KOSH Global Card vs Nexo Card
Crypto native
Crypto native
Verdict
- Nexo Card scores higher overall (7.5 vs 7.3 out of 10).
- KOSH Global Card is clearly stronger on: Cashback & rewards.
- Nexo Card is clearly stronger on: FX & international, Product features, Credit & financing.
- For 1,500 EUR/month of spend, Nexo Card comes out about 6 EUR a year ahead on base-tier terms.
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: Cashback & rewards
Nexo Card is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: FX & international, Product features, 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 | KOSH Global Card | Nexo Card |
|---|---|---|
| Fees | 96 | 100 |
| Cashback & rewards | 49 | 13 |
| Availability | 100 | 100 |
| FX & international | 20 | 92 |
| Product features | 70 | 80 |
| Custody & security | 80 | 75 |
| Credit & financing | 75 | 90 |
| Limits & ATM | 71 | 64 |
| Transparency | 100 | 100 |
| Best for Cashback | 6.6 | 5.2 |
| Best for Travel | 5.9 | 8.1 |
| Best for Self-Custody | 7.2 | n/a |
| Best for DeFi Users | 7.3 | 7.1 |
| Best for Stablecoins | 6.7 | 7.5 |
| Best for High Spenders | 6.0 | 5.8 |
| Best for Low Fees | 7.4 | 9.3 |
| Best for Beginners | 8.5 | 8.4 |
| Best Crypto Credit Card | 7.7 | 7.9 |
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
Debit card, Crypto-backed creditConditions apply: tap or hover for detailsShow source
Dual mode: Debit Mode and crypto-backed Credit Mode
Network
VisaShow source
MastercardConditions apply: tap or hover for detailsShow source
Network inferred from the Mastercard trademark notice next to the card issuer disclosure
Custody model
Self-custodyShow source
CustodialShow source
Card issuer / program manager
Third National (issuer); Piers Technology Inc. (KOSH, technology provider)Show source
DiPocket UABShow source
Tiers / plans
Base · Silver · Gold · PlatinumConditions apply: tap or hover for detailsShow source
Loyalty Tiers
Fees
Annual fee
$10/yearShow source
FreeShow source
Monthly fee
FreeShow source
FreeShow source
Physical card fee
$100Conditions apply: tap or hover for detailsShow source
Fee table accurate as of September 1, 2025
FreeConditions apply: tap or hover for detailsShow source
Requires at least Gold Loyalty Tier and portfolio above $5,000
Virtual card fee
$10Show source
FreeConditions apply: tap or hover for detailsShow source
Balance of at least $50 required to activate; stays in account
FX fee
2%Conditions apply: tap or hover for detailsShow source
Plus US $0.30 per international transaction; product page advertises 1.5% FX
0.2%Conditions apply: tap or hover for detailsShow source
Weekdays EEA/UK/CH; weekends 0.7%; rest of world 2% weekdays, 2.5% weekends
ATM fee
$1 + 1%Conditions apply: tap or hover for detailsShow source
Plus FX if applicable; $1 balance enquiry and $1 decline fees
2% (min. €1.99)Conditions apply: tap or hover for detailsShow source
After the free monthly allowance
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Per month, Base Loyalty Tier; Silver €400, Gold €1,000, Platinum €2,000
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
Weekend FX surcharge: 0.7% for EEA/UK/CH currencies and 2.5% for other currencies (vs 0.2% / 2% on weekdays)Show source
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
0.5%Conditions apply: tap or hover for detailsShow source
Base Loyalty Tier, Credit Mode only, account balance above $5,000 in digital assets; paid in NEXO Tokens (0.1% if paid in BTC)
Max cashback
5%Conditions apply: tap or hover for detailsShow source
Hotel bookings only; rates subject to rewards program terms
2%Conditions apply: tap or hover for detailsShow source
Up to; Credit Mode only, depends on loyalty tier
Cashback paid in
NEXO Tokens or BitcoinShow source
Cashback type
PointsShow source
CryptoShow 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
Max cashback per month
$100/monthConditions apply: tap or hover for detailsShow source
Up to; monthly limit scales with Loyalty Tier
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
Credit Mode only · Account balance above $5,000 worth of digital assets · Rate depends on Loyalty TierShow source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Higher cashback tiers depend on the share of NEXO Tokens held
Staking asset
NEXO TokenShow source
Minimum balance
$5,000Conditions apply: tap or hover for detailsShow source
Digital-asset balance required to earn cashback
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
Transactions made primarily to generate rewards · Manufactured spend, circular transactionsShow source
Credit & financing
Credit line
YesShow source
YesConditions apply: tap or hover for detailsShow source
Credit Mode
Credit type
Crypto-backed creditShow 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
1.9%Conditions apply: tap or hover for detailsShow source
'Starting from'; minimum rate
Interest notes
Crypto-backed Credit Line interest starting from 1.9% per year; rates vary by region and loyalty tierShow source
Grace period
Liquidation if payment not made within one calendar day; issuer may allow extra graceShow source
Repayment
Flexible repayment with no fixed schedule or credit checksShow source
Liquidation risk
YesShow source
YesShow source
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
Debit Mode
Spend by borrowing against collateral
YesConditions apply: tap or hover for detailsShow source
Credit Mode
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
Used in 90+ countries
EEA, United KingdomConditions apply: tap or hover for detailsShow source
Page says 'selected European countries'; ID document from the EEA, UK or another eligible European country required
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
ARS · USDConditions apply: tap or hover for detailsShow source
Nexo Domestic card (ARS) and Nexo International card (USD)
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
YesShow source
YesConditions apply: tap or hover for detailsShow source
Requires Gold Loyalty Tier and above $5,000 portfolio
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
USDC and USDT balance
YesConditions apply: tap or hover for detailsShow source
Debit Mode
Airport lounge access
YesConditions apply: tap or hover for detailsShow source
Unlocked as portfolio grows (tier-dependent)
Spendable assets
USD · USDCConditions apply: tap or hover for detailsShow source
Card collateralized by KOSH USD balance; USDC can be added
Stablecoins · Crypto · EURx · USDx · GBPxConditions apply: tap or hover for detailsShow source
Debit Mode; specific coins not listed
Blockchains
Ethereum · Polygon · Optimism · ArbitrumShow source
Security & custody
Regulation / licences
DiPocket UAB: e-money institution licensed by Bank of Lithuania (licence 75) · Tangany GmbH: BaFin-regulated crypto custody under MiCAR · DLT Securities GmbH: BaFin-regulated under MiCAR and MiFID IIShow source
Deposit protection
NoConditions apply: tap or hover for detailsShow source
Applies to Earn and Borrow products
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
Nexo Card
- Annual & monthly fees+0 EUR
- FX costs−7 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value83 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers