KuCard Review (2026)

by KuCoin

Reviewed by Card Pilled Editorial · Last verified 2026-05-12

Key Facts

Cashback

1-3%

Annual Fee

€9.99 one-time

Region

EEA + Australia

Type

Debit

Network

Visa

KYC

full

Mobile Pay

Apple Pay, Google Pay

Overview

KuCoin is a centralized cryptocurrency exchange founded in 2017 by Chun Gan, Ke Tang, and Johnny Lyu, originally launched in China before relocating its operations through Hong Kong and Singapore to Seychelles. On January 27, 2025, KuCoin's operating entity Peken Global Ltd. pleaded guilty in the Southern District of New York to operating an unlicensed money-transmitting business and agreed to pay roughly $297 million in forfeiture and fines, and to exit the US market for at least two years.

The KuCard is a crypto debit card offered by KuCoin, available in EEA + Australia. It offers 1-3% cashback across 5 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at €9.99 one-time. It runs on the Visa network and requires full identity verification.

Fees & Costs

Conversion Fee

~1.5%

Cashback Tiers

KuCard cashback tiers and requirements

Tier	Rate	Requirement
VIP 0 base	1%	Free, KuCoin VIP 0 (no holdings/volume), at least 1 KCS staked
VIP 1-4 + K1 bonus	1.8%	VIP 1-4 + KCS staked (1.5% base + 0.3% K1 ratio bonus)
VIP 5-7 + K2 bonus	3%	VIP 5-7 + KCS 1-5% of total assets (2% base + 1% K2 bonus)
VIP 8-10 + K3 bonus	4.5%	VIP 8-10 + KCS 5-10% of assets (2.5% base + 2% K3 bonus)
VIP 11-12 + K4 bonus	8%	VIP 11-12 + KCS >10% of total assets (3% base + 5% K4 bonus)

Pros

• High cashback rate of up to 1-3%
• Supports Apple Pay and Google Pay

Cons

• Annual fee of €9.99 one-time may reduce net returns

Note: KuCoin's EEA debit card (Visa). Cashback = base VIP rate + KCS Loyalty bonus (ratio of staked KCS / total account assets, refreshed daily 07:00 UTC+8). Base rates: VIP 0=1%, VIP 1-4=1.5%, VIP 5-7=2%, VIP 8-10=2.5%, VIP 11-12=3%. KCS bonus tiers: K1 (≤1% ratio)=+0.3%, K2 (1-5%)=+1%, K3 (5-10%)=+2%, K4 (>10%)=+5%. Max combined ~8% (VIP 11-12 + K4). Cashback paid in BTC/ETH/USDT/KCS. €9.99 one-time card fee. Australia card (KuCard-AU, Mastercard, launched Apr 24, 2026): up to 8.5% advertised; AUSTRAC-registered; specific 8.5% promo end date not publicly disclosed.

Similar Cards

Other crypto cards in the same region or category that may suit your spending profile:

• Gate Card by Gate.io - Up to 5% cashback, €0 fee, EEA
• Nexo Card by Nexo - 0.5-2% NEXO cashback, $0 fee, EEA/UK/Switzerland
• Bybit Card by Bybit - 2-10% cashback, €0 (€5 card issuance) fee, EEA/Switzerland/LATAM
• Bleap Card by Bleap - 1-20% USDC cashback, $0 fee, EEA + Switzerland
• Krak Card by Kraken - Up to 2% cashback, $0 fee, UK + EEA
• Holyheld Card by Holyheld - 0.5-1% USDC cashback, €29-€199 one-time fee, EEA (30 countries)
• Bitsa Card by Bitsa - 0% cashback, €20 physical fee, EEA
• Bitwala Card by Bitwala - 0% cashback, 1% trading fee, EEA (29 countries)

FAQ

What is the KuCard?

The KuCard is a crypto debit card offered by KuCoin. It is available in EEA + Australia and allows users to spend cryptocurrency at merchants worldwide.

How much cashback does the KuCard offer?

The KuCard offers 1-3% cashback. There are 5 tiers: VIP 0 base (1%), VIP 1-4 + K1 bonus (1.8%), VIP 5-7 + K2 bonus (3%), VIP 8-10 + K3 bonus (4.5%), VIP 11-12 + K4 bonus (8%).

What are the fees for the KuCard?

The KuCard has an annual fee of €9.99 one-time. Additional fees: Conversion fee: ~1.5%.

Where is the KuCard available?

The KuCard is available in EEA + Australia. Its availability status is "EEA + Australia".

Is the KuCard a credit or debit card?

The KuCard is a debit card. You need to load cryptocurrency onto the card before making purchases.

Does the KuCard support Apple Pay or Google Pay?

Yes, the KuCard supports Apple Pay and Google Pay for contactless payments.

Visit KuCoin

Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.