Spritz Card — what it is, what it costs, and who it actually serves

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Spritz card is a Visa Signature product that spends directly from a crypto balance you control. You load it from your own wallet, the conversion to USD happens at the moment of deposit, and then you spend like any Visa card, including through Apple Pay and Google Pay. That model, self-custody in, fiat balance out, is the heart of what makes Spritz different from most crypto cards on the market.

The conditions described here are current as of October 28, 2026.

Verdict

Spritz scores 7.4 out of 10 in my assessment. The strengths are clear: no card spending fees, broad chain support, and a genuine self-custody design. The weaknesses matter too: the card issuer is not named publicly, card balances cannot be returned to your wallet, and the physical card is a limited release, at least for now.

The card suits self-custody holders who already hold USDC or USDT across multiple chains and want to spend that balance without selling it on an exchange first. It suits people in countries or situations where getting an ordinary bank card is hard. It does not suit anyone who wants a named, regulated bank behind their card, anyone who needs to move large sums, and anyone who assumes card balances are as recoverable as a bank deposit.

If you already keep USDC in Arbitrum, Base, Solana, or Tron, and you want a card that draws on that without an exchange, Spritz is one of the more straightforward options. If you need a clearly identified bank behind your card, or you want to load it in fiat directly, other products will fit better.

Who Spritz will give the card to

Spritz determines eligibility by where you live, not by what passport you hold. In their own words, the card “works off of your residence versus your citizenship,” and the blog describes support across “many international countries and territories.” The full list lives in the help-centre country table. Unlisted countries are unsupported, and Nigeria currently needs conditional approval.

Unofficial reporting puts the number at 42 countries, including the United States (though limited to 30 states), and names Belarus, Cuba, Iran, North Korea, Russia, Syria, and Venezuela as restricted. Those restrictions are not confirmed by Spritz directly, so I would treat the country list as a starting point rather than a guarantee, and check the help centre before you sign up.

The minimum age is 18. You need a verified Spritz account, which means uploading a government photo ID, going through identity checks, and, where the system flags you, waiting for manual verification by support. Unofficial sources describe the data collected as government photo ID, phone number, legal name, date of birth, ID number, address, and a live face check. Partner screening may also add citizenship, passport, or address checks. None of that is unusual for a regulated card programme, but it is worth knowing what to expect.

There are no KYC tiers, no bronze/silver/gold levels. The limits are flat across the board and cannot be raised at this time (more on that in the costs section).

How to get the card

Sign-up is web-based through the Spritz app, which you reach at app.spritz.finance/card. The flow is: create an account, complete identity verification, activate the card in the app, and then start loading it from your wallet. Activation is described as taking “in minutes” once your documents are in order.

The card is positioned as “the premium Spritz Card” and runs on the Visa Signature network, which brings the usual Visa Signature benefits, including lounge access, travel insurance, and purchase protection. The API documentation describes both virtual and physical card types, and funds added to the SpritzCard are denominated and stored in USD.

What is not stated is a public price for the physical card, a delivery schedule, or a replacement fee. Unofficial reporting, from CryptoCardHub in August 2026, says the physical card is a limited release with a 3,000-card Alpha allocation for US customers, and that no price or delivery timeline has been published. That is consistent with Spritz calling the product a “premium” card but staying quiet on the production cost, so I would assume the physical card is harder to get than the virtual one until Spritz says otherwise.

Processing time and reasons for rejection are officially not stated. If your verification stalls, the only public support routes are [email protected], the in-app support chat, and a “Book a call” form, and the hours for all three are not published.

What the Spritz card really costs in fees

This is where the card is most attractive, and also where the gaps in the published pricing matter. Spending on the card and maintaining the account are free. The issuance fee is not stated officially, and unofficial sources say it is $0.

The cost of using Spritz lives in the top-up fee, not the spending fee. The base rate is 1% on every load, made up of a 0.5% base fee and a 0.5% virtual card load fee, with a $2 minimum per load. On top of that base, different tokens and networks add their own adjustment. Here is the full schedule from the official help centre:

The blog also notes that loading fees are waived for 30 days after launch, which is useful if you are signing up early.

