee applies abroad. The Oobit card is free, and purchases have a 1% fee.
What is a good Krak Card alternative?
Oobit is a Krak Card alternative if you want to spend from your own wallet rather than an exchange balance. It connects to self-custodial wallets such as MetaMask, Trust Wallet or Phantom, and works in store (tap to pay, Apple Pay, Google Pay) and online in 80+ countries. Oobit gives 10% cashback with OOB, 5% with USDT.
Open your treasury, hold dollars, and start paying the world.
Abre tu tesorería, guarda dólares y empieza a pagarle al mundo.
Abra seu tesouro, guarde dólares e comece a pagar o mundo.
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Oobit provides technology that enables users to spend digital assets through existing payment networks. Services are subject to regional availability and regulatory requirements. Oobit operates through multiple entities globally. Certain features may be provided by licensed partners depending on your location.
US Cryptocurrency services are provided in partnership with Bakkt Financial Solutions I, LLC. Bakkt is registered with FinCEN as a Money Services Business (MSB) and holds state money transmitter licenses.