Krak Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	Krak Card 3.0/5 self_custodialmastercard	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	3.0/5	4.0/5
Fees
Monthly Fee	£0 / €0	No annual fees for base tier
Issuance Fee	Free	See card_tiers - varies by tier and region
Rewards
Max Cashback	1% on all eligible purchases	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Complete fee elimination across all transaction types (FX, ATM, annual, monthly) Generous uncapped 1% cashback with flexible payout options Robust regulatory compliance with MiCA authorization and FCA oversight Premium Mastercard World Elite benefits without staking requirements	Generous CRO cashback rates (up to 8% on everyday spending for Prime tier) Travel rewards program offering up to 15% back on travel spending No annual fees for base tier Subscription rebates for popular services (Spotify, Netflix, Truth+)
Cons	Geographic availability limited to UK and EEA only Post-promotional cashback structure uncertain after February 2026 No government deposit insurance protection Limited operational history as recently launched service	Substantial CRO token staking requirements for higher tiers (12-month lockup) Exposure to cryptocurrency volatility through staking model Rewards programs have been reduced over time Prepaid product requiring active top-up before spending