Spritz Card

The Spritz Card is a crypto-backed Visa card designed to let eligible users turn assets from their crypto wallet into everyday spending power. Spritz currently offers a virtual card and a limited-release physical card, with Visa Signature benefits on the premium programme.

The current card is fully collateralised rather than a conventional unsecured credit card. You fund or secure the card with crypto, and the available balance is then used for normal Visa purchases. Merchants receive a standard card payment and do not need to accept cryptocurrency.

Spritz is especially aimed at people who already hold assets on-chain. Its newer card programme supports funding from many tokens and networks, while the wider Spritz app also provides crypto off-ramping, bill payment and bank-transfer features.

Spritz's current Help Centre describes the card as a fully collateralised Visa credit card issued through Rain. It is not a traditional unsecured credit card because you are not borrowing against a normal revolving credit line or carrying an interest-bearing balance.

Instead, crypto value backs the spending. Spritz says there is no traditional credit check, no purchase interest and no monthly bill to repay in the usual credit-card sense. Earlier Spritz material sometimes described the product as a reloadable debit or pre-funded card, so the current fully collateralised credit-card documentation is the better description of the newer programme.

For users, the practical experience is closer to spending a funded crypto-backed balance than borrowing money from a bank.

Spritz is designed around connecting an external crypto wallet rather than requiring users to keep all of their assets on a centralised exchange. Its current card page says users can fund from their wallet across many supported assets and that self-custody remains with the user before funds are committed to card spending.

Once you load or collateralise the card, however, that value enters the card programme and is subject to Rain, Visa and Spritz's payment infrastructure. This is different from simply holding untouched assets in your own wallet.

The most accurate description is therefore that Spritz is wallet-connected and self-custody friendly, rather than saying every dollar of card spending remains fully self-custodial at every stage of settlement.

Spritz supports a very broad range of crypto assets for card funding. Its current product page advertises more than 50,000 tokens across multiple chains, while the Help Centre publishes network-by-network support for the SpritzCard.

Supported networks include major ecosystems such as Arbitrum, Avalanche, Base, Optimism, Polygon and Solana, with availability depending on the asset and country. Stablecoins such as USDC are widely supported, and the newer card programme also promotes funding with assets such as ETH.

Because token and network support changes frequently, check the live Spritz funding screen before sending assets. A token being supported elsewhere in Spritz does not automatically mean every network version can fund the card.

Spritz does not currently charge a separate fee when you make an ordinary card purchase, and it does not charge an account-maintenance fee. The main cost occurs when crypto is converted or loaded into the card.

Spritz says crypto-to-fiat fees start at 0.5%, but the exact cost depends on the token, blockchain, country and transaction type. For U.S. and Canadian users, the published schedule applies a card-load adjustment on top of the underlying crypto-to-fiat fee. Other supported countries use a separate regional fee schedule.

The simplest way to get the exact amount is Spritz's in-app Fee Calculator, which shows the card-load cost before the transaction. Network costs or foreign-currency conversion can still apply separately.

Yes, but Spritz's current headline cashback is promotional and category-specific rather than a permanent flat percentage on every purchase. The physical-card page currently advertises 5% back on eligible travel, dining and hotel spending during a three-day Shopping Spree unlocked after loading the card.

Rewards are paid as Spritz Credits. Spritz describes these as real-value credits that can be used in the app or sent to a bank rather than points that require staking or token lockups.

Because the offer is tied to a specific promotion and qualifying categories, users should not assume every Spritz Card purchase earns 5%. Check the live card page for the active reward window, eligible merchants and any campaign conditions before comparing it with a fixed cashback card.

Spritz's Help Centre currently says the card has no published spending ceiling beyond the available card balance. Card loads are limited to $5,000 per individual load, but Spritz says users can make multiple loads and does not publish a daily number-of-loads limit or a fixed maximum total balance.

That makes the card unusually flexible for larger users, but it does not mean every transaction is guaranteed to be approved. Visa controls, merchant restrictions, compliance checks and account-specific risk limits can still affect an individual payment.

Because Spritz is actively rolling out a newer premium card programme, check the limit shown in your account before a particularly large purchase.

