Hyperbeat Pay Card vs Krak Card
Krak Card scores higher on the G2M score: 60/100 against 22/100 (#20 and #36 of 36 cards). Pick Hyperbeat Pay Card for cashback and control of your funds; pick Krak Card for more countries.
#36 of 36 · 0.2% to 12% back · annual fee Not published
The short answer
- Krak Card scores higher on the G2M score: 60/100 against 22/100 (#20 and #36 of 36 cards).
- Hyperbeat Pay Card pays 0.2% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 12% on Hyperbeat Pay Card and 2% on Krak Card.
- Krak Card has no annual fee; Hyperbeat Pay Card does not publish its annual fee.
- Krak Card charges 1% on foreign currency; Hyperbeat Pay Card does not publish its FX fee.
- Krak Card lists 32 countries where it works; Hyperbeat Pay Card does not publish a full country list (1 confirmed so far). Of the markets we check for every card, only Krak Card is confirmed in United Kingdom and EU / EEA.
- Hyperbeat Pay Card is non-custodial; Krak Card is 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
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, Hyperbeat Pay Card or Krak Card?
Krak Card scores higher on the G2M score: 60/100 against 22/100 (#20 and #36 of 36 cards). Pick Hyperbeat Pay Card for cashback and control of your funds; pick Krak Card for 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, Hyperbeat Pay Card or Krak Card?
Krak Card has no annual fee; Hyperbeat Pay Card does not publish its annual fee. Krak Card charges 1% on foreign currency; Hyperbeat Pay Card does not publish its FX fee.
Which pays more cashback, Hyperbeat Pay Card or Krak Card?
Hyperbeat Pay Card pays 0.2% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 12% on Hyperbeat Pay Card and 2% on Krak Card.
Which works in more countries, Hyperbeat Pay Card or Krak Card?
Krak Card lists 32 countries where it works; Hyperbeat Pay Card does not publish a full country list (1 confirmed so far). Of the markets we check for every card, only Krak Card is confirmed in United Kingdom and EU / EEA.
Who holds my funds with Hyperbeat Pay Card and Krak Card?
Hyperbeat Pay Card is non-custodial; Krak Card is 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.