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Krak Card vs Pionex Visa Card

Krak Card scores higher on the G2M score: 60/100 against 49/100 (#18 and #22 of 28 cards). Pick Krak Card for more countries; pick Pionex Visa Card for cashback and a lower FX fee.

Krak Card60

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

Get KrakenRead the review
Pionex Visa Card49

#22 of 28 · 1% back · annual fee none

Get PionexRead the review

The short answer

  • Krak Card scores higher on the G2M score: 60/100 against 49/100 (#18 and #22 of 28 cards).
  • Pionex Visa Card pays 1% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 2% on Krak Card.
  • Neither card has an annual fee.
  • Pionex Visa Card charges less on foreign currency: a 0% FX fee against 1%.
  • Krak Card lists 32 countries where it works; Pionex Visa 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
Krak Card
Pionex Visa Card
G2M score
60 (better)
49
Base cashback
Not published
1%
Max cashback
2% (better)
1%
Paid in
Not published
USDT
Annual fee
Free
Free
FX fee
1%
0% (better)
Top-up fee
0%
0%
Per-purchase fee
None listed
1% + $0.20 at or under $5, first 1 a month free
ATM
Supported; fees not published
2% (physical card only; physical cards are not open to new applicants)
Network
Visa / Mastercard
Visa
Card type
Debit
Debit
Custody
Custodial
Custodial
Formats
virtual, physical
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
Unclear
UAE
No
Unclear
United States
Yes
No
United Kingdom
Yes
No
EU / EEA
Yes
Unclear
Countries
32
Most countries; not the US, UK, Canada, France, the Netherlands, Japan, Singapore, Hong Kong or mainland China
Bank account (IBAN or account number)
In your name
No
Send money to a bank account
3 currencies
Not confirmed
Buy and sell crypto with fiat
Buy and sell
Buy only
Spend against crypto without selling
No
Not confirmed
Yield on your balance
Yes
Yes
Tiers
Krak Card
Visa
Perks
—
5% a year on the card balance · Apple Pay and Google Pay · 5% a year on your card balance, paid hourly in USDT · Extra cashback at partner merchants through Pionex links

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, Krak Card or Pionex Visa Card?

Krak Card scores higher on the G2M score: 60/100 against 49/100 (#18 and #22 of 28 cards). Pick Krak Card for more countries; pick Pionex Visa Card for cashback and a lower FX fee. 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, Krak Card or Pionex Visa Card?

Neither card has an annual fee. Pionex Visa Card charges less on foreign currency: a 0% FX fee against 1%.

Which pays more cashback, Krak Card or Pionex Visa Card?

Pionex Visa Card pays 1% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 2% on Krak Card.

Which works in more countries, Krak Card or Pionex Visa Card?

Krak Card lists 32 countries where it works; Pionex Visa 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 Krak Card and Pionex Visa 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.