KOSH Card
Stablecoin-collateralised Visa card from KOSH (previously Copperx), aimed at freelancers and creators. Virtual and physical cards, accepted in 180+ countries, funded from a USD balance held with regulated custodians. Earns KOSH Points on spending and 5% back on hotel bookings.
Is the KOSH Card worth it?
The KOSH Card is a secured credit card on Visa, paying up to 10% back on spend. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
- you want up to 10% back on everyday spending
- you don't want to stake or lock up a token to earn the rate
THINK TWICE IF
- you want to hold your own keys — this card is custodial
- a fixed cost is a dealbreaker — the annual fee is Not published
- you're outside 90+ countries
How we rate the KOSH Card
- Cost25%4.0 / 5
No monthly fee, free crypto top-ups and 1.5% on non-USD spending. No annual fee or ATM charge is published anywhere, which is itself a gap.
- Conditions25%4.5 / 5
No stake or balance requirement is published, and the card is funded from your own USD balance.
- Rewards25%2.5 / 5
10% in KOSH Points plus 5% back on hotel bookings. Points have no published cash value, so what the 10% is actually worth cannot be verified.
- Reliability25%2.5 / 5
The product has been rebranded from Copperx to KOSH, the old help centre now redirects, and no public fee page exists for any of it.
Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.
The card at a glance
Earning Up to 10%
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Up to 10%, 10% in KOSH Points on eligible purchases, plus 5% cashback on hotel bookings, paid in KOSH Points, USDC. No staking required for the base rate.
Fees you'll actually meet
ℹ️ 10% in KOSH Points on eligible purchases, plus 5% cashback on hotel bookings.
Strengths and trade-offs
WORKS FOR YOU IF
- 10% in KOSH Points on every purchase
- Virtual and physical cards, with Apple Pay and Google Pay
- 5% cashback on hotel bookings
- No credit check
LOOK ELSEWHERE IF
- Annual and ATM fees not published
- 1.5% FX fee on non-USD spending
- Rewards are points with no published cash value
What sets it apart
- Card funded from a USDC/USDT stablecoin balance held with regulated custodians
- Cards can be assigned to family members
- 5% cashback on hotel bookings
Common questions
Where can I use the KOSH Card?
Does the KOSH Card have an annual fee?
Do I need to stake anything to earn rewards?
How much can I earn with the KOSH Card?
Does it work with Apple Pay and Google Pay?
Figures on this page come from Piers Technology Inc's published card terms and were verified on October 3, 2026. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
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