Kraken旗下Krak卡美国上线：最高2%返现，支持600+币种消费
Krak Card launches in the US: up to 2% cashback, 600+ currencies
TL;DR
TL;DR
- Krak launches its Visa debit card in the US on August 18, 2026, with up to 2% cashback in USD or BTC on everyday spending.
- Spend from dollars and 600+ other assets like Bitcoin, USDC, and more.
- No hidden fees, monthly fees, or annual fees. Free ways to deposit.
- Krak 于 2026 年 8 月 18 日在美国推出其 Visa 借记卡，日常消费最高可获 2% 的美元或比特币返现。
- 可使用美元及比特币、USDC 等 600 多种资产进行消费。
- 无隐藏费用、月费或年费。提供免费充值方式。
63% of surveyed Americans said they feel behind financially, compared to where they expected to be by now.* When you feel that way, you want the money you already have to do more: to work for you, not against you.
63% 的受访美国人表示，与预期相比，他们在财务上感到落后。* 当你有这种感觉时，你希望已有的钱能发挥更大作用：为你工作，而不是与你作对。
That’s what the Krak Card is built to do. It’s available now for customers in the US.
这正是 Krak Card 的设计初衷。现在美国客户即可使用。
The only debit card you’ll ever need
你唯一需要的借记卡
Up to 2% cashback: Real money in US dollars or Bitcoin on everyday spending, not points, paid right after the transaction settles.
最高 2% 返现：日常消费即可获得美元或比特币形式的真实货币，而非积分，交易结算后立即到账。
No hidden fees: No monthly fees. No annual fees. Free ways to deposit.
无隐藏费用：无月费。无年费。提供免费充值方式。
Spend 600+ currencies: Choose the order your balances are used at checkout. Keep the assets you want to hold untouched, and change your preferences anytime.
支持 600 多种货币消费：在结账时选择余额的使用顺序。保留你想持有的资产，随时更改偏好。
From setup to spending in minutes
从设置到消费，只需几分钟
Order your free card: Pick the card that fits how you spend: Orange or Black for everyday use, or work your way up to qualify for the Krak Metal Card. However you choose, it shows up at your door on us.
订购免费卡片：选择适合你消费习惯的卡片：日常使用的橙色或黑色款，或升级至 Krak 金属卡。无论选择哪种，我们都免费送货上门。
Activate with ease: No waiting on the mail to start spending. Add your Krak Card to Apple Pay or Google Pay the moment you get it, and you’re tapping to pay before you’ve even unboxed the physical card.
轻松激活：无需等待邮件即可开始消费。收到 Krak Card 后立即添加到 Apple Pay 或 Google Pay，在拆开实体卡包装前即可开始刷卡支付。
Use everywhere: From the corner coffee shop to a hotel halfway around the world, your Krak Card just works, in-store and online, across 200+ countries, at 150M+ merchants, with 2.5M+ ATMs on hand whenever you need cash.
随处可用：从街角咖啡店到世界另一端的酒店，你的 Krak Card 在 200 多个国家、1.5 亿多家商户的店内和线上均可使用，还有 250 多万台 ATM 随时满足你的现金需求。
Real cashback, not points that disappear
真实返现，而非消失的积分
Most people don’t love their credit card rewards. 64% of surveyed Americans said they’re frustrated with credit card rewards, most often because points expire or are hard to cash in. And 57% said they’d rather have cash land straight in their account than get points, gift cards, or travel miles.
大多数人不喜欢他们的信用卡奖励。64% 的受访美国人表示对信用卡奖励感到失望，最常见的原因是积分过期或难以兑现。57% 的人表示，他们更希望现金直接进入账户，而不是获得积分、礼品卡或旅行里程。
The Krak Card is built around that. There are no points to track and no rewards that expire. Your cashback is real money, paid in US dollars or Bitcoin, back in your account when the transaction settles.
