Krak Card vs Bitpanda Card
Krak Card scores 12/16, Bitpanda Card scores 11/16 on the CBL Card Score. Here is every criterion side by side.
 Krak Card |  Bitpanda Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 2 of 2 |
| Availability | 1 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 2 of 2 | 2 of 2 |
| Funding cost | 1 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 2 of 2 | 2 of 2 |
| Yield on idle balance | 1 of 2 | 1 of 2 |
| Total | 12 | 11 |
The short verdict: Krak Card leads overall (12 to 11). Custodial; e-money wallet safeguarded by Payward Ireland, 0% FX, Mastercard rate, no markup FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Krak Card | Starter 0%, Lite 0.5%, Pro 1%, Elite 1.5%, Max 2%, set by a 30-day rolling average balance across Krak, Kraken and Kraken Pro; paid in Bitcoin or fiat; new users may get the Max rate for the first 30 days, subject to geographic limits (official, Kraken Card FAQ, 8 Oct 2026). Blog says cashback is paid weekly (official, 13 Jul 2026). US page adds up to 6% on travel booked through Krak (official, krak.app/card). |
| Bitpanda Card | "All users receive a flat 1% cashback on eligible purchases paid with cryptocurrencies", paid in the same crypto (official, help centre FAQ, checked 20 Oct 2026). Purchases funded by EUR, precious metals, stocks or stablecoins (USDT, USDC, EUROCV) earn nothing (official). The card page metadata still reads "up to 2%", a leftover from the earlier BEST VIP scheme (official, checked 20 Oct 2026). |
Cashback is shown as a dated fact and never scored.