Yes. The virtual Spritz Card can be added to Apple Pay and Google Pay, allowing eligible users to make contactless payments from a compatible phone or smartwatch as well as online purchases.

This is particularly useful because the virtual card can be available before or without a physical card. Spritz's current physical-card programme is still a limited release, while the digital card is the more broadly documented option.

Mobile-wallet payments use the same underlying Spritz Card balance and Visa rules as the card itself. If wallet provisioning fails, Spritz recommends contacting support because eligibility can depend on the card programme, device and region.

Yes, but the physical Spritz Card is currently being rolled out as a limited release. Spritz's current card page advertises the first 3,000 physical cards and lets eligible users claim one, while older Help Centre material still describes the product as virtual-first.

The physical version can be tapped, swiped or inserted at Visa merchants and comes with premium Visa Signature benefits. The virtual card remains available for online payments and mobile-wallet use.

Because the rollout is limited and regional, the physical-card option should be confirmed in your Spritz account rather than assumed to be available to every user who can access other Spritz services.

The premium Spritz Card includes Visa Signature benefits that are more extensive than the rewards offered by many basic crypto cards. Spritz highlights purchase protection, price protection, extended warranties, rental-car collision coverage and travel-related benefits.

Its current card page also promotes airport lounge access, trip-delay coverage, concierge services and hotel benefits. Exact eligibility, claim limits and exclusions depend on the specific Visa benefit and card programme.

These benefits can be valuable for travel or larger purchases, but they should be evaluated separately from Spritz's crypto conversion fees and cashback promotions. Always check the applicable Visa benefit terms before relying on a particular insurance or protection feature.

Spritz Card availability is much narrower than availability of the wider Spritz app. The current supported-country table lists the card in selected markets including the United States, Brazil, the United Arab Emirates, Australia, Argentina, Mexico and several countries in Latin America, the Caribbean, Africa and Asia.

Many European countries where Spritz offers bank off-ramping do not currently show card availability. In the United States, the card is still limited to supported states, although Spritz has been expanding coverage.

Eligibility also depends on identity, citizenship or passport factors and the card partner's compliance checks. The live onboarding flow is the final test for whether your account can receive a card.

Yes. Spritz requires identity verification before users can access card and other regulated payment features. The current verification flow asks for a government-issued photo ID, phone verification, personal information, address details and a live facial check.

This is separate from connecting a self-custodial crypto wallet. You can control your own wallet while still having to prove your identity to use the Visa card and Spritz's regulated conversion services.

Spritz advises users not to complete verification through a VPN and to make sure the information matches their official identification. Card availability can still depend on residence and other eligibility rules after KYC is complete.

Yes. Spritz says the card can be used at Visa merchants internationally, subject to the programme's geographic, merchant and compliance restrictions. The card balance is denominated in USD, so purchases in other currencies can involve local exchange or card-network conversion.

Spritz also blocks some merchant categories, including certain money transfers, financial institutions, quasi-cash transactions, crypto purchases and debt repayments. Older Help Centre guidance notes that some EU merchants using 3D Secure may not work with certain Spritz card configurations.

For travel, confirm the current card terms and foreign-currency pricing in your account and carry a backup payment method for merchants that reject the programme.

Create a Spritz account, complete identity verification and open the Card section once your account is approved. If the card is available in your country or U.S. state, follow the application flow and activate the virtual card or claim the physical card if your account is eligible for the limited release.

To spend, connect or use a supported crypto wallet and fund the card with an eligible token and network. Spritz converts or collateralises the required value for the USD-denominated card balance.

Before transferring a large amount, use the in-app Fee Calculator and confirm the supported token, network and card availability for your region.

For card, funding or transaction problems, use the official Spritz Help Center at https://help.spritz.finance or the support option inside your Spritz account. The Help Centre contains dedicated guidance for card fees, limits, mobile wallets, supported countries and payment troubleshooting.

For a merchant problem, keep the merchant name, amount, date and any decline message available. For a crypto funding issue, keep the transaction hash, asset and network information.

Never provide a wallet seed phrase, private key or one-time authentication code to someone contacting you unexpectedly. Spritz can investigate card or blockchain transactions without needing the credentials that control your wallet.