Unofficial reporting says there is no Spritz fee on card purchases and that standard exchange rates apply abroad, but Spritz has not published a foreign-exchange fee of its own, so the true cost of paying in euros or pesos is not spelled out anywhere I can confirm.

A few everyday examples make the schedule more concrete:

• Loading $200 of USDC from Arbitrum to top up the card. The base 1% fee is $2.00. The $2 minimum is exactly that, so you pay $2.00, and you end up with $198 of card balance.
• Loading $200 of USDC from Ethereum. The base 1% plus the 0.5% Ethereum adjustment gives 1.5%, which is $3.00. You receive $197 of card balance.
• Loading $200 of USDT from Tron. The base 1% fee plus the 1.5% Tron USDT adjustment totals $5.00. You receive $195 of card balance.
• Spending $50 at a supermarket with the card. No Spritz fee. If your local currency is not USD, you will see the Visa or Mastercard wholesale rate, but no Spritz-side FX markup is published.
• Withdrawing $100 from a Visa ATM with the physical card. No Spritz fee is published. The ATM operator may charge its own surcharge, and your card issuer may charge a separate ATM fee, neither of which Spritz has documented.

The flat $10,000 daily limit and $10,000 maximum balance are the same in the US, Canada, and every other supported country. Unofficial reporting mentions a $5,000 maximum per load and no published spending cap, which conflicts with the official table, so I would treat the official $10,000 figures as the ones to plan around.

Network (gas) fees are separate from Spritz’s fees and are paid by you at the time of the on-chain transfer. If you send USDC on Ethereum during a busy period, that gas fee can easily be several dollars on top of the load fee, and it is the single most common reason a top-up ends up costing more than expected.

How to top up the Spritz card

Top-up starts in your own wallet, not in Spritz’s app. You send crypto from the wallet where you already hold it, and Spritz’s deposit rail converts it to USD and credits the card balance. The blog says the system accepts 50,000+ tokens across five chains; the help-centre fee table names Bitcoin, DASH, USDT and USDC on Tron, plus USDC on Arbitrum, Avalanche, Base, Optimism, Polygon, Solana, with further support on Ethereum, Sui, BSC, and Ripple.

In practice, the cheapest way to load the card is USDC on Arbitrum, Avalanche, Base, Optimism, Polygon, or Solana, where you pay only the 1% base fee. The most expensive paths are Sui SUI tokens, Tron USDT, and Bitcoin (which includes a $5 minimum). For larger loads, the network choice can make a meaningful difference to what ends up on the card.

A few rules of the road:

• The conversion happens at the quote Spritz gives you at the time of the deposit, not when you spend. Crypto price moves between the deposit and the purchase will affect the fiat value of your balance, but the spending side does not add an extra spread.
• Fiat top-up is not described. There is an on-ramp (bank or card to crypto) at a separate 1% flat rate, but that is a way to buy crypto first, not a direct fiat load.
• Minimum load amount: not stated. If the load is small, the $2 minimum fee can become a much larger percentage of the deposit.
• Card balances cannot be returned or transferred. Once the funds are on the Spritz card, Spritz says it cannot return or transfer them. They must be spent. There is an Off-Ramp for crypto that has not been loaded onto the card, but not for the card balance itself.
• If the card is closed, what happens to any remaining balance is not stated.

The irreversibility of the deposit is the single most important thing to understand about top-up. This is how self-custody works in general: blockchain transfers are irreversible, and once crypto is converted to a card balance, the path back is closed. Sending funds on the wrong network, or to an address the system does not recognise, can mean the funds are lost or require manual recovery with no guarantee.

Paying with the Spritz card day to day

In daily use, Spritz behaves like a normal Visa card. The virtual card works online and through mobile wallets; the physical card adds ATM access and in-store swipes or inserts. Apple Pay and Google Pay are both supported for online, in-store, and in-app payments, so you can leave the card in your phone for most situations.

