Virtual cards available in 154 countries; physical cards and bill pay restricted to US domestic residents
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- 0 monthly fee, no account maintenance fee; top-up fee 1% (min $2) to 3%, strictly non-refundable once funded.
- Debit / Deduction Model
- Multi-chain self-custody off-ramp rails: direct connection to user-held Web3 wallets, on-demand smart contract funding and settlement
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Requires valid government photo ID for compliance KYC verification; covers US domestic and eligible international regions.
- Officially supported countries and regions
- Virtual cards available in 154 countries; physical cards and bill pay restricted to US domestic residents
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (virtual and physical cards, supporting Apple Pay and Google Wallet)
- Issuer Arrangement / Payment Rails
- Spritz Finance with Rain licensed issuing partners. Card BIN undisclosed; this page does not speculate.
- Apple Pay / Google Pay
- : Officially supports push provisioning to Apple Wallet, enabling tap-to-pay via iPhone and Apple Watch.
- Overseas AI Subscriptions
- : Supports standard 3DS authentication, reliably processing recurring charges for cloud services and online software subscriptions.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Up to 5% cashback on travel, hotels, and dining (capped); integrates nationwide US bill pay.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Detailed Facts
- Direct top-up from self-custodial wallets
- No need to withdraw crypto to centralized exchanges and run through OTC desks; simply click in the Spritz interface to fund the card directly from MetaMask or Phantom wallets. [1]
- Revolutionary real-world bill payment rails
- Spritz features payment rails covering major US banks, mortgage lenders, and utilities, converting on-chain crypto into debt settlement liquidity. [1]
- Web-Only / PWA Client Architecture
- No native iOS/Android store app; entire onboarding and management conducted via web portal, installable to mobile home screen as a PWA. [1] [2]
- Card entry point now marked as coming soon
- The site navigation marks Cards as "Soon", the product card is headed "Cards Coming soon", and the copy describes cards as a later capability tied to the same KYC platform; the Rails SDK feature list and code samples cover only buying and selling crypto and paying bills, with no cards among the live capabilities. The previous record's "virtual card open to 154 countries" can no longer be supported from the pages the site now serves. [1]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa Signature
- Issuer arrangement / BIN
- Spritz Finance with Rain licensed issuing partners. Card BIN undisclosed; this page does not speculate.
- Apple Pay
- ✅ Explicitly stated in official materials: Officially supports push provisioning to Apple Wallet, enabling tap-to-pay via iPhone and Apple Watch.
- Google Pay
- ✅ Explicitly stated in official materials: Officially supports Google Wallet, compatible with Android NFC contactless offline payments.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Supports standard 3DS authentication, reliably processing recurring charges for cloud services and online software subscriptions.
Compatibility information for this card was verified on 2026-10-23 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 230 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- No Store App (Spritz web app app.spritz.finance, installable as PWA)
- Web Portal Support
- Web Portal / PWA Only — No native iOS/Android apps: registration, KYC, deposits, and card management are conducted entirely within the web application app.spritz.finance, featuring a Web App Manifest (standalone) that can be installed on the home screen as a PWA; similarly named apps in stores are unrelated.
- Apple App Store
- No iOS App
- Google Play
- No Google Play App
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
Spritz Finance, Inc. (Delaware, US) privacy policy primarily follows California CCPA: rights to know, delete, opt-out of sale, and non-discrimination; personal data viewable and rectifiable via web account or email; pledges no sale or sharing of data without written authorization, while sharing bank connection data with Plaid and utilizing Google Analytics and advertising cookies; strictly 18+; omits GDPR, portability, and supervisory complaint details.
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Following account closure or deletion, data may be retained per statutory requirements or legitimate business purposes; specific timeframe unstated.
- App Store Privacy Label
- —
- Google Play Data Safety
- —
- Account Deletion Flow
-
Account deletion or deactivation requires emailing support@spritz.finance; data may persist for statutory obligations and legitimate business needs; no self-service deletion option; funded card balances are strictly non-refundable and must be spent prior to cancellation.
Verified on 2026-10-18. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Bridging crypto-native wealth and real-world debt obligations
Spritz Card solves long-standing off-ramp friction for DeFi investors, recognized as one of the premier on-chain payment gateways. [1]
Non-Refundable Top-Ups & Compliance Essentials
Funds deposited onto the card cannot be refunded back to on-chain wallets and must be spent prior to account termination; closure requests submitted via email. [1] [2]
Frequently asked questions
Can Spritz Card be used to pay mortgages or credit card bills?
Yes. Bill Pay is a flagship feature of Spritz, enabling direct crypto payments toward US bank mortgages, auto loans, and third-party credit card statements.
Does Spritz have a mobile app?
No native app store app exists; official access is via web application (app.spritz.finance), installable to mobile home screens as a PWA.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of Spritz Card on X; search results may change over time.
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