Visa · Custodial · Full KYC · Virtual and Physical
KOSH Card (formerly Copperx): Fees, Limits and Cashback
KOSH Card (formerly Copperx) is a custodial Visa card from KOSH (Piers Technology Inc., formerly Copperx) that converts USDC and USDT with no conversion fee. The FX markup on foreign-currency spending is 0.5%, and it pays no cashback. The annual fee is $8. Supported countries are shown in the app at sign-up.
KOSH pros and cons
Pros
- No conversion fee on USDC and USDT
- 0.5% FX markup on foreign-currency spending
- Works with Apple Pay and Google Pay
- Free virtual card
Cons
- No cashback on spending
- Supported countries shown only in the app
- Physical card costs $80
KOSH fees and limits
| Virtual card | Free |
|---|---|
| Physical card | $80 |
| Annual fee | $8 |
| Monthly fee | None |
| Crypto conversion fee | 0% |
| FX markup | 0.5% |
| Fee on purchases in USD | None |
| ATM withdrawals | 1% + $1 |
| Daily spending limit | Not disclosed |
| Monthly spending limit | Not disclosed |
| Daily ATM limit | $750 |
| Card currency | USD |
"Not disclosed" means KOSH does not publish the figure. Fees are read from the issuer's own pages, linked under Sources.
KOSH cashback and rewards
| Tier | Rate | Paid in | Monthly spend cap | Requirement |
|---|---|---|---|---|
| Everyday | 0% | Not stated | None published | None |
KOSH lists 10% reward points as coming soon. No reward is paid today.
What KOSH costs over a year
Net value per year after cashback, conversion, FX, ATM and fixed fees, with US dollars as the home currency, 20% of spending abroad and one $200 ATM withdrawal a month.
| Monthly spending | Net per year | Tier used |
|---|---|---|
| $500 | ≤ -$14 | Everyday |
| $2,000 | ≤ -$32 | Everyday |
| $5,000 | ≤ -$68 | Everyday |
Run it with your own numbers in the card cost calculator.
KOSH Apple Pay, Google Pay and ATM withdrawals
KOSH works with Apple Pay and Google Pay. ATM withdrawals: 1% + $1, up to $750 a day. It runs on Visa, so it works wherever that network is accepted, online and in shops.
Where KOSH is available
KOSH does not publish a country list. KOSH says it supports onboarding in 90+ countries without publishing the list.
The crypto card finder lists every card we track by country.
Topping up KOSH
KOSH tops up with USDC and USDT. There is no conversion fee on its main stablecoins. The card is custodial, so the provider holds your card balance.
How to get the KOSH card
- Check in the KOSH app that the card is offered where you live, because KOSH does not publish a country list.
- Download the KOSH app and complete identity verification with a government ID and a selfie check.
- Top up with USDC and USDT, which converts with no conversion fee.
- Issue the virtual card for free and add it to Apple Pay or Google Pay.
- Order the physical card for $80 if you need ATM withdrawals or chip and PIN payments.
Who the KOSH card suits
- Travellers and people who pay in several currencies, thanks to its 0.5% FX markup.
- Stablecoin holders, because USDC and USDT convert with no fee.
KOSH overall rating
KOSH rates 27/100 in our crypto card ranking.
| Factor | Detail | Points |
|---|---|---|
| Reach | Country list not published | 0 / 40 |
| Yearly cost | -$32 a year at $2,000 a month | 14.2 / 30 |
| Safety | 44/100 | 13.2 / 30 |
Is KOSH safe?
KOSH scores 44/100 (Fair) in our safety check. Issuer: KOSH (Piers Technology Inc., formerly Copperx). Licence details are not published.
KOSH (Piers Technology Inc.) says it is a financial technology company, not a bank or a money services business, and that some services are provided by licensed partners it does not name. It says stablecoin holdings sit with regulated custodians.
Compare KOSH with other cards
Frequently asked questions
What are the KOSH card fees?
Is KOSH available in the US?
Does KOSH have cashback?
What is the KOSH ATM withdrawal fee?
Does KOSH work with Apple Pay and Google Pay?
Is KOSH safe?
Sources
- KOSH fees · checked September 24, 2026
- KOSH availability · checked September 24, 2026