TL;DR
- Krak launches its Visa debit card in the US on August 18, 2026, with up to 2% cashback in USD or BTC on everyday spending.
- Spend from dollars and 600+ other assets like Bitcoin, USDC, and more.
- No hidden fees, monthly fees, or annual fees. Free ways to deposit.
63% of surveyed Americans said they feel behind financially, compared to where they expected to be by now.* When you feel that way, you want the money you already have to do more: to work for you, not against you.
That’s what the Krak Card is built to do. It’s available now for customers in the US.
The only debit card you’ll ever need
Up to 2% cashback: Real money in US dollars or Bitcoin on everyday spending, not points, paid right after the transaction settles.
No hidden fees: No monthly fees. No annual fees. Free ways to deposit.
Spend 600+ currencies: Choose the order your balances are used at checkout. Keep the assets you want to hold untouched, and change your preferences anytime.
From setup to spending in minutes
Order your free card: Pick the card that fits how you spend: Orange or Black for everyday use, or work your way up to qualify for the Krak Metal Card. However you choose, it shows up at your door on us.
Activate with ease: No waiting on the mail to start spending. Add your Krak Card to Apple Pay or Google Pay the moment you get it, and you’re tapping to pay before you’ve even unboxed the physical card.
Use everywhere: From the corner coffee shop to a hotel halfway around the world, your Krak Card just works, in-store and online, across 200+ countries, at 150M+ merchants, with 2.5M+ ATMs on hand whenever you need cash.
Real cashback, not points that disappear
Most people don’t love their credit card rewards. 64% of surveyed Americans said they’re frustrated with credit card rewards, most often because points expire or are hard to cash in. And 57% said they’d rather have cash land straight in their account than get points, gift cards, or travel miles.
The Krak Card is built around that. There are no points to track and no rewards that expire. Your cashback is real money, paid in US dollars or Bitcoin, back in your account when the transaction settles.
Beyond everyday spend, get up to 6% back on travel. Krak Concierge unlocks exclusive rates at 2.2M+ hotels with up to 60% off, with cashback applied automatically at checkout.
No debt required
You don’t need a credit card to earn real rewards. 42% of credit cardholders said they’ve worried about paying off their balance at the end of the month, and 60% said they’d switch to a card that pays real rewards without asking them to borrow money. The Krak Card works with money you already have, so there’s nothing to pay back later.
Partners you can trust
Krak is built by Payward, the same company behind Kraken. The Krak Card comes from Lead Bank, and Stripe powers the technology behind it. It works on the Visa network, so you can use it just like any other card, almost anywhere in the world.
This isn’t new for Krak. Since its launch in November 2025, Krak has grown to over 125,000 cardholders across the UK and Europe. Now, for the first time, it’s available in the US.
More than just a card
The Krak Card is just the start of what you can do in the Krak app. You can also send money to friends and family right away, earn more on the money you hold, and use Krak Concierge to get extra cashback when you book hotels and trips.
Ready to get paid for spending money you already have? Open the Krak app to get your Krak Card, virtually on your phone or physically in your hand, and start earning cashback in US dollars or Bitcoin.
*Methodology: This poll was conducted by Morning Consult on behalf of Krak between July 2 and 5, 2026, among a sample of 2,001 US adults. Interviews were conducted online, and the data were weighted to approximate a target sample of adults based on gender, age, race, educational attainment, region, gender by age, and race by educational attainment. Results from the full survey have a margin of error of plus or minus 2 percentage points.
Krak debit card is issued by Lead Bank pursuant to a license from Visa U.S.A. Inc. Krak is a financial technology company, not a bank. Account balances are not FDIC- or SIPC-insured. Available to eligible US residents only; not available in all states. See terms.
Rate depends on average balance. T&Cs apply. See Support Center for more info.