Spritz Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
Get Spritz CardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
Card Overview
50,000+ tokens. That's the headline, and it's accurate; Spritz supports the widest asset roster in our catalogue, across 14+ blockchains (Ethereum, Polygon, Arbitrum, Optimism, Base, zkSync, Avalanche, BNB Chain, Fantom, others). Visa Signature credit-style card with hybrid custody: you collateralise from your wallet, Spritz holds the spendable balance after conversion. Rewards is where it falls down. No cashback. A travel and dining program was announced and never launched, and Spritz help docs confirm the rewards layer isn't active. Conversion fees start at 0.5% and vary by token, network, and transaction size, but Spritz's own materials reference an average closer to 2%. That's the part you'll feel on every swipe. Spend cap $150,000/day in the US and Canada, $10,000/day internationally. Once funds are loaded onto the card, you can't move them back to crypto. The homepage promo gives new users 50% off conversion fees on the first $1,000 transacted. Available in 140+ countries. No IBAN. No SEPA. Worth it for long-tail token holders who need broad asset support and accept that the swipe cost is the whole product. Wrong card if rewards were the deciding factor.
Spritz Card delivers unmatched crypto versatility with support for 50,000+ tokens across 14+ blockchains including Ethereum, Polygon, Arbitrum, Optimism, Base, zkSync, Avalanche, and BNB Chain. Enjoy premium Visa Signature benefits for all users including trip protection, airport lounge access, and zero liability fraud protection, without staking requirements or membership fees. With industry-leading $150,000 daily limits in US/Canada, non-custodial approach where crypto stays in your wallet until card loading, and acceptance at 140+ countries globally, Spritz transforms any digital asset into purchasing power. Perfect for multi-chain DeFi users seeking maximum flexibility with premium perks, though note that loaded funds convert to fiat collateral and cannot be withdrawn back to crypto.
This is a Visa crypto card. It offers cashback rewards. Available to US residents. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | Conversion fee starting at 0.5% (varies by token/network/size, averaging ~2%); standard Visa Signature rates |
| ATM Limit | Expected with physical card |
| Spending Limit | US/Canada: $150000/day; International: $10000/day |
These figures can change. Confirm the current fees, FX and network in Spritz’s official terms before you apply.
Features
- Welcome Bonus: $25 referral
- Card Type: Virtual + Physical
- Top up with: 50000+ tokens across 14+ blockchains including Ethereum, Polygon, Arbitrum, Optimism, Base, zkSync, Avalanche, BNB Chain, Fantom
- Available Countries: Anguilla, Antigua and Barbuda, Argentina, Aruba, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Burundi, Cambodia, Cameroon, Canada, Cape Verde, Cayman Islands, Central African Republic, Chad, Chile, China, Comoros, Congo, Cook Islands, Costa Rica, Croatia, Cyprus, Czechia, Democratic Republic of the Congo, Denmark, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Falkland Islands, Fiji, Finland, France, French Guiana, French Polynesia, Gabon, Gambia, Georgia, Germany, Ghana, Granada, Greece, Greenland, Guadeloupe, Guam, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kiribati, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Macao, Macau, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Micronesia, Monaco, Mongolia, Montserrat, Morocco, Mozambique, Namibia, Nauru, Nepal, Netherlands, New Caledonia, New Zealand, Nicaragua, Niger, Nigeria, Niue, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Romania, Rwanda, Saint Barthelemy, Saint Helena, Saint Kitts and Nevis, Saint Lucia, Saint Martin, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Korea, South Sudan, Spain, Sri Lanka, Sudan, Suriname, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Turks and Caicos Islands, Tuvalu, Uganda, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Vietnam, Wallis and Futuna, Western Sahara, Zimbabwe
Banking & Fiat Rails
None (non-custodial card, no bank account)
Who issues the Spritz Card
Spritz Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Third National (Nimbus LLC), USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy — inferred from the program manager, not stated by the issuer itself. T&C names "Rain" only; bank not named.
All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Supported Cryptocurrencies
You can load the Spritz Card with crypto; the 4 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: 14+ networks: Ethereum, Polygon, Avalanche, BNB Chain, Arbitrum, Optimism, Base and more (50k+ tokens)
Who Is the Spritz Card Best For?
The Spritz Card is a good fit for active spenders who treat the rewards rate as the main reason to pick a card.
The Spritz Card pays up to 5% cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in 140+ countries, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn up to 5% cashback
- People who want a straightforward, app-managed crypto card
- US residents who want a crypto spending card
- Budget-minded users (no issuance or annual fee)
Avoid if
- You need full non-custodial control of your funds
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Spritz Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- Broadest crypto support (50k+ tokens, 14+ chains); Visa Signature benefits without staking; premium travel protections; no staking required
- Earn up to 5% cashback on eligible purchases
- No card issuance fee
- No annual maintenance fee
- Works wherever Visa is accepted worldwide
- Virtual card ready right away, no shipping wait
Cons
- No cashback/rewards; funds cannot be withdrawn back to crypto once loaded; collateralized prepaid model; 2.99% conversion fee
- Custodial: the issuer holds your funds
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the Spritz Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Spritz account
A few minutesGo to the Spritz website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerSpritz runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with 50000+ tokens across 14+ blockchains including Ethereum, Polygon, Arbitrum, Optimism, Base, zkSync, Avalanche, BNB Chain, Fantom through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Spritz Card shows up in the Spritz app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available in the United States
The Spritz Card is for US residents. Availability can vary by state because of money-transmission licensing. Check the issuer's site for your state.
Common questions about the Spritz Card
What are the fees for the Spritz Card?
How does the Spritz Card cashback work?
Where is the Spritz Card available?
What cryptocurrencies does the Spritz Card support?
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