Krak Card vs Revolut Card: How do these debit cards compare?

If you’re comparing Krak vs Revolut, you’re likely looking for a modern card that blends everyday spending with digital assets, strong rewards and low fees.

Both Krak (powered by Kraken) and Revolut offer app-based financial tools with debit cards, multi-currency support and global acceptance. But they’re built differently in regards to cashback, fees, crypto functionality and overall positioning. Below, we break down Krak vs Revolut across several key areas.

The Krak Card is Kraken’s debit card, offering 1% cashback and designed to integrate directly with the broader Kraken ecosystem, including xStocks and Earn. Thanks to the various rewards and products available such as Krak Vaults* clients can make their funds go further and actively grow their wealth.

Krak supports spending across 600+ assets, including both cash and crypto, with automatic conversion at the point of sale. It runs on the Mastercard network and is accepted by more than 110 million merchants worldwide. The Krak Card is available in either orange, black or metal, with the Krak Metal Card soon unlocking additional benefits based on account activity and total assets held.

Revolut is a UK-based fintech platform that offers app-based accounts with debit cards, foreign exchange, budgeting tools and access to stocks and crypto, however the accessibility of which varies by region.

Revolut’s card works like a traditional prepaid or debit card, linked to your in-app balance. Users can hold and exchange multiple currencies and spend globally wherever Mastercard or Visa is accepted. Revolut also offers crypto access within the app. However, crypto functionality is generally separate from the card mechanics, and spending cryptocurrency typically involves converting it to fiat first.

Krak Card, by contrast, is built from the ground up as Kraken’s money app and card are specifically designed to let users spend, send and grow both cash and crypto in one unified experience. Instead of treating crypto as an add-on, Krak integrates it directly into everyday payments.

Krak offers both physical and virtual cards, with Plastic, Orange and a premium Krak Metal card. With Krak’s innovative tier system, the more you hold the more rewards you unlock.

Access to the Metal tier and maximum cashback requires an average of €50,000 in combined assets across Kraken, Krak and Kraken Pro. Unlike subscription-based upgrades, Krak Metal is positioned as something you unlock by holding assets, not something you simply purchase. This reflects Krak’s positioning that is aimed to support:

• Young professionals

• Those starting their wealth-building journey

• Crypto-natives

Krak’s various subscription tiers have the flexibility to appeal to people in different stages of their financial journey.

Revolut operates a tiered subscription model, typically including:

• Standard (free)

• Plus – €3.99 or £3.99 per month for EU and UK (unavailable in the US)

• Premium – €8.99, £7.99 or $9.99 per month

• Metal – €15.99, £14.99 or $16.99 per month

• Ultra – €60 or £55 per month for EU and UK (unavailable in the US)

Each higher tier increases limits, perks and benefits, but also increases monthly fees. Cashback, FX allowances and travel benefits typically depend on the level of paid tier. Some higher-tier plans include airport lounge access, travel insurance or lifestyle perks.

Fees are often the deciding factor in choosing what debit card is right for you. Revolut’s exact pricing structures depend on your location and subscription tier. In contrast, Krak’s fees are clear and flat across all subscriptions.

• Zero transaction fees
• Zero ATM withdrawal fees
• No monthly fees**

• Monthly subscription fees (on paid tiers)
• FX markups outside market hours
• ATM withdrawal limits depending on plan
• Crypto trading spreads

Krak’s perks are varied, efficient and functional, catering to a wide range of clients and use cases:

• Up to 1% instant cashback

• Earn up to 8% APY with Krak Vaults

• With no minimums, you can start compounding your assets from any amount

• Balanced and Boosted Strategies allow you to withdraw anytime and stay liquid

• Boosted cashback up to 6% when booking luxury travel through Krak Concierge^†

• Total spending control — exclude long-term holdings from being used

• KrakBacks reward your first sent payment of the day, every day

• Travel insurance
• Airport lounge access
• Lifestyle partnerships
• Discounted subscriptions to the likes of ClassPass and Financial Times

Instead of a loyalty program with points, Krak offers:

• Up to 1% cashback on card purchases

• This is paid instantly and in local currency or Bitcoin

• Some limits apply with minor exceptions on qualifying purchases

• Krak Concierge unlocks boosted cashback on travel:

  • 4% with the card

  • 6% with the Krak app

1% cashback applies until March 31, 2026, with your platform balance determining your cashback rate. A minimum transaction amount of €0.50 or £0.50 is required for cashback. Geographic restrictions and terms and conditions apply.

Krak cashback is instant, and can be paid in the client’s choice of currency, whether it’s cash or bitcoin. Krak prioritizes helping its clients make more from their money, with no upper limit on Krak cashback, and a user-friendly experience without complex point systems.

Revolut typically offers:

• Cashback only on select paid plans

• Often limited categories or international spend

• Rates that vary by tier and geography

Unfortunately, cashback may not apply universally to all purchases. And rather than direct cashback, users actually receive "RevPoints" for spending, which can then be redeemed for travel-related benefits such as airline miles, discounted hotel stays, and experiences.

The rate at which these are earned depends on the selected plan — with the Standard offering awarding one point for every €10/£10 spent, while Ultra users earn one point for every €1/£1. Cashback is available only to European users via Revolut Pro, which is designed for freelancers. The rate typically ranges from 0.4% to 1%, depending on the selected base plan.

