KuCoin Card (KuCard) vs Crypto.com Visa Card
How does KuCoin Card (KuCard) compare to Crypto.com Visa Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Crypto.com Visa Card · provisional, see how we rate
Quick answer. KuCoin Card (KuCard) and Crypto.com Visa Card are both crypto cards — here's how they differ. Key differences: annual fee (KuCoin Card (KuCard): EUR 10 annual maintenance (EUR 9.99 one-time issuance) vs Crypto.com Visa Card: Midnight Blue free; Ruby $4.99/mo or $49.90/yr (or $500 CRO stake); Royal Indigo $29.99/mo or $299.90/yr (or $5,000 CRO stake); higher tiers require CRO stake); foreign-spend fee (KuCoin Card (KuCard): No fee on EUR transactions within Europe; 2% on foreign transactions outside Europe vs Crypto.com Visa Card: 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian)). Our provisional scoring rates Crypto.com Visa Card higher (7.3/10 vs 7.2/10), but the best pick depends on your country and how you spend.
| Feature | KuCoin Card (KuCard) | Crypto.com Visa Card |
|---|---|---|
| Our score | 7.2/10 | 7.3/10 |
| Type | Debit | Prepaid |
| Networks | Visa | Visa |
| Rewards | Up to 3% cashback plus purchase discounts | Up to 4.5% back in CRO on spending, tiered: Ruby Steel 1.5% (up to $750/mo), Royal Indigo 2.5% (up to $1,500/mo), Rose Gold 3.5% (up to $3,000/mo then 0.5%), Obsidian 4.5% (up to $5,000/mo then 1%); Midnight Blue 0% |
| Annual fee | EUR 10 annual maintenance (EUR 9.99 one-time issuance) | Midnight Blue free; Ruby $4.99/mo or $49.90/yr (or $500 CRO stake); Royal Indigo $29.99/mo or $299.90/yr (or $5,000 CRO stake); higher tiers require CRO stake |
| FX fee | No fee on EUR transactions within Europe; 2% on foreign transactions outside Europe | 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) |
| ATM fee | EUR 1.50 per EUR ATM withdrawal within Europe; 2% on foreign-currency ATM withdrawals outside Europe | 2% on amounts above the monthly free ATM limit; free limit $200-$1,000/mo depending on tier |
| KYC | Full | Full |
| Custody | — | Custodial |
| Supported coins | USDT (primary); additional cryptocurrencies expected | Rewards paid in CRO |
| Availability | European Economic Area (EEA) only — 30 listed countries incl. AT, BE, BG, HR, CY, CZ, DK, EE, FI, FR, DE, GR, HU, IE, IT, LV, LT, LU, MT, NL, PL, PT, RO, SK, SI, ES, SE, IS, LI, NO | — |
| Apple / Google Pay | Yes | — |
Choose KuCoin Card (KuCard) if…
- You reside in the European Economic Area (EEA) as the card is only available in those 30 countries.
- You prefer a straightforward debit card without needing to stake cryptocurrencies to unlock rewards tiers.
- You want to earn up to 3% cashback on purchases plus additional purchase discounts.
- You primarily hold USDT or are looking to use USDT for transactions, as it is the primary supported cryptocurrency.
- You want to avoid foreign exchange fees on EUR transactions within Europe.
- You prefer a card with a lower annual fee of EUR 10, with a one-time issuance fee of EUR 9.99.
- You value the ability to pay directly from your wallet.
Choose Crypto.com Visa Card if…
- You are interested in a prepaid card that offers higher cashback rates of up to 4.5% in CRO, depending on the tier you qualify for.
- You are willing to stake or lock up CRO tokens to unlock higher reward tiers and additional benefits.
- You are comfortable with a custodial wallet, as Crypto.com manages the card’s funds.
- You want the flexibility of a card that offers no foreign exchange fees on certain tiers (Rose Gold and Obsidian).
- You are looking for a card with a higher free ATM withdrawal limit, ranging from $200 to $1,000 per month depending on the tier.
- You are comfortable with a tiered rewards system that caps cashback at certain spending thresholds.
- You are interested in additional perks that come with higher staking tiers, such as lounge access and higher free ATM withdrawal limits.
Bottom line
When choosing between the KuCoin Card and the Crypto.com Visa Card, consider your location, willingness to stake cryptocurrencies, and desired rewards structure. The KuCoin Card is ideal for EEA residents who prefer a simple debit card with cashback and discounts, without the need for staking. On the other hand, the Crypto.com Visa Card is suited for those who are willing to stake CRO to access higher rewards and additional benefits, and who are comfortable with a tiered rewards system and a custodial wallet. For more detailed insights, check out our rating methodology.