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KOSH Global Card vs wavecard

KOSH Global Card

Crypto native

7.3
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wavecard

Crypto native

7.8
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Verdict

  • wavecard scores higher overall (7.8 vs 7.3 out of 10).
  • KOSH Global Card is clearly stronger on: Product features, Custody & security, Limits & ATM.
  • wavecard is clearly stronger on: Cashback & rewards, FX & international.
  • For 1,500 EUR/month of spend, wavecard comes out about 404 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: Product features, Custody & security, Limits & ATM

wavecard is a good fit for

  • Everyday spenders who want cashback
  • Frequent travellers

Stronger on: Cashback & rewards, FX & international

★ 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 Cashwavecard vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKOSH Global Cardwavecard
Fees9687
Cashback & rewards4975
Availability100100
FX & international20100
Product features7056
Custody & security8060
Credit & financing75–
Limits & ATM7120
Transparency100100
Best for Cashback6.67.7
Best for Travel5.97.9
Best for Self-Custody7.2n/a
Best for DeFi Users7.36.9
Best for Stablecoins6.7n/a
Best for High Spenders6.07.3
Best for Low Fees7.48.2
Best for Beginners8.58.0
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
Debit cardShow source

Network

VisaShow source
VisaShow source

Custody model

Self-custodyShow source
CustodialConditions apply: tap or hover for detailsShow source

Card funded from the user's Wave Space Crypto account held via partner Lightspark

Card issuer / program manager

Third National (issuer); Piers Technology Inc. (KOSH, technology provider)Show source
Lightspark Payments Europe AS (partner for financial services); Wave Space acts as distributorConditions apply: tap or hover for detailsShow source

Card issued via white-label arrangement with a third-party provider

Fees

Annual fee

$10/yearShow source
No data yet

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

€29.99Conditions apply: tap or hover for detailsShow source

Tracked delivery free; express delivery €30

Virtual card fee

$10Show source
€2.99Show 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

0%Show source

Crypto conversion fee

No data yet
1%Conditions apply: tap or hover for detailsShow source

Fee on card payments

ATM fee

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

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

€2 + 3%Show source

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
€30 express delivery for physical card · Network withdrawal fees on crypto withdrawals (may differ from actual network fee) · Possible maintenance fee for accounts inactive 365 daysShow 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

3%Conditions apply: tap or hover for detailsShow source

Up to 21,000 sats in total

Max cashback

5%Conditions apply: tap or hover for detailsShow source

Hotel bookings only; rates subject to rewards program terms

No data yet

Cashback paid in

No data yet
BTCShow 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

No data yet

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

EEAConditions apply: tap or hover for detailsShow source

Residents 18+

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
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Virtual USD, EUR, GBP, AED and SWIFT accounts

YesShow source

Features

Apple Pay

YesShow source
NoConditions apply: tap or hover for detailsShow source

Only via the Curve app; direct Apple Pay support coming soon

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

No data yet
YesShow source

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

BTCConditions apply: tap or hover for detailsShow source

Bitcoin-only

Blockchains

Ethereum · Polygon · Optimism · ArbitrumShow source
Bitcoin · LightningShow source

Limits

ATM limit

No data yet
€350Conditions apply: tap or hover for detailsShow source

Daily; monthly €3,000

Spending limit

No data yet
€10,000Conditions apply: tap or hover for detailsShow source

Daily and monthly; monthly up to €15,000 with Tier 2 KYC

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

wavecard

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−60 EUR
  • Cashback+540 EUR
  • Net annual value480 EUR

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

More KOSH Global Card comparisons

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