Spritz Card

Spritz Visa Signature Credit Card Review: Fees, Rewards & Availability

Basic Information

The Spritz Card is a fully-collateralized Visa Signature credit card designed to bridge the gap between cryptocurrency holdings and real-world spending. It operates as a pre-funded credit card that functions without revolving credit, interest charges, or monthly bills to pay.

The Spritz Card solves a fundamental problem for crypto holders: accessing and using on-chain funds for real-world purchases without the delays, high fees, or complexity of converting through exchanges and transferring to bank accounts. Users lock an equivalent amount of cryptocurrency as collateral, which is converted to fiat for card loads, creating a seamless spending experience.

Rewards and Benefits

The Spritz Card offers a multi-layered rewards structure that includes premium Visa Signature benefits, a platform-wide points system, and emerging card-specific cashback perks.

Visa Signature Benefits

All Spritz cardholders receive the full suite of Visa Signature benefits without any staking requirements or membership fees:

• Travel Perks:

  • Airport lounge access (via Priority Pass or LoungeKey)
  • Travel insurance with trip delay coverage (up to $500 for baggage delay, $1,000 for baggage loss)
  • Emergency medical coverage while traveling (up to $170,000)
  • Auto rental collision damage waiver (global, 31-day trips)
  • Hotel upgrades through Visa Luxury Hotel Collection

• Purchase Protections:

  • Purchase protection (theft/damage for 180 days, $5,000 per incident, $10,000/yr cap)
  • Price protection (up to $500 per item, $2,000/yr)
  • Extended warranty (adds 1 year, up to $5,000/claim, $10,000/yr)
  • Zero liability fraud protection

• Additional Services:

  • 24/7 concierge service (Visa Digital Concierge)

Spritz Points Rewards System

Introduced in March 2024, Spritz Points is a platform-wide rewards system that applies to all Spritz Finance activities:

• Earning Structure: Users earn 100 points per transaction, including:

  • Loading the Spritz Card
  • Bill payments through Spritz
  • On-ramp and off-ramp transactions
  • Other Spritz Finance services

• Current Status: Points currently function as a participation and reputation metric. Spritz has explicitly stated that points will become a future rewards currency, with redemption utilities and reward structures to be shaped by user feedback. No fixed redemption catalog is available yet.

Card-Level Cashback and Perks

Spritz has announced card-specific rewards that are in the process of rolling out:

• Marketing Claims: The Spritz website states users can "earn rewards on purchases" with the Spritz Card
• Physical Card Launch Benefits: The November 2025 physical card announcement promised cashback on travel and dining for early cardholders, with details noted as "shipping soon"
• Current Availability: Exact earn rates, eligible categories, and redemption mechanics are not yet fully documented in the help center

Referral Program

Spritz operates a referral program that typically offers benefits to both parties:

• Standard Offer: The program generally provides $25 cashback to both referrer and referee when a new user spends $100+ in their first 30 days
• Higher Tiers: Enhanced rewards are available for larger referral volumes
• Terms: Spritz reserves the right to modify referral program terms at any time

Fees and Limits

The Spritz Card has a competitive and transparent fee structure designed around crypto-to-fiat conversion rather than traditional card fees.

Conversion Fee Structure

Spritz Card conversion fees vary based on the cryptocurrency and blockchain network used (marketing-stated figures based on support for 50,000+ tokens across 14+ networks):

Spending and Loading Limits

The Spritz Card operates with a "whale-friendly" model that eliminates traditional spending caps:

• Spending Limits: No formal spending limits on the card (subject to available balance and issuer fraud/risk controls)
• Load Limits: $5,000 USD per individual load transaction
• Daily Load Cap: Unlimited loads per day
• Maximum Balance: No cap on total card balance
• Conversion Method: Real-time conversion from crypto to fiat when funding the card

Note: Any effective spending restrictions now come from issuer risk controls and fraud prevention systems rather than published daily or regional limit schedules.

Promotional Offers

Spritz periodically offers promotional fee discounts for new users:

• New User Promotion: 50% discount on fees for your first $1,000 in transactions (prominently featured on Spritz website and blog)
• Free Instant Transaction: In the US & Canada, each user receives one free instant transaction per month (up to $1,000) that waives the extra RapidPay/Push-to-card 1% fee and weekend/holiday surcharge. This applies to general off-ramp transactions; card loads still incur standard fees.

Card Tiers and Options

Spritz offers a single premium tier for all users, with no differentiated levels based on staking or spending.

Top-Up Methods

Users top up the Spritz Card by transferring any of over 50,000 supported cryptocurrencies from their own wallet to the Spritz platform via the mobile or web app, where the crypto is converted to USD for card spending. The process requires moving funds from self-custody to a smart contract escrow controlled by Spritz, effectively transferring custody until the funds are spent. Crypto is converted in real-time at market rates with a base 1% conversion fee (minimum $2 per load), plus additional surcharges depending on the token and blockchain network used (e.g., +0.5% for non-USDC on Polygon/Arbitrum/Base, up to +2% for SUI). Top-up limits are $5,000 per transaction with no daily cap, but maximum card balances apply ($10,000–$150,000 depending on region). Loaded funds become available within minutes, but cannot be withdrawn back to crypto or bank accounts, and must be spent via the card.

