A physical or virtual Visa card linked to your KOSH USD balance. Spend at 1.5% FX in 180+ countries, with Apple Pay and Google Pay.
Accepted in 180+ countries
Physical and virtual cards
Funded by your USD balance
Issue in under a minute
Issue physical and virtual cards funded by your KOSH USD balance. Spend anywhere Visa is accepted, manage team cards with full control, and earn rewards on every transaction.
Local cards stop at the border. Your KOSH card spends in 180+ countries at 1.5% FX, so you can finally pay for the tools, subscriptions, and trips you actually use.
Accepted in 180+ countries
Pay for tools and subscriptions
Spend on travel and hotels
No forced conversion to local currency. Hold USD in KOSH, spend USD on the card, and keep your earnings in dollars.
Linked to your KOSH USD balance
Spend USD anywhere Visa works
Zero fees on USD spending
AI reads every card swipe, learns your spend patterns, and turns each transaction into clear answers.
Smart insights on every transaction
Recurring subscriptions surfaced
Spend trends grouped by category
Set limits, freeze a card, and add it to Apple Pay or Google Pay in two taps.
Order a metal Visa card, shipped worldwide, ready to swipe wherever you travel or live.
Generate a virtual card in seconds for online checkouts, subscriptions, or single-use payments.
Set spending limits, freeze or unfreeze instantly, and lock cards to specific categories or merchants.
Add your card to Apple Pay or Google Pay and tap to pay anywhere contactless is accepted.
See where your money goes with category breakdowns, merchant insights, and recurring spend surfaced automatically.
Earn Points on every transaction with a flexible points system designed to maximize value from your everyday spending.
Get 5% cashback on hotel bookings when you pay with your KOSH card. Travel turns into instant savings.
Invite friends to KOSH and earn $5 for every successful referral.
Issue cards to every team member, set custom limits, and see every transaction across the team in one dashboard.
Cards for every team member
Pay expenses in USDC
Real-time spend tracking
Manage team spending
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A US bank account in my name made everything easier. Payments came in faster, fees dropped, and the stress around getting paid disappeared.
Hafiizhun
Motion Designer
I work on Upwork, but most payment platforms barely work in Indonesia. With KOSH, I get paid in USD, hold it, and convert only when I want to.
Didin Ahmadi
Freelancer from Indonesia
Your card is just one part of KOSH. Hold USD, grow your balance, and pay anyone in the world, all from a single account.
Receive USD payments from US clients and platforms via ACH and wire, in your name.
Earn 4 to 6% yield on your idle cash balance, far more than your traditional bank pays.
Grab the opportunity to invest in crypto and stocks from your KOSH balance.
Send money across borders and cash out USDC straight to any bank account.
Your card is just one part of KOSH. Hold USD, grow your balance, and pay anyone in the world, all from a single account.
Receive USD payments from US clients and platforms via ACH and wire, in your name.
Earn 4 to 6% yield on your idle cash balance, far more than your traditional bank pays.
Grab the opportunity to invest in crypto and stocks from your KOSH balance.
Send money across borders and cash out USDC straight to any bank account.
A Visa card connected directly to your KOSH wallet. Spend your USDC balance anywhere Visa is accepted, online, in stores, and abroad, with no manual conversions or transfers.
Download the KOSH app from the App Store or Google Play and sign in. Open the Cards section and follow the on-screen application steps. You'll submit a valid ID, a recent bank statement, and complete a quick self-verification. Once approved, your virtual card is issued instantly and ready to use. Availability depends on your country, so check the supported regions before applying.
Your card is funded by your KOSH USD balance. The easiest way to top up is through your KOSH virtual USD account, a named account in your name that accepts ACH and wire payments from US clients, payroll providers, and platforms. Funds received settle into your USD balance and are instantly available on your card. You can also add USDC directly to your wallet and load it onto the card, which updates within 10 to 15 minutes after the on-chain transaction confirms.
Yes. Use your card worldwide for shopping, travel, SaaS tools, and recurring payments like Netflix or Spotify. It works wherever Visa is accepted.
Payments in USD are free. International transactions in other currencies are converted at 1.5% per transaction, one of the lowest FX rates in the industry, with no hidden fees.
The KOSH Global Card is available to residents of 90+ countries, including India, Indonesia, Philippines, Vietnam, Thailand, Malaysia, the UAE, Brazil, Mexico, Argentina, and EU member states. The card is accepted in 180+ countries worldwide, anywhere Visa works.
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