The card network is Visa Signature, which means the usual Visa Signature benefits apply, including lounge access, travel insurance, and purchase protection. The card is “premium” in the marketing sense as well, which is the company’s positioning, not a paid tier. There is no Standard/Premium/Private split. There is also no cashback programme described in the official materials I read; unofficial reporting describes a “Shopping Sprees” programme offering 5% on airlines, hotels, restaurants, and travel agencies during a 3-day window, with caps of $20 per merchant, $40 per spree, and $80 per month, paid as withdrawable Spritz Credits. That is from a third party and not confirmed by Spritz, so I would not plan around it.

Blocked merchant categories are not stated officially. The help article notes that declines can come from merchant restrictions or from 3-D Secure, the Visa Secure protocol that challenges a cardholder with a one-time code or biometric check on online purchases. The card app is web-based at app.spritz.finance and is also available on iOS; an Android app is not mentioned. Unofficial app-store ratings are mixed, with App Store 3.2 out of 5 from 11 ratings on apps.apple.com as of 2026-10-21, and CryptoCardHub reporting 3.4 out of 5 from 10 ratings in August 2026. The small sample sizes mean those numbers are signals, not verdicts.

Refunds should process back to the card within 7 business days, and if they do not, the documented path is the in-app support chat. Spritz does not describe a separate chargeback process. Unofficial reporting says merchant refunds can take up to 30 business days, which is a long window if you are waiting on a chargeback dispute.

Card statuses in the app are active, frozen, not activated, and cancelled, with cancellation being permanent. PIN and card details are described as end-to-end encrypted in the app.

The single biggest practical limitation in everyday spending is the $10,000 daily cap. For ordinary groceries, transport, and online shopping, that ceiling is never a problem. For rent, business expenses, or larger purchases, it is, and the limit cannot be raised at this time.

What can go wrong with the Spritz card

A few risks are specific to Spritz; others are inherent to the self-custody card model.

The issuer is not named officially. Spritz is operated by Spritz Finance, and the card runs on Visa Signature, but the bank or e-money institution behind the card is not named in the public materials I could find. Unofficial reporting, from CryptoCardHub in August 2026, says the card is “powered by Rain” and issued through licensed partners by jurisdiction, with the institution still not named. The Visa Signature network is regulated and the card benefits are real, but the lack of a named issuer means there is no specific banking licence you can point to or look up on a regulator’s register. That matters if you are choosing between cards and want to verify the licence yourself.

Card balances cannot be returned. This is the most important behavioural fact about the card. Once crypto is loaded and converted to USD on the SpritzCard, the only way to use it is to spend it. There is no path back to your wallet and no path to a bank account from the card balance. If you over-deposit, the excess sits on the card until you spend it. If the programme shuts down, you may have a narrow window to spend the remaining balance.

Programme closures have happened to other crypto cards. Visa terminated its global agreements with FTX in November 2022, and the FTX US debit card was wound down by its issuer. WaveCrest, which supplied crypto card brands in Europe, was suspended by Visa in 2018, closing every WaveCrest-issued Visa programme. The pattern is: notice period, then spending stops, then a window to withdraw any remaining balance. A 2026 closure reported by a secondary source had new loads end 8 July 2026 and spending stop 8 August 2026; that is a single source, so treat it as an example of the pattern, not a confirmed timeline for any specific programme.

The physical card is in limited release. Unofficial reporting says the physical card has a 3,000-card Alpha allocation for US customers, with no published price, delivery time, or replacement fee. If you need a physical card, expect to wait or to start with the virtual one.

Customer support is web-based. Email at [email protected], in-app chat, and a “Book a call” form. Hours are not published. If something goes wrong on a weekend or a holiday, your only option may be to wait.

Self-custody has its own risks. With a self-custody-linked card, your funds stay in your own wallet until the moment of payment, which is the upside. The downside is that you bear the responsibility for key loss, phishing, and clipboard-hijacking malware that swaps copied addresses. A stolen seed phrase has no built-in recovery, and the network cannot freeze or return the funds.

