Krak Card Is Now Available in the US
Krak Card could not be obtained in the US until now. Krak announced on 19 August 2026 that the card is open to US customers, physical and virtual, to anyone who downloads the Krak app, after nearly 135,000 cards issued across the UK and the EEA since launch. The number everyone will quote is the 2% cashback. The detail that decides what the card is actually like to hold is who issues it, because that is set regionally.
The announcement covers the card, not the fee schedule
Confirmed by the announcement: the card comes in physical and virtual form through the Krak app, it runs on Visa, spending can draw from more than 600 currencies and assets, and cashback reaches 2% paid in dollars or bitcoin.
Not in the announcement: the US fee schedule, spending and ATM limits, and any state-level restrictions. Those are the fields that decide whether the card fits a particular person, and none of them can be inferred from the UK or EEA versions.
The US card names its own bank and issuing platform
Krak credited Visa, Stripe and Lead Bank for building the US product, and Stripe described the cards as powered by Stripe Issuing. That is three separate companies in the chain: the brand and app you sign up with, the platform that issues the card, and the bank that holds the licence.
This matters more than it sounds. Dispute handling, deposit treatment, statement access and the terms you actually agree to attach to the issuing bank in your region, not to the logo on the card. A US cardholder and a UK cardholder are using the same app and the same brand while sitting under different arrangements — which is why the fee schedule, limits and protections published for one region are not evidence about the other.
Cashback lands as money at settlement
Krak pays up to 2%, in US dollars or bitcoin, credited when the transaction settles rather than as points that accrue and expire. That removes the two things that usually erode card rewards: a redemption step, and an expiry date.
The word doing the work is "up to". A published maximum is not a rate, and the announcement does not spell out what moves it. Anyone comparing this against a flat-rate card should find the condition that separates 2% from whatever the lower band is before treating 2% as the number.
Taking rewards in bitcoin instead of dollars changes what the reward is rather than how much it is worth at credit time — that trade-off is its own decision.
600 currencies means conversion at the till
Spending from more than 600 currencies and assets works because Krak converts to US dollars in real time when the purchase settles. The card is not sending crypto to the merchant; it is selling an asset at the moment of the transaction and settling in dollars.
That conversion is where the cost sits on any card built this way, and it is not a line in a fee table. Paying from a dollar balance already in the app skips it entirely. Where the cost actually sits is worth reading alongside the launch numbers.
Before ordering, the two things to confirm on the current Krak Card page are the condition attached to the 2% and the fee schedule that applies in the US specifically, since both are set regionally.