Cushion AI vs Upgrade Card

The first number to check is net annual cost: €0 for Upgrade Card versus €60 for Cushion AI. On cashback Upgrade Card wins (up to 3%, but the full rate requires Nessuno). In our editorial rating Upgrade Card leads (3.9 vs 1.5). In short: Cushion AI if your usage matches its strength, Upgrade Card otherwise — the numbers above beat any slogan.

Cushion AI Upgrade Card
Tier D B
Rating ★ 1.5 ★ 3.9
Estimated net annual cost €60 €0
Network Virtual (bill history) Visa
Card type Credit card Credit card
APR 0% 29.99%
Issuance fee Free Free
Annual fee Free Free
ATM withdrawal not declared Free
FX markup 0% 0%
Cashback Not disclosed 3% in USD · Nessuno
Contactless Yes Yes
Virtual card Yes Yes
KYC Full Full
Privacy 5/10 4/10
Supported countries US · 1+ countries US · 1+ countries
Regulator Not disclosed FDIC / OCC
Segment B2C B2C
Free ATM limit — Not disclosed
On-chain settlement — No
OAM Italy registration — No
Regions US US
Licences & safety N/A Partner bank charter
Cushion AI 1.5/5 · Tier D
Numbers Open ↗
Upgrade Card 3.9/5 · Tier B
Numbers Open ↗

Frequently asked questions

Cushion AI vs Upgrade Card: which is better?

The first number to check is net annual cost: €0 for Upgrade Card versus €60 for Cushion AI. On cashback Upgrade Card wins (up to 3%, but the full rate requires Nessuno). In our editorial rating Upgrade Card leads (3.9 vs 1.5). In short: Cushion AI if your usage matches its strength, Upgrade Card otherwise — the numbers above beat any slogan.

Which is cheaper, Cushion AI or Upgrade Card?

On the standard spending profile Upgrade Card has the lowest net annual cost: €0 versus €60 for Cushion AI.

Which offers more cashback, Cushion AI or Upgrade Card?

Upgrade Card has the highest cashback: up to 3%. Note the top rate often requires token staking and is subject to spending caps.

Is Cushion AI custodial or self-custody?

Cushion AI is custodial: funds are held by the platform, while Upgrade Card is custodial.