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KOSH Global Card vs Morse Card

KOSH Global Card

Crypto native

7.3
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Morse Card

Crypto native

7.2
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Verdict

  • KOSH Global Card scores higher overall (7.3 vs 7.2 out of 10).
  • Morse Card is clearly stronger on: FX & international, Custody & security.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

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

Morse Card is a good fit for

  • People who want to keep control of their keys
  • Frequent travellers

Stronger on: FX & international, Custody & security

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
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Review & sourcesKOSH Global Card vs ether.fi CashMorse Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKOSH Global CardMorse Card
Fees96–
Cashback & rewards49–
Availability100100
FX & international20100
Product features7070
Custody & security8095
Credit & financing75–
Limits & ATM71–
Transparency100100
Best for Cashback6.6n/a
Best for Travel5.97.7
Best for Self-Custody7.28.0
Best for DeFi Users7.37.1
Best for Stablecoins6.7n/a
Best for High Spenders6.0n/a
Best for Low Fees7.4n/a
Best for Beginners8.57.7
Best Crypto Credit Card7.7n/a

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
Prepaid card, Debit cardShow source

Network

VisaShow source
VisaShow source

Custody model

Self-custodyShow source
Self-custodyShow source

Card issuer / program manager

Third National (issuer); Piers Technology Inc. (KOSH, technology provider)Show source
Lead Bank; programme manager Bridge Ventures LLCShow source

Fees

Annual fee

$10/yearShow source
No data yet

Monthly fee

FreeShow source
No data yet

Physical card fee

$100Conditions apply: tap or hover for detailsShow source

Fee table accurate as of September 1, 2025

No data yet

Virtual card fee

$10Show source
No data yet

FX fee

2%Conditions apply: tap or hover for detailsShow source

Plus US $0.30 per international transaction; product page advertises 1.5% FX

0%Conditions apply: tap or hover for detailsShow source

Stated for transfers/exchange at the real exchange rate

ATM fee

$1 + 1%Conditions apply: tap or hover for detailsShow source

Plus FX if applicable; $1 balance enquiry and $1 decline fees

No data yet

Other fees & markups

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
No data yet

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Derived: 1 point per $1 spent, 100 points = $1 redemption value; points not cash

No data yet

Max cashback

5%Conditions apply: tap or hover for detailsShow source

Hotel bookings only; rates subject to rewards program terms

No data yet

Cashback type

PointsShow source
No data yet

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

3%Conditions apply: tap or hover for detailsShow source

Earn Wallet; shown for US and Mexico

Cashback conditions

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
No data yet

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
No data yet

Reward exclusions

Transactions made primarily to generate rewards · Manufactured spend, circular transactionsShow source
No data yet

Credit & financing

Credit line

YesShow source
No data yet

Credit type

Crypto-backed creditShow source
No data yet

Max loan-to-value

100%Conditions apply: tap or hover for detailsShow source

Spending limit equals collateral market value (1:1)

No data yet

Interest (APR)

0%Conditions apply: tap or hover for detailsShow source

Issuer reserves right to introduce interest in the future

No data yet

Grace period

Liquidation if payment not made within one calendar day; issuer may allow extra graceShow source
No data yet

Liquidation risk

YesShow source
No data yet

Availability

Available in

GlobalConditions apply: tap or hover for detailsShow source

Used in 90+ countries

GlobalConditions apply: tap or hover for detailsShow source

150+ countries

Not available in

United StatesConditions apply: tap or hover for detailsShow source

International terms for non-US persons; separate US terms exist

No data yet

Account / spend currencies

USDShow source
USD · EUR · MXN · BRLConditions apply: tap or hover for detailsShow source

Account details for receiving

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Virtual USD, EUR, GBP, AED and SWIFT accounts

YesConditions apply: tap or hover for detailsShow source

Account details for receiving payments

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
No data yet

Virtual card

YesShow source
No data yet

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

USDC and USDT balance

No data yet

Spendable assets

USD · USDCConditions apply: tap or hover for detailsShow source

Card collateralized by KOSH USD balance; USDC can be added

BTC · ETH · USDC · USDTConditions apply: tap or hover for detailsShow source

Crypto wallet deposits; spending from Morse balance

Blockchains

Ethereum · Polygon · Optimism · ArbitrumShow source
No data yet

Security & custody

Regulation / licences

No data yet
US Money Services Business · MiCA CASP authorised by AFM Netherlands (41000005) · NMLS ID 2639252Show source

Annual cost at 1,500 EUR/month

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

Morse Card

  • Annual & monthly feesunknown
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More KOSH Global Card comparisons

    More Morse Card comparisons