Rewards and cashback are limited. The official documentation does not describe a cashback programme, and the unofficial “Shopping Sprees” report is from a third party. If you are comparing cards on rewards alone, Spritz is not competitive.

Network fees can be significant. The Spritz load fee is published, but the on-chain gas fee you pay to move USDC from your wallet to Spritz is separate and is paid in the network’s native asset. On Ethereum during a busy period, that can add several dollars to the cost of a top-up. The cheapest networks to load from are typically Base, Arbitrum, Polygon, Avalanche, Optimism, and Solana, where gas is usually a few cents.

Stablecoins are not risk-free. USDC and USDT are designed to hold a stable value against the US dollar, but the name is more aspirational than absolute: TerraUSD collapsed in May 2022, and USDC briefly lost its peg in March 2023 during the US banking crisis. Tether has also disclosed that it disables tokens in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity, so stablecoins are not censorship-proof.

What to take instead of the Spritz card

Spritz is one option in a growing field, and the right alternative depends on what you are optimising for. Here are three cards from the same general category, each with a different emphasis.

TokenPocket (5.8/10) runs on Arbitrum and offers a Visa debit card in selected European countries (Germany, France, Spain, Switzerland, and others) and a Mastercard debit in Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea, the UK, and similar markets. Americas support was “planned for Q2 2025.” Balances are held in EUR24 and USD24 stablecoins. Card spending has no additional fees beyond a 1% deposit fee, which TokenPocket says will later be refunded through rewards or reduced transaction fees. There is no published cashback. The card is virtual; no physical version is mentioned. TokenPocket suits users already in the TokenPocket wallet ecosystem who want a simple, low-fee European or Asia-Pacific debit card.

MetaMask Card (7.1/10) is a Mastercard issued by Monovate, with Crypto Life as the card provider. Sign-up is open in 45 listed countries, including Andorra, Argentina, Brazil, Canada, Mexico, Germany, France, Spain, and Uruguay, with other regions on a waitlist. Proof of residency is required. The Virtual card is free, the Metal card costs $199 a year, and the card spends directly from a connected wallet on Linea, Base, Monad, or Solana, with named tokens including mUSD, wETH, EURe, GBPe, USDC, and USDT. Cashback is paid in mUSD into the Money Account: 1% on the Virtual card, headline 3% on Metal (footnote limits the 3% to the first $10,000 spent, then 1%). There is also a $FLY bonus of 5X (Virtual) or 7X (Metal) via the Blackbird dining app. The Metal card’s $199 fee is a real cost, but the rewards structure is more developed than Spritz’s, and the issuer is named.

KAST (6.1/10) offers three tiers: Standard (free), Premium ($1,000/year), and Private ($10,000/year), each with a Visa card (Platinum, Infinite metal, or Infinite gold plated). Stablecoin top-up, card spending in USD, Apple Pay, and Google Pay are all 0%, and the non-USD FX fee ranges from 0.5% to 1.75% depending on residence, transaction country, and card programme. Cashback is paid in USD: 1.5% on the first $2,000/month for Standard, 2% on the first $10,000/month for Premium, 3% on the first $40,000/month for Private, plus KAST Points on Premium and Private. Accepted stablecoins include USDT, USDC, PYUSD, and RLUSD on Ethereum, Solana, Polygon, Arbitrum, and Tron. KAST suits users who want a clearly tiered card with named Visa products and are willing to pay an annual fee for higher cashback.

In short: if you want free, self-custody-first, and broadly chain-agnostic, Spritz is competitive. If you want a named issuer and structured rewards, MetaMask Card is the closer fit. If you want a tiered card with substantial cashback, KAST is the relevant comparison, but the annual fee changes the maths.

Who I would recommend the Spritz card to

Spritz is at its best for a specific reader: someone who already holds USDC or USDT across multiple chains, prefers self-custody to leaving funds on a custodial platform, and wants a card that draws on that balance without an exchange step. The 1% base load fee on USDC via Arbitrum, Avalanche, Base, Optimism, Polygon, or Solana is competitive, and the breadth of supported networks means you can pick whichever chain your funds are already on.

