Spritz Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free |
| FX fee | No fee to spend or holdThe fine print
|
| ATM limit | Not published |
| Spending limit | No spending limit; loads capped at $5,000 per transaction, with no daily load count and no balance cap |
Fees change; the current ones are in Spritz’s terms.
Features
- Welcome bonus: $25 referral
- Cashback: 5% (travel sprees only)
The fine print
- 5% on airlines, hotels, restaurants and travel agencies during a 3-day "Shopping Spree": unlocked by loading $200+
- A second spree needs a single $1,500+ load
- Max 2 sprees per calendar month, capped at $20 per merchant and $40 per spree, paid as Spritz Credits
- Network: Visa Signature Credit
- KYC: Yes
- 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: United States, Canada, United Kingdom, Andorra, Australia, Austria, Belgium, Brazil, Cyprus, Czechia, Denmark, Finland…
Full list
… France, Germany, Gibraltar, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Arab Emirates
Who issues the Spritz Card
The Spritz Card is issued by Rain (Signify Holdings, Inc.), USA (New York) (Visa Principal Member (Mar 2025) + Mastercard Principal Member (4 May 2026); program manager turned named issuer on newer launches). The issuer is named in the source linked below. Spritz's help centre: "The Spritz Card is a real credit card, issued by Rain and powered by the Visa® network." No bank is named.
Primary source · All cards issued by Rain (Signify Holdings, Inc.) · Why the issuer matters
Supported cryptocurrencies
You can load the Spritz Card with crypto; the 4 assets we track for it are listed below.
Pros and cons
Pros
- Broadest crypto support (50,000+ tokens, 14+ chains)
The fine print
- Visa Signature perks with no staking and no tier
- 5% travel and dining cashback in load-triggered sprees
- No fee to spend or hold
- No card issuance fee
- No annual maintenance fee
- Welcome bonus: $25 referral
- Multi-chain top-up across 7+ networks
Cons
- Cashback only inside 3-day sprees and capped at $40 per spree (about $80/month)
The fine print
- Every load costs roughly 1%
- Funds loaded onto the card cannot be moved back to crypto
- US availability limited to 30 states
- Card balance is not FDIC-insured
- No IBAN or bank-account features
Regional availability
Available in 31 countries
31 countries: US, Canada, UK, EEA, Switzerland, Andorra, Gibraltar, UAE, Australia, Brazil.
Banking and fiat rails
Card overview
Spritz advertises 50,000+ tokens, and the number holds up: it supports the widest asset roster in our catalogue, across 14+ blockchains (Ethereum, Polygon, Arbitrum, Optimism, Base, zkSync, Avalanche, BNB Chain, Fantom, others). Visa Signature with hybrid custody: Spritz's own help centre calls it "a real credit card, issued by Rain", fully collateralised. Your crypto backs the line, and the balance you spend is fiat. Rewards exist now, but only in short bursts.
The 5% on airlines, hotels, restaurants and travel agencies runs only inside a three-day "Shopping Spree" you unlock by loading $200 or more; a second spree needs a single $1,500 load, two per calendar month is the ceiling, and the payout caps at $20 per merchant and $40 per spree. That's about $80 a month at the absolute top, paid as Spritz Credits. Spending and holding are free; loading is not. Every top-up runs roughly 1% (0.5% crypto-to-fiat plus 0.5% card-load, $2 minimum) and more on surcharged tokens.
Once funds are on the card you cannot move them back to crypto. Spritz serves 31 countries, and inside the US the card reached 30 states at launch. There is no IBAN or SEPA. The prepaid SpritzCard sold before June 2025 was a different product on a different rail, so old complaints about frozen balances are not about the card scored here.
Worth it for long-tail token holders who want Visa Signature perks without a staking tier; wrong card if you need an always-on cashback rate.
Common questions about the Spritz Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
