Krak Card vs Bitrefill Card
Krak Card scores 12/16, Bitrefill Card scores 6/16 on the CBL Card Score. Here is every criterion side by side.
 Krak Card |  Bitrefill Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 1 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 | 0 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 1 of 2 |
| Freeze and dispute policy | 2 of 2 | 1 of 2 |
| Yield on idle balance | 1 of 2 | 0 of 2 |
| Total | 12 | 6 |
The short verdict: Krak Card leads overall (12 to 6). 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). |
| Bitrefill Card | 1% on every crypto deposit and 1% on every purchase, "no cap", paid in EUR as Bitrefill store credit the same day the payment settles, no expiry (official, card page and card FAQ, checked 20 Oct 2026). Store credit buys gift cards, eSIMs and refills on bitrefill.com and cannot be withdrawn (official, FAQ). Bank withdrawals, cash-outs and ATM withdrawals earn nothing (official). Free eSIM of up to 20GB a month for depositing over €500 of crypto in the month (official, card page). |
Cashback is shown as a dated fact and never scored.