Krak cards are:

• Powered by Mastercard

• Accepted by over 110 million merchants worldwide

• Available in physical or digital format

• Free plastic card

• Free metal card (when you qualify)

• Compatible with Apple Pay & Google Pay

What differentiates Krak:

Spend 600+ assets, including:

• BTC

• ETH

• SOL

• USDC

• USDT

• PUDGY

As well as 10+ fiat currencies:

• USD

• CAD

• EUR

• GBP

• And many more

Krak also includes:

• Instant conversion at checkout

• Multi-asset payments — combine up to 100+ currencies in a single transaction

• Smart spending controls — choose which currencies are spent first, or exclude certain currencies completely

Revolut supports multi-currency accounts, but Krak extends this directly into crypto and cross-asset spending logic — ideal for users holding diversified portfolios.

Revolut offers:

• Standard, Plus, Premium, Metal and Ultra level cards

• Apple Pay and Google Pay support

• Global acceptance

• Issued by Visa or Mastercard

Card aesthetics, costs and benefits vary by plan. Users can personalize their cards, get limited-edition designs, or access steel and platinum-plated physical options in the Metal and Ultra tiers respectively.

Both Krak and Revolut offer modern, app-first debit cards with global acceptance. Revolut may appeal to users who want a subscription-based model, prioritize travel perks, fiat currency exchange and prefer tiered lifestyle benefits.

Whereas, Krak appeals more to users who prefer no monthly fees, value multi-asset flexibility at checkout, already use Kraken, hold crypto and want instant cashback in BTC or their local currency. If your primary goal is finding the best crypto debit card for integrated, crypto-native spending, especially within the Kraken ecosystem, then Krak is built specifically for that use case.

Krak is generally better suited for crypto spending because it’s built to let users spend both fiat and 600+ crypto assets with automatic conversion at checkout. Revolut supports crypto in-app, but spending typically involves converting to fiat first. 

No, Revolut does not offer cashback on all plans. Cashback is typically available on paid subscription tiers, and rates vary depending on the plan and region. Free plans may have limited or no cashback benefits.

Yes, you can spend Bitcoin with Krak. The card converts BTC to the required currency in real time at checkout. This means you don’t need to manually convert Bitcoin before making a purchase.

• https://www.revolut.com/cards/

• https://www.revolut.com/how-we-keep-your-money-safe/

• https://www.revolut.com/a-radically-better-account/

• https://www.revolut.com/revolut-plus/

• https://www.revolut.com/revolut-premium/

• https://www.revolut.com/metal/

• https://www.revolut.com/ultra-plan/

• https://www.revolut.com/our-pricing-plans/

• https://www.kraken.com/krak

• https://www.kraken.com/krak/card

• https://www.kraken.com/krak/personal-account

• https://www.kraken.com/krak/payments

• https://www.kraken.com/krak/vaults

*Rewards are variable and not guaranteed; you can lose some or all of your assets. Interacting with on-chain smart contracts involves risks which are further detailed in the terms of service, including technological risk (bugs, exploits, and oracle/MEV/bridge failures), market risk (price volatility, de-pegs, and liquidation where relevant), and operational risk (irreversible transactions, gas fees, network congestion). Kraken does not control third-party protocols. Offered by Payward Wallet, LLC. Fees apply. Availability varies by jurisdiction.

**A variable spread will apply when spending across assets. Third-party ATM fees may apply.

^†Geographic restrictions apply. Krak Concierge booking processed via Entravel Holdings Ltd. (“Entravel”). Krak is not a travel agent and not the merchant of record for bookings. Krak does not supply the accommodation. Prices, taxes, fees, and refund policies are set by the provider. Cancellations and refunds follow the hotel and/or Entravel policy shown at booking. Instant buy/sell fees apply when you convert one asset or currency to another before making a transfer. Applicable fees will be shown before you make a transfer. Please see our fee schedule for more information. Krak may receive a commission from Entravel on completed stays.

In the UK, Krak Card is issued by Monavate Limited, authorised by the Financial Conduct Authority to carry on electronic money activities and related payment services (FRN: 901097). Payward Services Limited is authorised by the Financial Conduct Authority to carry on electronic money activities and related payment services under the Electronic Money Regulations 2011 (FRN: 1010381). E-Money services are not subject to protection under the Financial Services Compensation Scheme. Cryptoasset exchange and custody services are offered by Payward Ltd, registered as a cryptoasset firm with the Financial Conduct Authority (FRN: 928768). These services are unregulated and not subject to protection under the Financial Services Compensation Scheme. Note the value of cryptoassets can go down as well as up and gains may be subject to Capital Gains Tax. These materials are for general information purposes only and are not investment advice or a recommendation or solicitation to buy, sell, stake or hold any cryptoasset or to engage in any specific trading strategy.

In the EU, Krak Card is issued by UAB Monavate, authorised by the Bank of Lithuania to carry on electronic money activities and provide related payment services (authorisation code: LB002139). The e-money wallet associated with the KrakCard is provided by Payward Ireland Limited, trading as Kraken, is regulated by the Central Bank of Ireland. Spot trading services are offered by Payward Europe Solutions Limited t/a Kraken, regulated by the Central Bank of Ireland. These materials are for general information purposes only and are not investment advice or a recommendation or solicitation to buy, sell, stake or hold any cryptoasset or to engage in any sffding strategy. Kraken does not and will not work to increase or decrease the price of any particular cryptoasset it makes available. The unpredictable nature of the cryptoasset markets can lead to loss of funds. Tax may be payable on any return and/or on any increase in the value of your cryptoassets and you should seek independent advice on your taxation position.

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