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Rewards calculator

What each card pays you back in a year, minus every fee: plan, FX, per-purchase, small-purchase and top-up. Pick where you live: a card that bills in your currency charges no FX fee at home. Then compare tiers across up to three cards, or see one card line by line.

Where you live

Monthly card spend (USD)What you spend on the card each month

Currency split 80% in your own currency · 10% in US dollars online · 10% in other currencies Edit currency split

Your own currency80%Shops and bills at home. The rest of your spending.

US dollars online (%)Subscriptions and US shops

Travel and other currencies (%)Pays the card’s usual FX fee

Purchase sizes

20% of your spending in each of $200, $100, $50, $25 and $10 purchases

Count rewards at

Card

Which year

Year 2 onwards: yearly fees and ongoing rates only, no one-off fees or welcome offers.

Card 1

Card 2

Compare tiers across up to 3 cards

Tiers to compare

Tiers of Krak Card and OrbitX Card side by side
Card · tier	Rewards / yr	Plan and card fees / yr	FX cost / yr	Purchase fees / yr	You keep / yr	Notes
Krak CardMax (EEA, UK)BestFree	$240	$0	$0	$0	$240	Needs: €50,000 (or £50,000) average balance over 30 days
Krak CardMax (US)Free	$240	$0	−$12.00	$0	$228
Krak CardElite (US)Free	$210	$0	−$12.00	$0	$198
Krak CardElite (EEA, UK)Free	$180	$0	$0	$0	$180	Needs: €10,000 (or £10,000) average balance over 30 days
Krak CardPro (US)Free	$180	$0	−$12.00	$0	$168
Krak CardPro (EEA, UK)Free	$120	$0	$0	$0	$120	Needs: €1,000 (or £1,000) average balance over 30 days
Krak CardLite (US)Free	$120	$0	−$12.00	$0	$108
Krak CardLite (EEA, UK)Free	$60.00	$0	$0	$0	$60.00	€200 (or £200) average balance over 30 days
OrbitX CardNeo$12 a year	$0	−$12.00	−$24.00	−$84.00	−$120	Cashback rate not published
OrbitX CardLux$30 a year	$0	−$30.00	−$12.00	−$84.00	−$126	Cashback rate not published

Which one pays off at your spend

The best of the tiers shown at each monthly spend
Monthly spend	Best tier	You keep / yr
$250	Kraken Max (EEA, UK)	$60.00
$500	Kraken Max (EEA, UK)	$120
$1,000	Kraken Max (EEA, UK)	$240
$2,000	Kraken Max (EEA, UK)	$480
$3,000	Kraken Max (EEA, UK)	$720
$5,000	Kraken Max (EEA, UK)	$1,200
$10,000	Kraken Max (EEA, UK)	$2,400

Krak Card

Pro (EEA, UK) (free) beats Lite (EEA, UK) (free) once you spend $1 a month. Needs: €1,000 (or £1,000) average balance over 30 days.
Elite (EEA, UK) (free) beats Pro (EEA, UK) (free) once you spend $1 a month. Needs: €10,000 (or £10,000) average balance over 30 days.
Max (EEA, UK) (free) beats Elite (EEA, UK) (free) once you spend $1 a month. Needs: €50,000 (or £50,000) average balance over 30 days.
Lite (US) (free) never beats Max (EEA, UK) (free) with these settings (checked up to $100,000 a month).
Pro (US) (free) beats Lite (US) (free) once you spend $1 a month.
Elite (US) (free) beats Pro (US) (free) once you spend $1 a month.
Max (US) (free) beats Elite (US) (free) once you spend $1 a month.

OrbitX Card

Lux ($30/yr) beats Neo ($12/yr) once you spend $1,501 a month.

Worked out with all your other settings unchanged. Staking or lockups a tier needs are not counted as a cost; their value today is shown next to them. Compare these side by side: perks, caps and how to qualify

Missing figures are counted as zero and flagged in the notes. Spending caps, spend bands and small-purchase limits are applied where the issuer publishes them. Top-up fees are worked out on everything you load, including the money that goes on fees. How the calculator works. To see one purchase line by line, try the swipe receipt.