spritz card Any wallet. Any chain. One card.
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | YES |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL, PHYSICAL AND CREDIT |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | UNLIMITED |
- Cashback is NOT always-on, 5% only activates during 3-day Shopping Sprees unlocked by card loads ($200+ for 1st, $1,500+ for 2nd); max $40/spree (max 2 sprees/month), $20/merchant.
FEE STRUCTURE: Base fee 0.5% (US/CA) or 1% (ROW). Card load adds +0.5% surcharge. Token/network adjustments: USDC on L2s = cheapest, Bitcoin +1.5%, XRP +1.5%, SUI non-USDC +2%. Always use USDC on L2s for lowest fees.
THE REAL STORY ON THIS CARD.
- 5% cashback on travel, dining & hotels, Shopping Spree model (3-day windows, max $40/spree, 2 sprees/month)
- Supports 50,000+ tokens across 13 blockchains
- No staking or lockups required
- No spending limits on card (US); $10,000/day (Canada/ROW); $1M single purchase max
- No fees for spending on card or account maintenance
- Visa Signature benefits by default (lounge access, trip insurance, purchase protection, concierge)
- Non-custodial
- $150K daily on-ramp + $20K/transaction off-ramp from Day 1 (US/CA)
- Physical card: limited US alpha (first 3,000)
- Cashback capped at $40/spree (max 2 sprees/month)
- Cashback only during 3-day shopping windows, must plan purchases around card loads
- Card load limit: $5,000 per transaction
- Non-US spending limit: $10,000/day; $10,000 max card balance (Canada/ROW)
- Visa exchange rate markup (~0.5-1%) applies on non-USD transactions (Spritz charges $0 FX fee)
- ATM limits not disclosed
- Cannot use at EU merchants using 3DS verification
GENERAL QUESTIONS.
Spritz is your go-to app for high performance and high transaction limits, all with low, transparent fees. Our fees start at just 0.5% for crypto-to-fiat transactions, and there are no charges for spending with your SpritzCard or account maintenance. Additional fees may apply depending on the transaction type, token, network, or size. For a full breakdown,
At Spritz, our motto is “Any token, any bill, anywhere.” We support a wide range of tokens across popular networks, including Bitcoin, Solana, Ethereum, Polygon, and more, allowing you to pay bills seamlessly no matter where you are. Token and network availability may vary by location.
Yes! Spritz is incorporated in the United States as a C Corporation and funded by venture capital investors. We are registered with FinCEN, licensed as a Money Transmitter (MTL), and fully compliant with all applicable regulations. Our priority is to operate securely and transparently within the regulatory frameworks that protect our users.
Spritz is committed to respecting your privacy and protecting your data. We do not share your information with third parties or report your data unless required to comply with legal obligations. If a law enforcement agency or regulatory body formally requests information, we assess each case carefully to meet legal standards. Rest assured, Spritz values your privacy and security as essential to our service.
Yes. The Spritz Card is a real credit card, issued by Rain and powered by the Visa® network.
It’s a fully collateralized credit card, which means you're not borrowing against a traditional credit line. Instead, you’re using your crypto to secure your spending.
How it works
When you use the Spritz Card, you authorize us to lock an equivalent amount of your crypto as collateral. You can then spend in USD anywhere Visa is accepted—online or in-store. Your crypto is never spent directly at the point of sale, and there’s no need to convert it manually.
What makes it different from a traditional credit card?
No interest
You’re not borrowing beyond what you’ve already backed with your crypto.
No credit check
Your approval is based on your crypto, not your credit score.
No monthly bill
Since your spending is fully secured, there’s nothing to repay later.
Instant access
Top up and spend right away—just like any modern card.
