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Is the Spritz Card a credit card?

Ley avatar
Written by Ley
Updated today

Yes. The Spritz Card is a real credit card, issued by Rain and powered by the Visa® network.

It’s a fully collateralized credit card, which means you're not borrowing against a traditional credit line. Instead, you’re using your crypto to secure your spending.

How it works

When you use the Spritz Card, you authorize us to lock an equivalent amount of your crypto as collateral. You can then spend in USD anywhere Visa is accepted—online or in-store. Your crypto is never spent directly at the point of sale, and there’s no need to convert it manually.

What makes it different from a traditional credit card?

  • No interest

    You’re not borrowing beyond what you’ve already backed with your crypto.

  • No credit check

    Your approval is based on your crypto, not your credit score.

  • No monthly bill

    Since your spending is fully secured, there’s nothing to repay later.

  • Instant access

    Top up and spend right away—just like any modern card.

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