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Kite Card vs Krak Card

Krak Card scores higher on the G2M score: 60/100 against 49/100 (#19 and #24 of 31 cards). Pick Kite Card for cashback and control of your funds; pick Krak Card for a lower FX fee and more countries.

Kite Card49

#24 of 31 · 0% to 5% back · annual fee none

Get KiteRead the review
Krak Card60

#19 of 31 · 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 49/100 (#19 and #24 of 31 cards).
  • Kite Card pays 0% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 5% on Kite Card and 2% on Krak Card.
  • Neither card has an annual fee.
  • Krak Card charges less on foreign currency: a 1% FX fee against 1.8%.
  • Krak Card is confirmed in more countries: 32 against 9. Of the markets we check for every card, only Krak Card is confirmed in United States, United Kingdom and EU / EEA.
  • Kite Card is self-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

Detail
Kite Card
Krak Card
G2M score
49
60 (better)
Base cashback
0%
Not published
Max cashback
5% (better)
2%
Paid in
USD
Not published
Annual fee
Free
Free
FX fee
1.8%
1% (better)
Top-up fee
0.53%
0% (better)
Per-purchase fee
None listed
None listed
ATM
Coming soon
Supported; fees not published
Network
Visa
Visa / Mastercard
Card type
Prepaid
Debit
Custody
Self-custodial
Custodial
Formats
virtual
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
No
No
United States
No
Yes
United Kingdom
No
Yes
EU / EEA
No
Yes
Countries
9
32
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
17 currencies
3 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
Not confirmed
No
Yield on your balance
Not confirmed
Yes
Tiers
Kite Card
Krak Card
Perks
Non-custodial Kite wallet · USD account to receive ACH and wires · Cash out to banks in 17 countries · 5% back on Grab, Travala, streaming, AI and creator subscriptions and Starlink until 30 Nov 2026 (no cap)
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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, Kite Card or Krak Card?

Krak Card scores higher on the G2M score: 60/100 against 49/100 (#19 and #24 of 31 cards). Pick Kite Card for cashback and control of your funds; pick Krak Card for a lower FX fee and 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, Kite Card or Krak Card?

Neither card has an annual fee. Krak Card charges less on foreign currency: a 1% FX fee against 1.8%.

Which pays more cashback, Kite Card or Krak Card?

Kite Card pays 0% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 5% on Kite Card and 2% on Krak Card.

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

Krak Card is confirmed in more countries: 32 against 9. 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 Kite Card and Krak Card?

Kite Card is self-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.