Which is cheaper, Coinbase Card or Krak?

At $2,000 a month with 20% foreign spending and one $200 ATM withdrawal, Coinbase Card leaves $48 more per year. The result can change with your spending, so the comparison above lets you enter your own amount.

Can I use Coinbase Card and Krak in the same country?

Yes, in 1 of the 25 countries we track, including United States.

Is Coinbase Card or Krak safer?

Coinbase Card scores higher on our safety check (75/100 against 71/100). The score looks at licensing, custody, fund segregation, proof of reserves and incident history.

Which card has better cashback, Coinbase Card or Krak?

Coinbase Card pays variable, not published and Krak pays 0% to 2%. Caps, tier rules and fees decide what you keep, which is why the yearly figures above include both.

Coinbase Card vs Krak: Crypto Card Comparison of Fees, Cashback and Safety

Crypto card comparison
Feature	Coinbase Card	Krak
Countries offered	United States only	United States only
Card network	Visa	Visa
Custody	Custodial	Custodial
KYC	Full	Full
Top-up assets	USDC	USD, USDC, USDT, BTC, ETH
Top-up or conversion fee	0%	Not disclosed
FX markup	Not disclosed	1%
ATM fee	No card fee	No card fee
Annual fee (base tier)	Free	Free
Card issuance	Virtual Not disclosed · Physical Not disclosed	Virtual Free · Physical Free
Cashback	Variable, not published	0% to 2%
Apple Pay / Google Pay	Not listed	Apple Pay, Google Pay
Safety score	75/100 (better)	71/100
Overall rating	40/100 (better)	38/100
Get the card	Get Coinbase Card	Get Krak

Yearly cost at three spending levels

Monthly spend	Coinbase Card	Krak
$500	≤ $0 Crypto rewards	≤ -$12 Starter
$2,000	≤ $0 Crypto rewards	≤ -$48 Starter
$5,000	≤ $0 Crypto rewards	≤ -$120 Starter

Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.

Where the money goes at $2,000 a month

Line	Coinbase Card Crypto rewards	Krak Starter
Top-up and conversion fees	$0	Not disclosed
Spending fees	$0	$0
Foreign exchange markup	Not disclosed	-$48
ATM fees	$0	Not disclosed
Annual, monthly and subscription fees	$0	$0
Cashback	Not disclosed	$0
Net per year	$0	-$48

Fees

Coinbase Card charges 0% to convert or top up and Not disclosed on spending in a foreign currency. Krak charges Not disclosed and 1%.

ATM withdrawals: Coinbase Card no card fee; Krak no card fee.

A virtual card costs an undisclosed fee with Coinbase Card and nothing with Krak. A physical card costs an undisclosed fee and nothing. Neither card has an annual fee on its base tier.

Cashback and rewards

Coinbase Card cashback: Variable, not published. Krak cashback: 0% to 2%.

Coinbase Card tiers: Crypto rewards: rate not published.

Krak tiers: Starter: 0%; Lite: 0.5%; Pro: 1%; Elite: 1.5%; Max: 2%.

Coinbase Card: Rewards are paid in a crypto you choose from a rotating list. Coinbase describes the rate as variable and shows it only in the app.

Krak: The cashback rate depends on your 30-day average assets held with Krak, Kraken and Kraken Pro.

Availability and KYC

Coinbase Card is offered in one country, including United States. Available in every US state except Hawaii.

Krak is offered in one country, including United States. Available in all US states except New York, Maine, Massachusetts and Indiana. Krak publishes separate EEA and UK cards with different fees.

Coinbase Card needs full KYC and Krak needs full KYC.

The card finder checks both cards against your country, KYC level and must-have features.

Limits, wallets and card types

Coinbase Card does not publish fixed spending or ATM limits.

Krak does not publish fixed spending or ATM limits.

Coinbase Card does not list Apple Pay or Google Pay support, and Krak works with Apple Pay and Google Pay. Krak issues a virtual card you can use straight away.

Custody and safety

Coinbase Card scores 75/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through Pathward, N.A.. 2025-05-15: Overseas support staff bribed by criminals copied customer data for under 1% of monthly transacting users. Coinbase said no passwords, private keys or funds were exposed. The user agreement says customer digital assets are held for customers, are not property of Coinbase and are not subject to claims of Coinbase's creditors.

Krak scores 71/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through Lead Bank. 2024-12-12: An Australian court ordered Bit Trade Pty Ltd, Kraken's Australian operator, to pay AUD 8 million after an ASIC action over a margin product offered without a target market determination. Krak says account balances are not a deposit account and are not FDIC- or SIPC-insured. Kraken, Krak's parent, publishes a proof of reserves; the latest is dated 30 June 2026.

Full reports: Coinbase Card safety check and Krak safety check.

About each card

Coinbase Card is a custodial Visa card from Coinbase. It tops up with USDC.

Krak Card (US) is a custodial Visa card from Krak (Payward Interactive, Inc.). It tops up with USD, USDC, USDT, BTC and ETH.

Which card fits you

Coinbase Card fits if

Most of your spending is in your home currency, where its lower conversion fee counts most.
You live in United States, the only market it serves.
You weigh licensing and fund segregation heavily, since it scores higher on our safety check.

Krak fits if

You spend in foreign currencies often, since its FX markup is lower.
You live in United States, the only market it serves.
You want a higher cashback ceiling (up to 2%).

Coinbase Card vs Krak