Kinesis Card
2%
Free
17 countries
The Kinesis Card is a custodial, virtual-only Mastercard that lets users spend tokenized allocated gold (KAU) and silver (KAG) alongside crypto with automatic instant fiat conversion at the point of sale. It rewards spending with up to 2% cashback paid in physical gold rather than a token, plus recurring precious-metal yield, though total spend-based earning is capped. Card spending costs roughly 2.17% (1.95% provider fee plus 0.22% execution) with a 1% FX fee and no monthly charge. It is live in 50+ EU-focused countries but excludes the US.
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What it really costs to spend crypto
From loading your wallet to paying at the till.
Estimated from provider rates; the conversion spread can vary.
Fee breakdown
Spending limits
Limits shown are for the standard tier and may increase with higher tiers or verification.
Supported coins
Supported networks
Crypto features
Availability
Not available in: KP, IR, SY, CU
How Kinesis Card compares on cost
Every figure above is this card in isolation. Here is where it lands against the other 59 cards we track, using our own fee dataset and the same year-one formula published on our methodology page.
What a year with this card costs
| Profile | Fees/yr | FX+conv | ATM | Cashback | Total/yr | Rank |
|---|---|---|---|---|---|---|
| Everyday$1000/mo card · $400/mo ATM | $0 | $380 | $0 | −$240 | $140 | #32 |
| Active$2000/mo card · $800/mo ATM | $0 | $761 | $0 | −$480 | $281 | #33 |
| Heavy$5000/mo card · $1500/mo ATM | $0 | $1,902 | $0 | −$1,200 | $702 | #34 |
Year-one view, including issuance. Computed with the public total-cost formula — the same implementation the methodology page and the calculator use.
- Virtual-only card: no ATM access, so cash withdrawal fees do not apply.
- Available in 17 countries — #27 of 59 by coverage.
Figures recomputed from our live fee dataset on every deploy.
Cheaper cards for spending abroad
Cards with a lower combined FX and conversion cost than this one, closest first.
| Card | All-in | Annual fee | Cashback |
|---|---|---|---|
| Crypto.com Visa | 2.75% | — | 5% |
| Gate Card | 2.9% | — | 1% |
| BitPay Card | 3% | — | — |
| Holyheld Card | 3% | — | 1% |
| ZEN Card | 3% | — | — |
User reviews
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Reviews are moderated. We publish honest feedback, including criticism.
Similar cards
The Crypto.com Visa Card offers up to 5% CRO cashback, access to airport lounges, and Netflix/Spotify rebates depending on the tier. Stake CRO to upgrade.
The MetaMask Card is a non-custodial Mastercard that spends stablecoins straight from your self-custody MetaMask wallet, with no exchange in the middle. The free virtual card pays 1% back; a metal tier with up to 3% is announced but not yet available to order.
Kinesis Card FAQ
Kinesis Card holds a trust score of 6.5/10 on NomadCard, drawn from user reviews on Reddit, Trustpilot, and the app stores. Some users report issues — skim the community forums before you apply.