Kraken Debit Card vs Revolut
How does Kraken Debit Card compare to Revolut? A side-by-side look at fees, rewards, custody and availability.
Higher score: Kraken Debit Card · provisional, see how we rate
Quick answer. Kraken Debit Card and Revolut are both crypto cards — here's how they differ. Key differences: foreign-spend fee (Kraken Debit Card: No FX markup (passes Mastercard exchange rate without markup); a variable spread applies when spending across assets vs Revolut: No exchange fees on crypto card payments; fair-usage fees may apply depending on plan. No crypto custody fees). Our provisional scoring rates Kraken Debit Card higher (8/10 vs 6.3/10), but the best pick depends on your country and how you spend.
| Feature | Kraken Debit Card | Revolut |
|---|---|---|
| Our score | 8/10 | 6.3/10 |
| Type | Debit | Debit |
| Networks | Mastercard (UK/EEA); Visa (US Krak Card) | — |
| Rewards | UK/EEA: tiered cashback 0%-2% by 30-day rolling balance (Starter 0%, Lite 0.5%, Pro 1%, Elite 1.5%, Max 2%), payable in Bitcoin or fiat; US Krak Card: up to 2% cashback, up to 4% boosted on travel via Krak Concierge | Not for crypto card spend. Plan-based cashback exists (e.g. Metal: up to 1% outside Europe, 0.1% within Europe), payable in fiat or 5 cryptocurrencies incl. Bitcoin |
| Annual fee | None (no monthly or annual fees) | — |
| FX fee | No FX markup (passes Mastercard exchange rate without markup); a variable spread applies when spending across assets | No exchange fees on crypto card payments; fair-usage fees may apply depending on plan. No crypto custody fees |
| ATM fee | No Krak ATM withdrawal fees; third-party ATM operator fees may apply | — |
| KYC | Full | Full |
| Custody | Custodial | Custodial |
| Supported coins | 600+ cash and crypto balances available on Kraken (not all usable for card transactions); cashback in Euros, Pounds or Bitcoin | 300+ cryptocurrencies available to buy/hold |
| Availability | UK and EEA (Mastercard); US Krak Card available in most US states except New York, Maine, Massachusetts, Indiana | Broad (US, UK, EEA and others) — exact list not confirmed on fetched pages |
| Apple / Google Pay | Yes | — |
Kraken Debit Card vs Revolut: How to Choose
When comparing the Kraken Debit Card and Revolut, it’s important to note that they cater to different needs within the crypto space. The Kraken Debit Card is designed specifically for crypto enthusiasts looking to maximize rewards on their spending, while Revolut is a broader fintech platform that offers crypto functionality alongside traditional financial services. Your choice will depend on your priorities, such as rewards, geographic availability, and the extent of your crypto integration.
Choose Kraken Debit Card if…
- You want cashback on your crypto card spend: The Kraken Debit Card offers tiered cashback of up to 2% on transactions, which can be paid out in Bitcoin or fiat. This is a significant advantage for those looking to earn rewards on their everyday spending.
- You prefer no foreign exchange markup: The card passes through the Mastercard exchange rate without any markup, making it a cost-effective option for international spending.
- You are based in the UK, EEA, or specific US states: The Kraken Debit Card is available in the UK, EEA, and most US states except for New York, Maine, Massachusetts, and Indiana.
- You are comfortable with full KYC: The card requires a verified Kraken account, which means you need to complete full KYC (Know Your Customer) verification.
- You want flexibility in cashback payout: The ability to receive cashback in either Bitcoin or fiat provides flexibility depending on your financial strategy.
Choose Revolut if…
- You want a broader range of cryptocurrencies: Revolut offers access to over 300 cryptocurrencies, making it a versatile platform for buying and holding various digital assets.
- You need a regulated fintech solution: As a mainstream, regulated fintech company, Revolut provides a secure and compliant environment for managing your finances and crypto.
- You require high per-transaction limits: Revolut allows for high spending limits, up to £100,000 per transaction, which can be beneficial for large purchases.
- You are looking for a crypto-friendly all-rounder: While not a dedicated crypto-spend card, Revolut offers crypto functionality alongside traditional financial services, making it a good choice for those who want a comprehensive financial app.
- You are not as focused on cashback rewards: Revolut does not offer cashback specifically on crypto card payments, so if rewards are a priority, the Kraken Debit Card might be more suitable.
Bottom line
The Kraken Debit Card is ideal for those who prioritize cashback rewards and want a card that integrates seamlessly with their crypto holdings. It is a strong choice for users in the UK, EEA, and select US states who are comfortable with full KYC and want to earn rewards in Bitcoin or fiat. On the other hand, Revolut is better suited for users who want a comprehensive fintech solution with a wide range of cryptocurrencies and traditional financial services. It is a good option for those who value flexibility and a regulated environment but do not require cashback on their crypto spending. For more detailed comparisons, visit our how we rate page.