Bitpanda Card vs KuCoin Card (KuCard)

Comparing: two crypto cards
Decided by: Editorial rating
Last reviewed: 2026-08-25

Bitpanda Card is a Visa debit card for euro area residents that pays a flat 1% cashback in whichever crypto asset funded the purchase, with no VIP tier or staking requirement.

KuCoin Card (KuCard)2.7

KuCoin Card is a New Zealand only debit card paying 1% to 3% base cashback in USDC or KCS by VIP tier, with a KCS Loyalty bonus pushing the maximum toward 8.5%.

Verdict: Bitpanda Card

Bitpanda Card rates higher on our rubric: 4.1 against 2.7 for KuCoin Card (KuCard).

Criterion: Editorial rating
Bitpanda Card: 4.1
KuCoin Card (KuCard): 2.7

Bitpanda Card and KuCoin Card (KuCard), fact by fact

Every row is from the two reviews as of their review dates, with sources on each. A check marks the side a decidable criterion favours; rows without one are information, not a score.

Bitpanda Card and KuCoin Card (KuCard) compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
Fact	Bitpanda Card	KuCoin Card (KuCard)
Editorial rating	4.1 (favoured on this row)	2.7
Issuer	Bitpanda GmbH (Austrian FMA-licensed); Visa issued via Transact Payments Malta Limited	KuCoin
Cashback	Flat 1% cashback in the same crypto asset used for each purchase, available to all cardholders since April 2025 with no token-holding or staking tier required.	New Zealand program: 1% to 3% base cashback (USDC or KCS) by VIP tier, plus up to a further 5.5% KCS Loyalty Level bonus, capped at 250 USDC redeemed per month. A separately reported EEA program's cashback terms are not confirmed on an official KuCoin page.
Top reward tier	1% cashback, paid in the crypto asset used for the purchase (Standard (all cardholders))	3% cashback (VIP 11-12)
Reward tiers	1	7
Fees	Free first card issuance, no monthly or annual fee, 0% Bitpanda-side FX markup on top of the standard Visa network rate, and roughly €2 per ATM withdrawal.	New Zealand program's fee structure is not detailed in the reviewed KuCoin support article beyond cashback caps; a separately reported EEA program cites roughly a 10 EUR annual fee (waived above 500 EUR/year spend), a 9.99 EUR physical card fee, and a 2% international FX fee, none of which are confirmed on an official KuCoin page.
Countries issued in	19	1
Countries both are issued in	0	0
Last reviewed	2026-08-24	2026-08-25

Pros and cons, side by side

Bitpanda Card

What works

Flat 1% cashback available to every cardholder with no token-holding or staking tier required
No monthly or annual maintenance fee, and the first card is free to order
Cashback is paid instantly in the same asset used for the purchase
0% Bitpanda-side foreign exchange markup beyond the standard Visa network rate

What to watch

Cashback excludes euro, stablecoin, precious-metal, and stock-funded purchases, only crypto-funded spending qualifies
Restricted to euro-area residents, so a verified Bitpanda account outside the eurozone does not qualify
Sources disagree on the exact ATM fee, ranging from a flat €2 to a 2%-or-€2-whichever-is-higher structure
Cashback rate dropped from a previous VIP-tiered maximum of 2% to a flat 1% for all users

KuCoin Card (KuCard)

What works

Cashback can reach as high as 8.5% for large KCS holders combining VIP status and Loyalty Level bonuses
No staking lockup is described for the New Zealand program's base VIP-tier cashback, unlike some competitors' 12-month lockups
Multiple tiers are reachable purely through exchange trading volume (VIP status) rather than requiring a card-specific deposit
Cashback is paid in USDC or KCS, so the payout can be a dollar stablecoin rather than the exchange's own token

What to watch

KuCoin operates what appear to be two distinct, non-overlapping card programs under the same brand name, creating real risk of publishing the wrong country's terms as universal
Even at the highest combined cashback percentage, redemption is capped at 250 USDC per month, limiting the real-dollar value for high spenders
The separately reported EEA program's fees are not corroborated on any page KuCoin itself hosts, and should be treated as unverified
Entry-tier cashback for typical users without meaningful KCS holdings or trading volume is as low as 1%, capped at just 10 USDC per month

Frequently asked questions

Is Bitpanda Card or KuCoin Card (KuCard) better?

Bitpanda Card rates higher on our rubric: 4.1 against 2.7 for KuCoin Card (KuCard). The rating follows the product rubric on our about page; the rows above set rewards, fees and availability side by side.

Which pays more cashback, Bitpanda Card or KuCoin Card (KuCard)?

Bitpanda Card: Flat 1% cashback in the same crypto asset used for each purchase, available to all cardholders since April 2025 with no token-holding or staking tier required.. KuCoin Card (KuCard): New Zealand program: 1% to 3% base cashback (USDC or KCS) by VIP tier, plus up to a further 5.5% KCS Loyalty Level bonus, capped at 250 USDC redeemed per month. A separately reported EEA program's cashback terms are not confirmed on an official KuCoin page.. Headline rates on crypto cards are usually gated by a staked or locked balance, and each review sets out the tiers.

Where can I get both Bitpanda Card and KuCoin Card (KuCard)?

Both are issued in no country we track, on each issuer's own eligibility page. Bitpanda Card is issued in 19 countries we track and KuCoin Card (KuCard) in 1.

The full reviews: Bitpanda Card and KuCoin Card (KuCard), each with its sources, and every crypto card we review.

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