Yearly cost at three spending levels
| Monthly spend | KAST | KOSH |
|---|---|---|
| $500 | -$15 Standard | ≤ -$14 Everyday |
| $2,000 | +$192 Standard | ≤ -$32 Everyday |
| $5,000 | +$66 Standard | ≤ -$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 | KAST Standard | KOSH Everyday |
|---|---|---|
| Top-up and conversion fees | $0 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$84.00 | -$24 |
| ATM fees | -$84 | Not disclosed |
| Annual, monthly and subscription fees | $0 | -$8 |
| Cashback | +$360 | $0 |
| Net per year | +$192 | -$32 |
Fees
KAST charges 0% to convert or top up and 1.75% on spending in a foreign currency. KOSH charges 0% and 0.5%.
ATM withdrawals: KAST 2% + $3; KOSH 1% + $1.
A virtual card costs nothing with KAST and nothing with KOSH. A physical card costs $40 and $80.
Cashback and rewards
KAST cashback: 1.5% to 3%. KOSH cashback: None.
KAST tiers: Standard: 1.5% on the first $2,000 a month; Premium ($1,000 a year): 2% on the first $10,000 a month; Private ($10,000 a year): 3% on the first $40,000 a month.
KOSH tiers: Everyday: 0%.
KAST: Premium and Private also earn KAST Points (1% and 2%), which this model does not value.
KOSH: KOSH lists 10% reward points as coming soon. No reward is paid today.
Availability and KYC
KAST does not publish a country list. KAST shows supported countries only in the app during sign-up.
KOSH does not publish a country list. KOSH says it supports onboarding in 90+ countries without publishing the list.
KAST 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
KAST publishes ATM withdrawals of up to $750 a day.
KOSH publishes ATM withdrawals of up to $750 a day.
KAST works with Apple Pay and Google Pay, and KOSH works with Apple Pay and Google Pay. KAST issues a virtual card you can use straight away.
Custody and safety
KAST 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. KAST's terms say accounts, cards and custody are provided by licensed partners and the card is issued "by the Issuer under license from Visa", without naming the issuer.
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: KAST safety check and KOSH safety check.
About each card
KAST Card is a custodial Visa card from KAST. It tops up with USDT and USDC.
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
KAST fits if
- You want a higher cashback ceiling (up to 3%).
KOSH fits if
- You spend in foreign currencies often, since its FX markup is lower.
Read more: KAST fees and details · KOSH fees and details