Self-Custody Hybrid Custody

Spritz Card uses a hybrid custody model where users retain full control of their crypto assets in their own wallets until they choose to load funds onto the card. At that point, the selected cryptocurrency is converted to fiat and held in a smart contract escrow as collateral, making those funds accessible for spending through the Visa network. This means users have self-custody up until the moment of card funding, after which the loaded balance is no longer under their direct control and cannot be withdrawn back to crypto or a bank account. If Spritz or its issuing partners ceased operations, any unspent funds already loaded to the card would be at risk, as users could not independently reclaim them. The model offers strong flexibility and broad token support, but users should be aware of the irreversible transfer of control once funds are loaded, and the taxable event that occurs at conversion. Overall, it balances user autonomy with practical spending convenience, though it does not provide the full independence of true self-custody.

Supported Currencies and Conversion

Spritz Card supports over 50,000 cryptocurrencies across 14+ blockchain networks (marketing-stated figures; help center documentation uses more conservative language of "thousands of tokens across numerous blockchains"). Major supported networks include:

• Bitcoin (BTC)
• Ethereum (and ERC-20 tokens)
• Binance Smart Chain (BSC)
• Polygon
• Arbitrum
• Optimism
• Avalanche
• Base
• Solana
• Tron
• Dash
• Sui
• Ripple (XRP)
• Many others with sufficient market cap and liquidity

The card is denominated in U.S. Dollars but can be used globally with automatic conversion to local currency at point of sale with no foreign exchange fees.

Geographic Availability

The Spritz Card is available to residents of 140+ countries and territories worldwide, with international rollout officially live as of June 25, 2025. However, United States availability remains state-gated despite the US appearing in the global country list.

United States Coverage

Currently available in 33 U.S. states and territories: Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, West Virginia, and Wyoming.

Spritz indicates plans to expand to the remaining states by the end of Q3 2025, though full 50-state coverage has not been publicly confirmed yet.

International Availability

The premium Spritz Card is now available to residents in 140+ countries and territories across multiple regions:

Europe: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, Vatican City

Americas: Anguilla, Antigua and Barbuda, Argentina, Aruba, Bahamas, Barbados, Belize, Bermuda, Bolivia, Bonaire, Brazil, Canada, Cayman Islands, Chile, Colombia, Costa Rica, Curaçao, Dominica, Dominican Republic, Ecuador, El Salvador, Falkland Islands, French Guiana, Greenland, Grenada, Guadeloupe, Guatemala, Guyana, Haiti, Honduras, Jamaica, Martinique, Mexico, Montserrat, Nicaragua, Panama, Paraguay, Peru, Saint Barthélemy, Saint Kitts and Nevis, Saint Lucia, Saint Martin, Saint Pierre and Miquelon, Saint Vincent and the Grenadines, Sint Maarten, Suriname, Trinidad and Tobago, Turks and Caicos Islands, United States, Uruguay, British Virgin Islands

Asia: Armenia, Azerbaijan, Bahrain, Bangladesh, Bhutan, Brunei, Cambodia, China, Georgia, Hong Kong, India, Indonesia, Israel, Japan, Jordan, Kazakhstan, Kuwait, Kyrgyzstan, Laos, Macao, Malaysia, Maldives, Mongolia, Nepal, Oman, Pakistan, Palestine, Philippines, Qatar, Saudi Arabia, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkey, Turkmenistan, United Arab Emirates, Uzbekistan, Vietnam

Oceania: American Samoa, Australia, Cook Islands, Fiji, French Polynesia, Guam, Kiribati, Marshall Islands, Micronesia, Nauru, New Caledonia, New Zealand, Niue, Northern Mariana Islands, Palau, Papua New Guinea, Samoa, Solomon Islands, Tonga, Tuvalu, Vanuatu, Wallis and Futuna

Africa: Algeria, Angola, Benin, Botswana, Burkina Faso, Burundi, Cabo Verde, Cameroon, Central African Republic, Chad, Comoros, Congo, Côte d'Ivoire, Democratic Republic of the Congo, Djibouti, Egypt, Equatorial Guinea, Eritrea, Eswatini, Ethiopia, Gabon, Gambia, Ghana, Guinea, Guinea-Bissau, Kenya, Lesotho, Liberia, Libya, Madagascar, Malawi, Mali, Mauritania, Mauritius, Mayotte, Morocco, Mozambique, Namibia, Niger, Nigeria, Réunion, Rwanda, Saint Helena, São Tomé and Príncipe, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, South Sudan, Sudan, Tanzania, Togo, Tunisia, Uganda, Western Sahara, Zambia, Zimbabwe

Middle East & North Africa (MENA): Bahrain, Egypt, Israel, Jordan, Kuwait, Lebanon, Morocco, Oman, Palestine, Qatar, Saudi Arabia, Tunisia, United Arab Emirates

Restricted Regions

The Spritz Card is not available in sanctioned or high-risk jurisdictions, including Cuba, Iran, North Korea, Syria, Venezuela, and regions under US, UK, or EU embargoes. The June 25, 2025 blog post country list serves as the authoritative allow-list.

Our Verdict

Overall Rating

Spritz Card - Standard

3.3

#20 of 70

Net Reward

0

Availability

4.5

Custody & Risk

3.5

Features & Convenience

4.5

User Experience

3.8

Our comprehensive rating evaluates Spritz Card across core dimensions including rewards, availability, custody controls, and everyday usability.

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