Spritz Card
by Spritz Finance
The Spritz Card is a prepaid Visa debit card that functions as a bridge between self-custody crypto wallets and the traditional financial system. Unlike standard crypto cards, it specializes in direct 'Bill Pay' (mortgages, credit cards) and allows for massive transaction volumes (>$100k), though it applies a variable fee structure based on the specific network, token, and transaction size used. It supports a wide range of chains (including Solana and Bitcoin) and focuses on paying real-world bills and expenses. While the app allows non-custodial bill pay, the card itself requires loading funds (converting crypto to fiat), effectively making the loaded balance custodial at the partner bank.
Unique Features
- Bill Pay integration (pay mortgage/credit cards with crypto)
- Support for non-EVM chains like Bitcoin and Tron
- Inverted Fee Structure (Higher fees for higher volume)
Pros
- Direct load from self-custody wallets (no exchange account needed)
- Broad network support (Bitcoin, Tron, Solana, plus EVMs)
- Supports 'Super' transaction sizes (>$100,000) for high-net-worth users
- Direct Bill Pay for real-world expenses (Mortgage, Loans, Utilities)
- Referral program offers high revenue share for influencers
Cons
- Volume Surcharges: Fees increase by 0.5% - 1.0% for transactions over $20k
- Users pay network gas fees for every load
- Inefficient for small spends due to $2 minimum fee ($5 for Bitcoin)
- Complex variable fee structure (dependent on Token + Chain + Day of week)
Integrations & Tech
Available In (41)
Not Available In (27)
Fee Structure
Detailed Fee Structure
Base 0.5-1%, adjustments for BTC (+1.5%), Tron (+1.5%), high volume (+0.5-1%)
Detailed Limits
Fee Details
Fees are calculated as the maximum of two values: Percentage Calculation: (Base Fee + Token Adjustment + Network Adjustment + Volume Adjustment) × Amount Minimum Fee: Typically $2.00 (or $5.00 for Bitcoin transactions) Base Fee Breakdown: US/Canada: 0.5% Base + 0.5% Card Load Fee (Total ~1% starts) Global: 1% Flat Fee Base + Adjustments Adjustments: Bitcoin: +1.5% Tron (USDT): +1.5% BSC/Sui: +1% High Volume (>$20k): +0.5% Super Volume (>$100k): +1.0%
Limits & Conditions
While specific spending caps are not listed, the transaction volume tiers confirm support for high-value operations: Standard: $0 – $20,000. Large: $20,000 – $100,000 (Adds +0.5% fee). Super: >$100,000 (Adds +1.0% fee). Free Transactions (US/Canada Only): Users receive 1 free transaction per month (up to $1,000 value) that is exempt from the RapidPay/Push-to-Card fees.
Crypto Capabilities
Security & Custody
Supported Assets
