Spritz Card
VisahybridKYC: required
3.5 / 5
Net Reward0.0
Availability4.5
Custody & Risk3.5
Features4.5
UX3.8
Spritz Card is a crypto-linked Visa Signature credit card that enables users to spend cryptocurrencies directly for everyday purchases. It's fully collateralized and pre-funded, supporting 50,000+ cryptocurrencies across 14+ blockchain networks with Visa Signature benefits included for all users without staking requirements.
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Slug: spritz-card
Our Verdict
Crypto holders who want to spend their on-chain funds for real-world purchases without the delays and complexity of converting through exchanges, particularly those seeking premium Visa Signature benefits without staking requirements.
Pros and cons
Pros
- No token staking required for premium benefits
- Extensive cryptocurrency support beyond typical competitors
- No foreign exchange fees (0%) for international transactions
- Competitive 1% base conversion fee (with some network/token surcharges)
- Integrates with Apple Pay and Google Wallet
- Spritz Points rewards system with 100 points per transaction
Cons
- Card-specific cashback rewards still rolling out (limited details available)
- Funds cannot be withdrawn once loaded to the card
- Currently available in only 33 US states (expansion ongoing)
- Minimum $2 fee per card load
- Creates taxable events when converting crypto to fiat
Supported chains
ArbitrumAvalancheBaseBitcoinEthereumOptimismPolygonSolanaTRON
Supported cryptos
BTCETHUSDCUSDTXRP
Fees
Annual: None
Monthly: None
Issuance: Free
Crypto To Fiat: 1% base, varies by token/network
Purchase Transaction: None for purchases
Key Features
- Non-custodial crypto-collateralized Visa Signature credit card
- Supports 50,000+ cryptocurrencies across 14+ blockchain networks
- Premium Visa Signature benefits included for all users without staking requirements
- Available to residents of 140+ countries and territories with no formal spending limits
- Virtual card issued immediately; physical cards with global ATM access now shipping
- $5,000 per load, unlimited loads, no spending cap
- 0% foreign exchange fees
- Integrates with Apple Pay and Google Wallet
Limitations
- Card-specific cashback rewards still rolling out (limited details available)
- Spritz Points not yet redeemable; redemption utilities to be shaped by user feedback
- Loaded funds cannot be withdrawn back to crypto once loaded to the card
- Currently available in only 33 US states (expansion ongoing)
- Minimum $2 fee per card load
- Creates taxable events when converting crypto to fiat
Risks
- CounterpartyOnce funds are loaded, they are held by the card issuer and no longer user-custodiedIf provider disappears, unspent card balance may be lost
- MarketTaxable events created when converting crypto to fiat for card loadsTax Implications section notes crypto-to-fiat conversion creates taxable events
Rewards & Cashback
Notes: 100 points per transaction including loading the card, bill payments, on-ramp and off-ramp transactions. Points currently function as participation/reputation metric; redemption utilities to be announced. Referral program: $25 cashback to both referrer and referee when new user spends $100+ in first 30 days.
Reward Token: Spritz Points
Cashback Rate: Limited details available; cashback on travel and dining announced for physical card launch
Spending Limits
Notes: Load Limits: $5,000 USD per individual load transaction; Daily Load Cap: Unlimited loads per day; Maximum Balance: No cap on total card balance
Daily Spending: No formal spending limits (subject to available balance and issuer fraud/risk controls)
Monthly Spending: No formal spending limits
Top-Up Methods
Crypto (50,000+ cryptocurrencies)Non-custodial wallet connect via Spritz app or web dashboard
Max Amount: $5,000 USD per individual load transaction
Min Amount: $2 minimum fee per load
Processing Time: Real-time conversion from crypto to fiat when funding
Credit & Loan Products
Interest Rates
No revolving credit, interest charges, or monthly bills
Operates as a pre-funded credit card that functions without revolving credit
Security Features
Features: Zero liability fraud protection,Issuer fraud/risk controls
Insurance: Travel insurance with trip delay coverage, emergency medical coverage up to $170,000, auto rental collision damage waiver, purchase protection, price protection, extended warranty
Mobile Wallet Support
Apple PayGoogle PayiOSAndroid
Best For
Crypto holders who want to spend their on-chain funds for real-world purchases without the delays and complexity of converting through exchanges, particularly those seeking premium Visa Signature benefits without staking requirements.
Custody Model
hybridUsers control crypto in their own wallets until loading the card. At funding, crypto is converted to fiat and held by the card issuer. Once loaded, funds are no longer user-custodied.
Risk: If provider disappears, unspent card balance may be lost, but unconverted crypto remains accessible to user.
Card Issuer & Compliance
Issuer Name: Partnership with Rain (stablecoin-based card issuing platform)
Kyc Required: true
Availability
Available in 140+ countries and territories including 33 U.S. states, Canada, UK, Europe, and more. US not available in: Delaware, Georgia, Idaho, Louisiana, Maryland, Montana, Nevada, New Mexico, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Texas, Utah, Vermont, Washington, Wisconsin. Restricted in 7 countries including sanctioned jurisdictions.
Card Tiers
Spritz Premium Card
PhysicalHigh-quality plastic with premium branding
None (no staking requirement)
Fees
Issuance: Free
Monthly: None
Monthly Limit: No formal spending limits
VisaApple PayGoogle Wallet
Cashback: Cashback on travel and dining (details shipping soon)
Full Visa Signature benefits by defaultSpritz Points rewardsAirport lounge access via Priority Pass or LoungeKeyTravel insurance with trip delay coverage up to $500 for baggage delay, $1,000 for baggage lossEmergency medical coverage up to $170,000Auto rental collision damage waiver (global, 31-day trips)Purchase protection for 180 days, $5,000 per incident, $10,000/yr capPrice protection up to $500 per item, $2,000/yrExtended warranty adds 1 year, up to $5,000/claim, $10,000/yrZero liability fraud protection24/7 Visa Digital Concierge service
User Ratings
3.8/5.0 (253 ratings)
Trustpilot
3.4/5.0 (10 ratings)
App Store
Roadmap & Updates
Expansion: Remaining US states by end of Q3 2025
Planned Features:
- Card-specific cashback rewards rolling out
- Spritz Points redemption utilities
- Full 50-state US coverage
Recent Updates:
- International rollout officially live as of June 25, 2025
- Physical card Alpha batch shipped November 2025
- Spritz Points introduced March 2024
Card launched: Initially launched in 2023, expanded rollout in 20
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