by KuCoin
The KuCard earns 1-3% cashback on a Visa debit card with a €9.99 one-time fee, available in EEA + Australia.
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.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in Europe guide.
On $500/mo spend, the estimated monthly cost breakdown for KuCard is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.83, for a total drag of 1.7% of spend. After $5.00/mo cashback that is still a net cost of about $3.33/mo ($39.96/yr). KuCard tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
| 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) |
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.
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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.
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%).
The KuCard has an annual fee of €9.99 one-time. Additional fees: Conversion fee: ~1.5%.
The KuCard is available in EEA + Australia. Its availability status is "EEA + Australia".
The KuCard is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the KuCard supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.