Bitget Wallet Card vs KOSH Global Card
Crypto native
Crypto native
Verdict
- KOSH Global Card scores higher overall (7.3 vs 7.2 out of 10).
- KOSH Global Card is clearly stronger on: Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitget Wallet Card is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
KOSH Global Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Custody & security
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Bitget Wallet Card | KOSH Global Card |
|---|---|---|
| Fees | 100 | 96 |
| Cashback & rewards | 44 | 49 |
| Availability | 100 | 100 |
| FX & international | – | 20 |
| Product features | 70 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | – | 75 |
| Limits & ATM | – | 71 |
| Transparency | 100 | 100 |
| Best for Cashback | 6.4 | 6.6 |
| Best for Travel | 6.6 | 5.9 |
| Best for Self-Custody | n/a | 7.2 |
| Best for DeFi Users | 6.4 | 7.3 |
| Best for Stablecoins | 7.0 | 6.7 |
| Best for High Spenders | 5.9 | 6.0 |
| Best for Low Fees | 8.0 | 7.4 |
| Best for Beginners | 8.3 | 8.5 |
| Best Crypto Credit Card | n/a | 7.7 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Crypto-backed creditShow source
Network
Visa / MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Self-custodyShow source
Card issuer / program manager
Bitget WalletConditions apply: tap or hover for detailsShow source
Card issuing partners vary by region
Third National (issuer); Piers Technology Inc. (KOSH, technology provider)Show source
Fees
Annual fee
FreeShow source
$10/yearShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Page states no monthly card fee without a currency
FreeShow source
Physical card fee
$100Conditions apply: tap or hover for detailsShow source
Fee table accurate as of September 1, 2025
Virtual card fee
$10Show source
FX fee
2%Conditions apply: tap or hover for detailsShow source
Plus US $0.30 per international transaction; product page advertises 1.5% FX
ATM fee
$1 + 1%Conditions apply: tap or hover for detailsShow source
Plus FX if applicable; $1 balance enquiry and $1 decline fees
Other fees & markups
Top-up and currency conversion fees apply; standard fees apply once the monthly assetback allowance is exceededConditions apply: tap or hover for detailsShow source
Page says assetback typically covers most top-up and currency conversion fees; settlement rates closely match Google's live rates
International transaction fee US $0.30 + 2% FX · ATM balance enquiry US $1 · ATM decline US $1 · Copying fee US $10 · Late payment US $30 first, US $40 subsequentShow source
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Base assetback for all cardholders, within a monthly allowance
1%Conditions apply: tap or hover for detailsShow source
Derived: 1 point per $1 spent, 100 points = $1 redemption value; points not cash
Max cashback
3%Conditions apply: tap or hover for detailsShow source
New users or after reaching the monthly spending threshold
5%Conditions apply: tap or hover for detailsShow source
Hotel bookings only; rates subject to rewards program terms
Cashback paid in
BTC, gold, US stocks (NVIDIA, Google, Tesla, S&P 500) or USDC (user's choice)Conditions apply: tap or hover for detailsShow source
One reward asset, changeable once per calendar month
Cashback type
PointsShow source
Interest on balance
6%Conditions apply: tap or hover for detailsShow source
Page states 4 to 6% here but "up to 4%" in footer; savings product, not card
Cashback conditions
3% after reaching $200–$400 in monthly spending (or as a new user) · Reward asset can be changed once per calendar month by 23:59 (UTC+8) on the last day of the monthConditions apply: tap or hover for detailsShow source
Upgrade conditions and reward limits per rules shown on the card page in the app
Multipliers apply only up to a monthly points-eligible spend limit shown in app · Cashback credited as KOSH Rewards, must be claimed to card above a minimum · Rewards reversed on refunds/chargebacksShow source
Reward expiry / vesting
Points: no general expiry while account open; campaign points/KOSH Rewards may expire per campaign; all rewards forfeited on account closureShow source
Reward exclusions
Certain restricted merchant category codes (MCCs) · Refunded, reversed, or cancelled transactionsShow source
Transactions made primarily to generate rewards · Manufactured spend, circular transactionsShow source
Credit & financing
Credit line
YesShow source
Credit type
Crypto-backed creditShow source
Max loan-to-value
100%Conditions apply: tap or hover for detailsShow source
Spending limit equals collateral market value (1:1)
Interest (APR)
0%Conditions apply: tap or hover for detailsShow source
Issuer reserves right to introduce interest in the future
Grace period
Liquidation if payment not made within one calendar day; issuer may allow extra graceShow source
Liquidation risk
YesShow source
Availability
Available in
EEA, United Kingdom, Argentina, Brazil, Chile, Colombia, EC, SV, GT, Mexico, PA, Peru, South Korea, Japan, Vietnam, Malaysia, CN, TW, Australia, Thailand, Philippines, South Africa, PK, BDConditions apply: tap or hover for detailsShow source
EEA and UK; 10 Latin American markets; South Korea, Japan, Vietnam, Malaysia, mainland China, Taiwan, Australia, Thailand, Philippines; South Africa; Pakistan, Bangladesh. More regions opening soon
GlobalConditions apply: tap or hover for detailsShow source
Used in 90+ countries
Not available in
United StatesConditions apply: tap or hover for detailsShow source
International terms for non-US persons; separate US terms exist
Account / spend currencies
USDShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Virtual USD, EUR, GBP, AED and SWIFT accounts
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Only in South Korea, Japan, Vietnam, Malaysia, Taiwan, Australia, Thailand and the Philippines; more regions rolling out
YesShow source
Virtual card
YesShow source
Spend stablecoins
YesShow source
YesConditions apply: tap or hover for detailsShow source
USDC and USDT balance
Spendable assets
USDT · USDC · ETH · SOLShow source
USD · USDCConditions apply: tap or hover for detailsShow source
Card collateralized by KOSH USD balance; USDC can be added
Blockchains
Ethereum · Polygon · Optimism · ArbitrumShow source
Annual cost at 1,500 EUR/month
Bitget Wallet Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+360 EUR
- Net annual valuenot enough data
KOSH Global Card
- Annual & monthly fees−9 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs−23 EUR
- Cashback+180 EUR
- Net annual value76 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers