PAYY Card vs Spritz Card

Side-by-side comparison of 2 crypto debit cards

	PAYY Card 4.0/5 self_custodialvisa	Spritz Card 3.5/5 self_custodialvisa
Rating
Overall	4.0/5	3.5/5
Fees
Monthly Fee	$0	None
Issuance Fee	Free (virtual and physical)	Free
Rewards
Max Cashback	None - no traditional cashback rewards	Limited details available; cashback on travel and dining announced for physical card launch
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Zero monthly fees and zero transaction fees for purchases Privacy-preserving architecture shields transaction details from public view Self-custodial model gives users complete control over funds Global availability wherever Apple/Google app stores are accessible	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)
Cons	No cashback or traditional rewards program Physical card limited to contactless payments only (no chip/magstripe) Restricted to USDC stablecoin for card spending Self-custody requires managing recovery phrases (potential complexity for some users)	Card-specific cashback rewards still rolling out (limited details available) Funds cannot be withdrawn once loaded to the card Currently available in only 33 US states (expansion ongoing) Minimum $2 fee per card load