Direct comparison
Two Mastercard debit cards — hold levels without saveback cap vs. flat ledger column with 1% and open FX fields.
Key differences to help you choose, without an overall score.
| criterion |  Krak Card |  Ledger CL Card |
|---|---|---|
| FXFX: Provider's surcharge when paying in foreign currency, plus target currency if used. Spread when changing assets is not 0-%-FX. Visa rate = network rate without extra markup. | $ 0 + Spread | — |
| CapCap: Upper limit or scale of this SKU (month, AI band, flight). No cap in the cell does not mean “unlimited” if the policy is unknown. | no cap | — |
| SavebackSaveback: Rate of this SKU — not the marketing cap. One number per column for sorting to work. | 0% | 1% |
| Card costsCard Cost: Issue or subscribe to this SKU. Month × 12 = Year. EUR 0 only with an officially free edition - “no subscription” is not a 0. Mandatory lock or hold (CRO, XPL, WPAY) is in the cell with the amount - this is not a sorting price. Tickers lead to CoinMarketCap. | no subscription | EUR 0 |
| To the offerAffiliate links | To the offer ↗No firmly documented immediate bonus · Examination open |
| criterion | Krak Card | Ledger CL Card |
|---|---|---|
| NetNetwork: Visa or Mastercard. “Both” in research meets the Visa or Mastercard filter. | Mastercard | Mastercard |
| Card typeCard type: Debit debits credit/account. Prepaid is loaded beforehand. Mixed = Debit and Credit variants in one SKU line. | Debit | Debit |
| CustodyCustody: Custodial = credit on the provider account. Non-custodial = card on a wallet, not on the exchange account. | Custodial | Custodial |
| Apple/Google PayApple/Google Pay: Hard Research Line. A help text “2025 is coming” does not count as yes. | ✓ | ✓ |
Conclusion — Strengths, limitations and suitable uses. Your workflow and the functions it requires are what matter.
In this direct comparison, Krak Card and Ledger CL Card are two custodial crypto cards - Krak from the exchange ecosystem, Ledger CL from the hardware shop context. Both are Mastercard debit; Despite Ledger branding, the card balance is with the card partner, not on the device. Anyone expecting self-custody is in the wrong model for both. The characteristics table compares entry levels; Krak has five hold columns, Ledger CL has one.
Krak Card scales saveback via portfolio hold: Starter 0%, Lite from ≥EUR 200 with 0.5%, Max from ≥50k € with 2%. No documented saveback cap; FX $ 0 plus spread — not a pure 0% promise without spread indication. No monthly card subscription. Apple Pay and Google Pay are documented. Hold thresholds are the price of higher columns; If you don't hold the hold, you stay with 0% Saveback. Profile: Krak Card.
Ledger CL Card is one-tier Mastercard: EUR 0 issue, 1% saveback, withdrawal BTC or USDT. FX surcharge and saveback cap are unassigned in the characteristics (—) — check in the table, do not guess. Apple Pay and Google Pay are documented. Hardware wallet image and card custody remain separate: keys on the device do not replace issuer custody of the card. More context: Ledger CL Card.
No Ranking: Uncapped Hold Scaling vs. Flat 1% Column with Open FX Fields — Tier logic and documentation gaps differentiate the programs, not an implicit “better” brand.