CoinsOnCards
All cards
Spritz Card logo
DeFi maxiPartnership with Rain (stablecoin-based card issuing platform)visa● Live

Spritz Card

Hybrid-custody Visa Signature credit card allowing spending from self-custody wallets across 14+ networks.

The Spritz Card is a fully-collateralized Visa Signature credit card designed to bridge the gap between cryptocurrency holdings and real-world spending. It operates as a pre-funded credit card that functions without revolving credit, interest charges, or monthly bills to pay.

Get this card

Affiliate link — CoinsOnCards may earn a commission. Reviews are independent. How we rate.

Best for

Users spending from self-custody wallets across many chains (14+ networks).

Skip if

You want cashback rewards or need to withdraw funds after loading.

Network
visa
Custody
hybrid
KYC
full
Max cashback
0.00%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes

The verdict

What we like
  • Supports 50,000+ assets on 14+ networks.
  • 0% foreign exchange fees on international transactions.
  • Supports Apple Pay and Google Pay.
Watch outs
  • Minimum $2 fee per card load.
  • Pay a 1% base conversion fee with a $2 minimum per load.
  • Supports Apple Pay and Google Pay for virtual card use.

Basic information

<ul><li><strong>Card Type:</strong> Collateralized Visa Signature credit card (Pre-Funded)</li><li><strong>Network:</strong> Visa</li><li><strong>Card Format:</strong> Virtual and Physical</li><li><strong>Availability:</strong> 140+ countries, including 33 U.S. states</li><li><strong>Key Feature:</strong> Supports spending from 50,000+ cryptocurrencies across 14+ networks by connecting a self-custody wallet.</li></ul>

Fees

<ul><li><strong>Card Issuance:</strong> Free</li><li><strong>Annual Fee:</strong> Free</li><li><strong>Base Conversion Fee:</strong> 1% (0.5% off-ramp + 0.5% card load), with a $2 minimum per load.</li><li><strong>Network/Token Surcharges:</strong> Fees vary by asset and network, e.g., 1% for USDC on Polygon/Arbitrum/Base, up to 3% for SUI token.</li><li><strong>Foreign Exchange Fee:</strong> 0%</li><li><strong>ATM Fees:</strong> None from Spritz (third-party operator fees may apply).</li><li><strong>Maintenance/Inactivity Fee:</strong> None</li></ul>

Spending & ATM 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

Features

<ul><li><strong>Virtual & Physical Cards:</strong> Immediate virtual card issuance, with physical cards available.</li><li><strong>Mobile Wallet Support:</strong> Integrates with Apple Pay and Google Wallet.</li><li><strong>Visa Signature Benefits:</strong> Includes airport lounge access, travel insurance, purchase protection, extended warranty, and 24/7 concierge service for all users without staking.</li><li><strong>Spending Limits:</strong> No formal spending limits; subject to available balance and issuer risk controls.</li><li><strong>Load Limits:</strong> $5,000 per load, with unlimited loads per day.</li><li><strong>ATM Access:</strong> Global ATM withdrawals available with the physical card.</li></ul>

Rewards

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.

Top-up & funding

  • Crypto (50,000+ cryptocurrencies)
  • Non-custodial wallet connect via Spritz app or web dashboard

Real-time conversion from crypto to fiat when funding

Security & custody

  • Zero liability fraud protection
  • Issuer fraud/risk controls

Risk note. If the provider disappears, any unspent balance on the card may be lost. However, any unconverted cryptocurrency in the user's personal wallet remains accessible.

Mobile wallets

Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported

Card tiers

Spritz Premium Card

Cashback
Cashback on travel and dining (details shipping soon)
Card material
High-quality plastic with premium branding
Monthly limit
No formal spending limits
Issuance fee
Free
Requirements
None (no staking requirement)
  • Full Visa Signature benefits by default
  • Spritz Points rewards
  • Airport lounge access via Priority Pass or LoungeKey
  • Travel insurance with trip delay coverage up to $500 for baggage delay, $1,000 for baggage loss
  • Emergency medical coverage up to $170,000
  • Auto rental collision damage waiver (global, 31-day trips)
  • Purchase protection for 180 days, $5,000 per incident, $10,000/yr cap
  • Price protection up to $500 per item, $2,000/yr
  • Extended warranty adds 1 year, up to $5,000/claim, $10,000/yr
  • Zero liability fraud protection
  • 24/7 Visa Digital Concierge service

Loan & credit features

Operates as a pre-funded credit card that functions without revolving credit

What users say

App Store
3.4/5.0 (10 ratings)
Trustpilot
3.8/5.0 (253 ratings)

Risks & limitations

Risks
  • CounterpartyOnce funds are loaded, they are held by the card issuer and no longer user-custodied
  • MarketTaxable events created when converting crypto to fiat for card loads
Limitations
  • moderateCard-specific cashback rewards still rolling out (limited details available)
  • moderateSpritz Points not yet redeemable; redemption utilities to be shaped by user feedback
  • majorLoaded funds cannot be withdrawn back to crypto once loaded to the card
  • moderateCurrently available in only 33 US states (expansion ongoing)
  • minorMinimum $2 fee per card load
  • moderateCreates taxable events when converting crypto to fiat

Roadmap

Recently shipped
  • International rollout officially live as of June 25, 2025
  • Physical card Alpha batch shipped November 2025
  • Spritz Points introduced March 2024
Planned
  • Card-specific cashback rewards rolling out
  • Spritz Points redemption utilities
  • Full 50-state US coverage

Best suited 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.

Our verdict

The Spritz Card is a fully-collateralized Visa Signature credit card designed to bridge the gap between cryptocurrency holdings and real-world spending. It operates as a pre-funded credit card that functions without revolving credit, interest charges, or monthly bills to pay.

Ready to apply for the Spritz Card?

We may earn a commission if you apply through this link. Our reviews remain independent.

Visit official site