Yearly cost at three spending levels
| Monthly spend | Binance Card | KOSH |
|---|---|---|
| $500 | +$20.40 Tier 2 | ≤ -$14 Everyday |
| $2,000 | +$386.40 Tier 3 | ≤ -$32 Everyday |
| $5,000 | +$398.40 Tier 3 | ≤ -$68 Everyday |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | Binance Card Tier 3 | KOSH Everyday |
|---|---|---|
| Top-up and conversion fees | -$237.60 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$96 | -$24 |
| ATM fees | $0 | Not disclosed |
| Annual, monthly and subscription fees | $0 | -$8 |
| Cashback | +$720 | $0 |
| Net per year | +$386.40 | -$32 |
Fees
Binance Card charges 0.9% to convert or top up and 2% on spending in a foreign currency. KOSH charges 0% and 0.5%.
The conversion fee applies to every dollar you load, so KOSH's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $9.
ATM withdrawals: Binance Card $1.50 after 2 free a month; KOSH 1% + $1.
A virtual card costs nothing with Binance Card and nothing with KOSH. A physical card costs $10 and $80.
Cashback and rewards
Binance Card cashback: 1.5% to 3%. KOSH cashback: None.
Binance Card tiers: Tier 1: 1.5%; Tier 2: 2% from $100 of monthly spend; Tier 3: 3%, capped at $100 a month from $1,000 of monthly spend.
KOSH tiers: Everyday: 0%.
Binance Card: Tiers updated on 1 June 2026. The tier you reach in a calendar month applies to all of that month's eligible spending, and cashback is paid by the 10th of the next month in USDC or BTC depending on your country. Brazil uses the same rates in BRL with a R$500 cap.
KOSH: KOSH lists 10% reward points as coming soon. No reward is paid today.
Availability and KYC
Binance Card is offered in 8 countries, including Australia, Mexico, Argentina and Brazil. Binance runs the card through its Global Program in "selected countries" and confirms eligibility at application. Its support pages name Australia, New Zealand, Mexico, Colombia, Peru and Armenia, plus some CIS countries it doesn't list, and separate programs in Argentina and Brazil. It isn't offered in the US, the UK or the EU.
KOSH does not publish a country list. KOSH says it supports onboarding in 90+ countries without publishing the list.
Binance Card needs full KYC and KOSH needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Binance Card publishes a daily spending limit of $5,000 and a monthly limit of $15,000.
KOSH publishes ATM withdrawals of up to $750 a day.
Binance Card works with Apple Pay, and KOSH works with Apple Pay and Google Pay. Binance Card issues a virtual card you can use straight away.
Custody and safety
Binance Card scores 61/100. Licensing: holds a licence or registration outside the tier-one list (Outside Brazil and Argentina, the card is issued by Immersve Limited, a New Zealand company (FSP1003031) and Mastercard Global Reach partner. In Brazil it is issued by Dock, a payment institution regulated by the Central Bank of Brazil). The card is issued through Immersve Limited. 2023-11-21: Binance pleaded guilty in the US to anti-money laundering and sanctions violations and agreed to pay more than $4 billion. Binance stopped offering new crypto-asset services in the EU from 1 July 2026 after withdrawing its MiCA application.
KOSH scores 44/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. 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.
Full reports: Binance Card safety check and KOSH safety check.
About each card
Binance Card is a custodial Mastercard from Binance. It tops up with USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK and XRP.
KOSH Card (formerly Copperx) is a custodial Visa card from KOSH (Piers Technology Inc., formerly Copperx). It tops up with USDC and USDT.
Which card fits you
Binance Card fits if
- You want a higher cashback ceiling (up to 3%).
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
KOSH fits if
- You spend in foreign currencies often, since its FX markup is lower.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
Read more: Binance Card fees and details · KOSH fees and details · Binance Card review