CoinsOnCards

    Spritz CardReview

    Hybrid-custody Visa Signature credit card allowing spending from self-custody wallets across 14+ networks.

    3.5· Updated: International rollout officially live as of June 25, 2025
    Visit issuer
    Cashback
    Up to 0.00%
    Custody
    hybrid
    KYC
    full
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    Best for: Users spending from self-custody wallets across many chains (14+ networks).

    Skip if: You want cashback rewards or need to withdraw funds after loading.

    • Pay a 1% base conversion fee with a $2 minimum per load.
    • Supports Apple Pay and Google Pay for virtual card use.
    Get the Spritz Card

    How it works

    • <ul><li><strong>Virtual & Physical Cards:</strong> Immediate virtual card issuance, with physical cards available.</li><li><strong>Mobile Wallet Support:</strong> Integrates with Apple Pay and Google Wallet.</li><li><strong>Visa Signature Benefits:</strong> Includes airport lounge access, travel insurance, purchase protection, extended warranty, and 24/7 concierge service for all users without staking.</li><li><strong>Spending Limits:</strong> No formal spending limits; subject to available balance and issuer risk controls.</li><li><strong>Load Limits:</strong> $5,000 per load, with unlimited loads per day.</li><li><strong>ATM Access:</strong> Global ATM withdrawals available with the physical card.</li></ul>

    Funding: Crypto (50,000+ cryptocurrencies) · Non-custodial wallet connect via Spritz app or web dashboard

    Borrowing terms

    Interest: No revolving credit, interest charges, or monthly bills

    Operates as a pre-funded credit card that functions without revolving credit

    Custody & risk

    • If the issuer disappears
      If the provider disappears, any unspent balance on the card may be lost. However, any unconverted cryptocurrency in the user's personal wallet remains accessible.
    • Counterparty risk
      Once funds are loaded, they are held by the card issuer and no longer user-custodied
    • Market risk
      Taxable events created when converting crypto to fiat for card loads

    Users maintain control of crypto in their own self-custody wallets until the point of loading the card. When funding the card, crypto is converted to fiat and held by the card issuer. Once loaded, the funds are custodied by the issuer and cannot be withdrawn back to crypto.

    Protections

    • Zero liability fraud protection
    • Issuer fraud/risk controls

    Insurance & coverage: Travel insurance with trip delay coverage, emergency medical coverage up to $170,000, auto rental collision damage waiver, purchase protection, price protection, extended warranty

    Limits

    notes
    Load Limits: $5,000 USD per individual load transaction; Daily Load Cap: Unlimited loads per day; Maximum Balance: No cap on total card balance
    daily spending
    No formal spending limits (subject to available balance and issuer fraud/risk controls)
    monthly spending
    No formal spending limits

    The good

    • Supports 50,000+ assets on 14+ networks.
    • 0% foreign exchange fees on international transactions.
    • Supports Apple Pay and Google Pay.

    The catches

    • Minimum $2 fee per card load.

    Limitations

    • majorLoaded funds cannot be withdrawn back to crypto once loaded to the card
    • moderateCard-specific cashback rewards still rolling out (limited details available)
    • moderateSpritz Points not yet redeemable; redemption utilities to be shaped by user feedback
    • moderateCurrently available in only 33 US states (expansion ongoing)
    • moderateCreates taxable events when converting crypto to fiat
    • minorMinimum $2 fee per card load

    What users say

    App Store
    3.4/5.0 (10 ratings)
    Trustpilot
    3.8/5.0 (253 ratings)

    Rating breakdown

    Net reward
    0.0
    Custody risk
    3.5
    Availability
    4.5
    User experience
    3.8
    Features & convenience
    4.5

    See our methodology for how we score each axis.