BitPay Card vs Krak Card
The short answer
Winner: Krak Card — 7.1/10 versus 6.3/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
BitPay Card
KYC
Krak Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
0%
2%
ATM fee
2%
Free
FX fee
3%
Free
Per transaction
Unlimited
Unlimited
Daily limit
$10k
$12k
Monthly limit
Unlimited
Unlimited
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Custodial
Conversion fee
Free
1%
ATM per transaction
$2.4k
$350
Network
mastercard
mastercard
IBAN
✗
✓
Apple Pay
✗
✓
Google Pay
✗
✗
Countries
1
17
Coins
BTC, ETH, USDC, XRP
BTC, ETH, SOL, USDC, USDT, XRP
BitPay Card vs Krak Card FAQ
On our composite score Krak Card edges ahead (7.1/10 vs 6.3/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.