Krak Card (US)
Issued via Lead Bank · Card currency USD
- Custody
- Custodial
- Network
- Visa
- Card types
- Virtual + physical
- Card product
- Debit
- Wallets
- Apple Pay, Google Pay
Shipping countries are not published.
Verified · last checked 15 Oct 2026 against 4 official pages · aging
Facts reviewed by Andrew L.
Review
What it is
Krak Card (US) is a crypto card that comes as a virtual and a physical card. It is a debit card. It is issued by Lead Bank. Payments run on the Visa network. The card currency is USD.
Funding and spending
The company holds your balance, and the card spends from it. It can be funded with crypto or with fiat money. You can top it up by crypto, bank transfer and debit or credit card. You can reload it after the first load. Spends from your Krak balances across 600+ currencies, in the order you choose; digital assets are converted to USD at purchase.
Fees
It has no card issuance fee. It has no annual fee. It has no monthly fee. The foreign currency fee is 1%. The top-up fee depends on tier and country. It has no ATM withdrawal fee. Some of these fees have conditions, which are listed in the fees table on this page. We have not verified the crypto conversion spread yet.
Limits and rewards
You can withdraw cash at ATMs. It pays 0% to 2% back on card spend, depending on tier. It works with Apple Pay and Google Pay.
Signing up
You can apply in the United States. Where the issuer states who can apply, you need to be a resident of the country.
How we check
We last checked this card on 15 Oct 2026, against 4 official issuer pages. The tables below show the source and the check date of every value we have verified.
Tiers compared
| Fee or limit | Debit card or Apple/Google Pay | Max | Elite | Pro | Lite | Starter |
|---|---|---|---|---|---|---|
| Top-up | USD 0.25 + 3.75% | Not verified | Not verified | Not verified | Not verified | Not verified |
| Back on card spend | Not verified | 2% | 1.5% | 1% | 0.5% | 0% |
Fees, limits and the reward rate for each tier. A cell that says Not verified has no checked figure yet.
Pros and cons of Krak Card (US)
Pros
- No annual or monthly fee
- Low foreign exchange fee: 1%
- No card issuance fee
- Works with Apple Pay and Google Pay
- Comes as a virtual and a physical card
Cons
- So far we have verified it in the United States only
- Custodial: the issuer holds your funds
Who it suits
- Frequent travellers, as foreign exchange fees are low
Built only from facts we have verified. Anything we have not verified is left out.
Fees
Amounts in the card currency, as the issuer publishes them?
?
Limits
Rewards
Top-up assets and networks
Spends from your Krak balances across 600+ currencies, in the order you choose; digital assets are converted to USD at purchase.
Access and funding
Where it's available
Applying for the card and using it are tracked separately.
Shipping countries are not published, so there is no shipping column.
Rules the issuer states
- Use your Krak Card anywhere Visa debit cards are accepted, including online, in stores, and at ATMs in more than 200 countries and territories worldwide.Checked 03 Oct 2026agingsource
Every country below was checked against the same source:Checked 03 Oct 2026agingsource
No country matches your search.
No information for 5 countries yet
Frequently asked questions about Krak Card (US)
Who issues Krak Card (US)?
Krak Card (US) is issued by Lead Bank. Payments run on the Visa network.
Is Krak Card (US) a virtual or a physical card?
Krak Card (US) comes as both a virtual and a physical card.
Can I withdraw cash from an ATM with Krak Card (US)?
Yes. You can withdraw cash at ATMs. Krak Card (US) has no ATM withdrawal fee.
How do I top up Krak Card (US)?
You can top it up by crypto, bank transfer and debit or credit card. The top-up fee depends on tier and country.
Does Krak Card (US) work with Apple Pay and Google Pay?
It works with Apple Pay and Google Pay.
Which crypto can I use with Krak Card (US)?
Spends from your Krak balances across 600+ currencies, in the order you choose; digital assets are converted to USD at purchase.
Does Krak Card (US) have an annual fee?
No. Krak Card (US) has no annual fee.
What does Krak Card (US) charge on payments in a foreign currency?
The foreign currency fee is 1%. The conditions are listed in the fees table on this page.
Does Krak Card (US) pay cashback?
Yes. It pays 0% to 2% back on card spend, depending on tier.
In which countries can I apply for Krak Card (US)?
You can apply in the United States.
Sources
- Fees pagePricingkrak.appChecked 07 Oct 2026
- Supported countriesGetting started krak cardsupport.kraken.comChecked 07 Oct 2026
- Cardholder termsIssuing Bank Terms Lead Bank Krak Cardassets.ctfassets.netChecked 15 Oct 2026
- Other official pageCardkrak.appChecked 15 Oct 2026
- Cardholder termsCard termskrak.app
- Other official pageApple paykrak.app
- Cardholder termsCard termskrak.app