Bleap vs KOSH Global Card
Crypto native
Crypto native
Verdict
- Bleap scores higher overall (8.4 vs 7.3 out of 10).
- Bleap is clearly stronger on: FX & international, Custody & security, Limits & ATM.
- KOSH Global Card is clearly stronger on: Credit & financing.
- For 1,500 EUR/month of spend, Bleap comes out about 104 EUR a year ahead on base-tier terms.
Bleap is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Frequent travellers
Stronger on: FX & international, Custody & security, Limits & ATM
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: Credit & financing
★ 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 | Bleap | KOSH Global Card |
|---|---|---|
| Fees | 100 | 96 |
| Cashback & rewards | 56 | 49 |
| Availability | 100 | 100 |
| FX & international | 100 | 20 |
| Product features | 70 | 70 |
| Custody & security | 95 | 80 |
| Credit & financing | 30 | 75 |
| Limits & ATM | 100 | 71 |
| Transparency | 100 | 100 |
| Best for Cashback | 7.6 | 6.6 |
| Best for Travel | 9.3 | 5.9 |
| Best for Self-Custody | 8.8 | 7.2 |
| Best for DeFi Users | 7.6 | 7.3 |
| Best for Stablecoins | 8.7 | 6.7 |
| Best for High Spenders | 7.4 | 6.0 |
| Best for Low Fees | 10.0 | 7.4 |
| Best for Beginners | 8.8 | 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
Debit cardShow source
Crypto-backed creditShow source
Network
MastercardShow source
VisaShow source
Custody model
Self-custodyShow source
Self-custodyShow source
Card issuer / program manager
Unlimit EU Ltd (programme: Bleap Finance Sp. z o.o.)Show source
Third National (issuer); Piers Technology Inc. (KOSH, technology provider)Show source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
From the comparison table
$10/yearShow source
Monthly fee
FreeShow source
FreeShow source
Physical card fee
FreeShow source
$100Conditions apply: tap or hover for detailsShow source
Fee table accurate as of September 1, 2025
Virtual card fee
$10Show source
FX fee
0%Show source
2%Conditions apply: tap or hover for detailsShow source
Plus US $0.30 per international transaction; product page advertises 1.5% FX
Crypto conversion fee
0%Show source
ATM fee
FreeConditions apply: tap or hover for detailsShow source
Free ATM withdrawals worldwide up to EUR 400 per month (cap per FAQ); ATM operator surcharges may apply
$1 + 1%Conditions apply: tap or hover for detailsShow source
Plus FX if applicable; $1 balance enquiry and $1 decline fees
Free ATM allowance
€400/monthConditions apply: tap or hover for detailsShow source
Per month; page says the limit is increasing soon
Other fees & markups
Mastercard scheme fees, network FX rates, merchant surcharges, ATM operator fees and taxes may applyShow source
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
1%Conditions apply: tap or hover for detailsShow source
Default rate on all eligible purchases; higher category/merchant rates apply
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
20%Conditions apply: tap or hover for detailsShow source
Up to; eligible purchases only — conditions not specified
5%Conditions apply: tap or hover for detailsShow source
Hotel bookings only; rates subject to rewards program terms
Cashback paid in
USDCShow source
Cashback type
StablecoinShow source
PointsShow source
Interest on balance
4%Conditions apply: tap or hover for detailsShow source
USD balances via Bleap savings feature, variable; homepage separately advertises up to 8% APY saving plans (plan/lock-up conditions not stated on fetched page)
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-eligible spend cap
€3,000/monthConditions apply: tap or hover for detailsShow source
Default 1% category: max eligible payment 3000€ per month and 500€ per transaction; category caps differ
Cashback conditions
Earned only once an eligible transaction has settled · Earned automatically, no opt-in · Subject to fair usage caps on eligible payment amount per transaction/month/yearShow source
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
Staking / holding required for top rewards
NoConditions apply: tap or hover for detailsShow source
No staking and no subscription required
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
Money transfers · Financial services · Gambling · Tax payments · Gift cards and cash-like transactions · Utilities · Excluded MCCs (e.g. 6010, 6011, 4900, 5734, 7372)Show source
Transactions made primarily to generate rewards · Manufactured spend, circular transactionsShow source
Credit & financing
Credit line
NoShow source
YesShow source
Credit type
NoneShow source
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
Spend own balance directly
YesShow source
Availability
Available in
EEA, SwitzerlandConditions apply: tap or hover for detailsShow source
Card not issued to holders of certain nationalities (incl. US, Turkey, UAE) regardless of residence
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
EUR · USDShow source
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
Ships separately
YesShow source
Virtual card
YesConditions apply: tap or hover for detailsShow source
Issued instantly in-app
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Free up to €400 per month
Spend stablecoins
YesShow source
YesConditions apply: tap or hover for detailsShow source
USDC and USDT balance
Spendable assets
USD · USDCConditions apply: tap or hover for detailsShow source
Card collateralized by KOSH USD balance; USDC can be added
Blockchains
Solana · Base · ArbitrumShow source
Ethereum · Polygon · Optimism · ArbitrumShow source
Security & custody
Regulation / licences
Issuer Unlimit EU Ltd: EMI licensed by the Central Bank of CyprusShow source
Annual cost at 1,500 EUR/month
Bleap
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+180 EUR
- Net annual value180 EUR
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