Krak Card 正是基于这一点而设计。无需追踪积分，也没有会过期的奖励。你的返现是真实货币，以美元或比特币形式支付，交易结算后回到你的账户。
Beyond everyday spend, get up to 6% back on travel. Krak Concierge unlocks exclusive rates at 2.2M+ hotels with up to 60% off, with cashback applied automatically at checkout.
除日常消费外，旅行消费最高可获 6% 返现。Krak Concierge 可在 220 多万家酒店解锁专属优惠，最高可享 6 折，结账时自动应用返现。
No debt required
无需负债
You don’t need a credit card to earn real rewards. 42% of credit cardholders said they’ve worried about paying off their balance at the end of the month, and 60% said they’d switch to a card that pays real rewards without asking them to borrow money. The Krak Card works with money you already have, so there’s nothing to pay back later.
你不需要信用卡也能赚取真实奖励。42%的信用卡持卡人表示，他们曾担心月底无法还清账单，而60%的人表示，他们会转而使用一张无需借贷就能提供真实奖励的卡。Krak Card使用你已有的资金，因此之后无需偿还任何款项。
Partners you can trust
值得信赖的合作伙伴
Krak is built by Payward, the same company behind Kraken. The Krak Card comes from Lead Bank, and Stripe powers the technology behind it. It works on the Visa network, so you can use it just like any other card, almost anywhere in the world.
Krak由Payward打造，与Kraken出自同一家公司。Krak Card由Lead Bank发行，Stripe为其提供技术支持。它运行在Visa网络上，因此你可以像使用其他任何卡一样，在世界上几乎任何地方使用它。
This isn’t new for Krak. Since its launch in November 2025, Krak has grown to over 125,000 cardholders across the UK and Europe. Now, for the first time, it’s available in the US.
这对Krak来说并不新鲜。自2025年11月推出以来，Krak已在英国和欧洲拥有超过12.5万名持卡人。现在，它首次在美国上线。
More than just a card
不仅仅是一张卡
The Krak Card is just the start of what you can do in the Krak app. You can also send money to friends and family right away, earn more on the money you hold, and use Krak Concierge to get extra cashback when you book hotels and trips.
Krak Card只是Krak应用中功能的开始。你还可以即时向朋友和家人汇款，在你持有的资金上赚取更多收益，并使用Krak Concierge在预订酒店和旅行时获得额外现金返还。
Ready to get paid for spending money you already have? Open the Krak app to get your Krak Card, virtually on your phone or physically in your hand, and start earning cashback in US dollars or Bitcoin.
准备好为你已有的消费赚取回报了吗？打开Krak应用，获取你的Krak Card——无论是虚拟卡还是实体卡——并开始以美元或比特币赚取现金返还。
Get your Krak Card now
立即获取你的Krak Card
*Methodology: This poll was conducted by Morning Consult on behalf of Krak between July 2 and 5, 2026, among a sample of 2,001 US adults. Interviews were conducted online, and the data were weighted to approximate a target sample of adults based on gender, age, race, educational attainment, region, gender by age, and race by educational attainment. Results from the full survey have a margin of error of plus or minus 2 percentage points.
*方法论：这项调查由Morning Consult代表Krak于2026年7月2日至5日进行，样本为2,001名美国成年人。访谈在线进行，数据按性别、年龄、种族、教育程度、地区、性别×年龄和种族×教育程度加权，以近似目标成人样本。完整调查结果的误差幅度为正负2个百分点。
Krak debit card is issued by Lead Bank pursuant to a license from Visa U.S.A. Inc. Krak is a financial technology company, not a bank. Account balances are not FDIC- or SIPC-insured. Available to eligible US residents only; not available in all states. See terms.
Krak借记卡由Lead Bank根据Visa U.S.A. Inc.的许可发行。Krak是一家金融科技公司，而非银行。账户余额不受FDIC或SIPC保险保障。仅限符合条件的美国居民使用；并非所有州均可用。请参阅条款。
Rate depends on average balance. T&Cs apply. See Support Center for more info.
利率取决于平均余额。适用条款与条件。更多信息请参阅支持中心。
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