It also works for people who cannot easily get an ordinary bank card, either because of where they live, because of how their income is structured, or because they do not have the documents a traditional bank wants. The card spends from a balance you control, and the identity check is a one-time hurdle, not a recurring one.

It is the wrong card if you want a named, regulated bank behind your spending. The issuer is not published, and the lack of a specific licence you can verify is a real gap. It is the wrong card if you need to move large sums, because the $10,000 daily limit and $10,000 balance cap cannot be raised. It is the wrong card if you assume the card balance works like a bank deposit, because it does not, and the only way out is to spend.

If those three gaps do not matter to you, Spritz is a flexible, low-cost self-custody Visa that does what it says it does. If any of them does matter, look at MetaMask Card for a named issuer and stronger rewards, or at KAST if you want a tiered card with higher cashback and a published FX fee.

Frequently asked questions

What is the Spritz card?

The Spritz card is a Visa Signature payment card that spends from a US dollar balance you load from your own crypto wallet. It is operated by Spritz Finance, supports both virtual and physical cards, and works with Apple Pay and Google Pay. Funds added to the card are denominated and stored in USD.

How does the Spritz card work?

You send crypto from your own self-custody wallet to the Spritz deposit address on a supported network. Spritz converts the crypto to USD at the quoted rate, credits the card balance, and the card spends that balance like any Visa. There is no exchange account, no custodial step, and no credit line, just a pre-loaded USD balance.

Is Spritz a bank?

No. Spritz is operated by Spritz Finance, a crypto company. The card itself runs on the Visa Signature network, and the issuing bank or e-money institution behind the card is not named in the public materials I could find. Unofficial reporting says the card is “powered by Rain,” but I did not see that confirmed by Spritz.

Who owns Spritz?

Spritz is operated by Spritz Finance. The ownership structure, investors, and parent company are not described in the official materials I read. The card is described as a Visa Signature product, and unofficial reporting suggests Rain is involved, but the issuing institution is not named by Spritz directly.

Is the Spritz card available in my country?

Spritz decides eligibility by where you live, not by your citizenship, and supports “many international countries and territories” according to the blog. The full list is in the help-centre country table; unlisted countries are unsupported, and Nigeria currently needs conditional approval. Unofficial reporting puts the supported list at 42 countries, with US access limited to 30 states.

How do I get a Spritz card?

Sign up at app.spritz.finance/card, complete the identity verification, and activate the card in the app. Activation is described as taking “in minutes” once documents are approved. You will need a government photo ID, address, and a live face check, with manual verification possible through support if the system flags your account.

Does the Spritz card require KYC?

Yes. You need a verified account before the card can be activated, which means uploading a government photo ID and going through the standard identity checks. Unofficial sources describe the data collected as government photo ID, phone number, legal name, date of birth, ID number, address, and a live face check.

How do I top up the Spritz card?

You send crypto from your own wallet to the Spritz deposit address on a supported network. Spritz converts the deposit to USD at the quoted rate and credits the card balance. The cheapest networks are typically Base, Arbitrum, Polygon, Avalanche, Optimism, and Solana, where the load fee is 1% with a $2 minimum.

Can I withdraw money from the Spritz card?

Card balances cannot be returned to your crypto wallet or transferred to a bank account. They must be spent. There is a separate Off-Ramp for crypto that has not been loaded onto the card, but not for the card balance itself. The physical card does work at supported Visa ATMs, but the fees are not published.

Is the Spritz card safe?

The card uses PIN and card details that are end-to-end encrypted in the app, supports instant freeze, and works with Visa Secure (3-D Secure) for online purchases. The main safety considerations are external: the issuer is not named publicly, the card balance is irreversible, and your crypto sits in your own wallet until deposit, so seed-phrase security and address-hygiene matter throughout. Programme-level risk is real across the category, with past examples like FTX and WaveCrest showing how quickly a card programme can shut down.

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