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DogPay Card vs Krak Card

Krak Card scores higher on the G2M score: 60/100 against 33/100 (#18 and #28 of 28 cards). Krak Card also comes out ahead on more countries.

DogPay Card33

#28 of 28 · Not published back · annual fee none

Get DogPayRead the review
Krak Card60

#18 of 28 · Up to 2% back · annual fee none

Get KrakenRead the review

The short answer

  • Krak Card scores higher on the G2M score: 60/100 against 33/100 (#18 and #28 of 28 cards).
  • Neither card publishes a cashback rate for its entry tier. Higher tiers go up to 2% on Krak Card.
  • Neither card has an annual fee.
  • Krak Card charges 1% on foreign currency; DogPay Card does not publish its FX fee.
  • Krak Card lists 32 countries where it works; DogPay Card does not publish a full country list. Of the markets we check for every card, only Krak Card is confirmed in United States, United Kingdom and EU / EEA.
  • Both are custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
DogPay Card
Krak Card
G2M score
33
60 (better)
Base cashback
Not published
Not published
Max cashback
Not published
2%
Paid in
Not published
Not published
Annual fee
Free
Free
FX fee
Not published
1%
Top-up fee
1%
0% (better)
Per-purchase fee
None listed
None listed
ATM
Physical card at supported ATMs; fee not published
Supported; fees not published
Network
Visa / Mastercard
Visa / Mastercard
Card type
Prepaid
Debit
Custody
Custodial
Custodial
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
No
UAE
Unclear
No
United States
Unclear
Yes
United Kingdom
Unclear
Yes
EU / EEA
Unclear
Yes
Countries
Depends on your region and identity checks; no country list published
32
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
1 currency
3 currencies
Buy and sell crypto with fiat
Sell only
Buy and sell
Spend against crypto without selling
Not confirmed
No
Yield on your balance
Yes
Yes
Tiers
Basic · Premium · Platinum · Ultra
Krak Card
Perks
Personal USD account (ACH, Fedwire, SWIFT) · 6% a year on stablecoins (Earn) · Card top-up fee 1% · $10 per virtual card · Up to 2 cards
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Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, DogPay Card or Krak Card?

Krak Card scores higher on the G2M score: 60/100 against 33/100 (#18 and #28 of 28 cards). Krak Card also comes out ahead on more countries. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, DogPay Card or Krak Card?

Neither card has an annual fee. Krak Card charges 1% on foreign currency; DogPay Card does not publish its FX fee.

Which pays more cashback, DogPay Card or Krak Card?

Neither card publishes a cashback rate for its entry tier. Higher tiers go up to 2% on Krak Card.

Which works in more countries, DogPay Card or Krak Card?

Krak Card lists 32 countries where it works; DogPay Card does not publish a full country list. Of the markets we check for every card, only Krak Card is confirmed in United States, United Kingdom and EU / EEA.

Who holds my funds with DogPay Card and Krak Card?

Both are custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.