[ head to head ]

Krak Card vs XPlace Card

Krak Card scores higher on the G2M score: 60/100 against 57/100 (#20 and #22 of 36 cards). XPlace Card still comes out ahead on cashback, more countries and control of your funds.

Krak Card60

#20 of 36 · Up to 2% back · annual fee none

Get Kraken Read the review

XPlace Card57

#22 of 36 · 0.5% to 2% back · annual fee none

Get XPlace Read the review

The short answer

Krak Card scores higher on the G2M score: 60/100 against 57/100 (#20 and #22 of 36 cards).
XPlace Card pays 0.5% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 2% on Krak Card and 2% on XPlace Card.
Neither card has an annual fee.
Krak Card charges 1% on foreign currency; XPlace Card does not publish its FX fee.
Krak Card lists 32 countries where it works; XPlace Card does not publish a full country list (233 confirmed so far). Of the markets we check for every card, only XPlace Card is confirmed in UAE.
Krak Card is custodial; XPlace Card is non-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

Krak Card

XPlace Card

G2M score

Base cashback

Not published

0.5%

Max cashback

Paid in

Not published

USDC

Annual fee

Free

FX fee

Not published

Top-up fee

Per-purchase fee

None listed

ATM

Supported; fees not published

Not published

Network

Visa / Mastercard

Visa

Card type

Debit

Varies by region

Custody

Custodial

Non-custodial

Sign-up bonus (G2M link)

None published

No ID check

ID needed or not stated

Formats

virtual, physical

Apple / Google Pay

Yes / Yes

India

UAE

Yes

United States

Yes

United Kingdom

Yes

EU / EEA

Yes

Countries

Worldwide except 17 countries (including India, China, Turkey and Vietnam) and 19 US states

Bank account (IBAN or account number)

In your name

Not confirmed

Send money to a bank account

3 currencies

Not confirmed

Buy and sell crypto with fiat

Buy and sell

Not confirmed

Spend against crypto without selling

Yes

Yield on your balance

Yes

Tiers

Krak Card

Basic · Silver · Gold · Platinum

Perks

—

Credit Mode: spend against crypto or tokenized stocks without selling · Yield on deposits through Kamino · Airport lounges and fast track on paid plans · 24/7 human support · Spending up to $2,000 a month

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 XPlace Card?

Krak Card scores higher on the G2M score: 60/100 against 57/100 (#20 and #22 of 36 cards). XPlace Card still comes out ahead on cashback, more countries and control of your funds. 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 XPlace Card?

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

Which pays more cashback, Krak Card or XPlace Card?

XPlace Card pays 0.5% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 2% on Krak Card and 2% on XPlace Card.

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

Krak Card lists 32 countries where it works; XPlace Card does not publish a full country list (233 confirmed so far). Of the markets we check for every card, only XPlace Card is confirmed in UAE.

Who holds my funds with Krak Card and XPlace Card?

Krak Card is custodial; XPlace Card is non-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.