KOSH Global Card vs Oobit
Crypto native
Crypto native
Verdict
- Oobit scores higher overall (8.0 vs 7.3 out of 10).
- KOSH Global Card is clearly stronger on: Fees, Credit & financing, Limits & ATM.
- Oobit is clearly stronger on: Cashback & rewards, FX & international, Product features, Custody & security.
- For 1,500 EUR/month of spend, KOSH Global Card comes out about 233 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: Fees, Credit & financing, Limits & ATM
Oobit is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Everyday spenders who want cashback
Stronger on: Cashback & rewards, FX & international, Product features, 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 | KOSH Global Card | Oobit |
|---|---|---|
| Fees | 96 | 71 |
| Cashback & rewards | 49 | 100 |
| Availability | 100 | 100 |
| FX & international | 20 | 40 |
| Product features | 70 | 90 |
| Custody & security | 80 | 95 |
| Credit & financing | 75 | 30 |
| Limits & ATM | 71 | 50 |
| Transparency | 100 | 93 |
| Best for Cashback | 6.6 | 8.9 |
| Best for Travel | 5.9 | 6.6 |
| Best for Self-Custody | 7.2 | 8.6 |
| Best for DeFi Users | 7.3 | 7.9 |
| Best for Stablecoins | 6.7 | 7.8 |
| Best for High Spenders | 6.0 | 7.4 |
| Best for Low Fees | 7.4 | 6.3 |
| Best for Beginners | 8.5 | 9.0 |
| Best Crypto Credit Card | 7.7 | n/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
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
Self-custodyConditions apply: tap or hover for detailsShow source
Crypto stays in your wallet until the moment you pay
Card issuer / program manager
Third National (issuer); Piers Technology Inc. (KOSH, technology provider)Show source
Third National (issuer, under license from Visa); program provided by Oobit Technologies UABShow source
Fees
Annual fee
$10/yearShow source
FreeConditions apply: tap or hover for detailsShow source
No fee for the card itself
Monthly fee
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
1.5%Conditions apply: tap or hover for detailsShow source
Up to 1.5% on non-USD purchases
Crypto conversion fee
0.95%Conditions apply: tap or hover for detailsShow source
Swaps; 3% when swapping into OOB
ATM fee
$1 + 1%Conditions apply: tap or hover for detailsShow source
Plus FX if applicable; $1 balance enquiry and $1 decline fees
2.5% (min. $0.25)Conditions apply: tap or hover for detailsShow source
Plus ATM operator fees
Settlement fee
1% (min. $0.25)Conditions apply: tap or hover for detailsShow source
Per card payment (Brazil: 1%, no minimum)
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
Crypto withdrawal to another wallet: network fee (higher for ERC-20)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
5%Conditions apply: tap or hover for detailsShow source
Only for eligible transactions paid in USDT/USDC, capped at USD 200 eligible spend (period not stated); available from level 1; Oobit may change offers with 30 days' notice
Max cashback
5%Conditions apply: tap or hover for detailsShow source
Hotel bookings only; rates subject to rewards program terms
10%Conditions apply: tap or hover for detailsShow source
Up to
Cashback paid in
USDC (EEA residents) / USDT (outside EEA)Show source
Cashback type
PointsShow source
StablecoinConditions apply: tap or hover for detailsShow source
Points convert to USDC (EEA residents) or USDT (outside EEA); OOB payments earn token rewards
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-eligible spend cap
$200/monthConditions apply: tap or hover for detailsShow source
When paying with tokens other than OOB; $10,000/month when paying with OOB
Max cashback per month
$500/monthConditions apply: tap or hover for detailsShow source
When paying with OOB (on up to USD 5,000 spend per calendar month)
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
Tap to Pay points: 1x at level 1 up to 5x at USD 1,500 cumulative spend in a 90-day cycle · 1,000 points = USD 1 · Qualifying Payment must be at least USD 1 · Rewards usable only for Tap to Pay payments; cannot be withdrawn or transferredShow source
Staking / holding required for top rewards
NoShow 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
Outstanding accrued rewards are lost if the account is closed, suspended or restrictedShow source
Reward exclusions
Transactions made primarily to generate rewards · Manufactured spend, circular transactionsShow source
Payments without sufficient crypto in account · Payments the merchant does not receive · Refunded or reversed paymentsShow source
Credit & financing
Credit line
YesShow source
NoConditions apply: tap or hover for detailsShow source
Classified as credit card only for network acceptance; spends own crypto
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
0%Conditions apply: tap or hover for detailsShow source
Currently 0% on all purchases; issuer may introduce interest for new purchases
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
GlobalConditions apply: tap or hover for detailsShow source
Used in 90+ countries
AL, AD, Austria, Belgium, BA, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, GE, Germany, GI, Greece, GG, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, MD, MC, ME, Netherlands, MK, Norway, Poland, Portugal, Romania, RS, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, KZ, KG, Malaysia, Philippines, Saudi Arabia, South Korea, TW, Thailand, United Arab Emirates, Vietnam, BS, CR, DO, SV, GL, GT, Mexico, PA, PR, United States, Argentina, Brazil, Chile, Colombia, EC, PY, Peru, UY, South Africa, TZ, Australia, New ZealandConditions apply: tap or hover for detailsShow source
Country list as given on the page (74 countries listed, page claims 80+)
Not available in
United StatesConditions apply: tap or hover for detailsShow source
International terms for non-US persons; separate US terms exist
United StatesConditions apply: tap or hover for detailsShow source
Card intended for non-US citizens (citizenship, not residence)
Account / spend currencies
USDShow source
USDConditions apply: tap or hover for detailsShow source
Base currency; other currencies converted automatically, rate shown on receipt
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
YesConditions apply: tap or hover for detailsShow source
After verification
Google Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
After verification
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
USDC and USDT balance
YesShow source
Travel / rental car insurance
YesConditions apply: tap or hover for detailsShow source
Worldwide auto rental coverage via Visa Platinum; no general travel insurance stated
Purchase protection
YesConditions apply: tap or hover for detailsShow source
Visa Platinum benefits, included automatically
Spendable assets
USD · USDCConditions apply: tap or hover for detailsShow source
Card collateralized by KOSH USD balance; USDC can be added
USDC · USDT · BNB · USDR · EURR · BTC · DOGE · ETH · SOL · TRX · XRP · XTZ · TON · VET · XAUT · LTC · XLM · TRUMP · ADA · BCH · SHIBShow source
Blockchains
Ethereum · Polygon · Optimism · ArbitrumShow source
Ethereum · BNB Smart Chain · Solana · PolygonConditions apply: tap or hover for detailsShow source
DePay payments
Limits
Spending limit
$10,000Conditions apply: tap or hover for detailsShow source
Per day; maximum limit
Security & custody
Regulation / licences
US: crypto services via Bakkt Financial Solutions I, LLC (FinCEN MSB, state money transmitter licences)Show 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
Oobit
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- Per-transaction fees−180 EUR
- ATM costs−30 EUR
- Cashback+107 EUR
- Net annual value-157 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers