Kikoff vs Upgrade Card
On the standard spending profile Upgrade Card is cheaper: €0 net per year versus €60 for Kikoff. On cashback Upgrade Card wins (up to 3%, but the full rate requires Nessuno). The choice depends on your real spending profile: redo the math with your volumes before picking between Kikoff and Upgrade Card.
| Kikoff | Upgrade Card | |
|---|---|---|
| Tier | B | B |
| Rating | ★ 4.0 | ★ 3.9 |
| Estimated net annual cost | €60 | €0 |
| Network | Visa (Premium/Ultimate) | Visa |
| Card type | Credit card | Credit card |
| APR | 0% | 29.99% |
| Issuance fee | Free | Free |
| Annual fee | €60/year | Free |
| Free ATM limit | Not disclosed | Not disclosed |
| ATM withdrawal | Free | Free |
| FX markup | 0% | 0% |
| Cashback | Not disclosed | 3% in USD · Nessuno |
| On-chain settlement | No | No |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 5/10 | 4/10 |
| Supported countries | US · 1+ countries | US · 1+ countries |
| Regulator | FDIC | FDIC / OCC |
| OAM Italy registration | No | No |
| Segment | B2C | B2C |
| Regions | US | US |
| Licences & safety | Partner bank charter | Partner bank charter |
Frequently asked questions
Kikoff vs Upgrade Card: which is better?
On the standard spending profile Upgrade Card is cheaper: €0 net per year versus €60 for Kikoff. On cashback Upgrade Card wins (up to 3%, but the full rate requires Nessuno). The choice depends on your real spending profile: redo the math with your volumes before picking between Kikoff and Upgrade Card.
Which is cheaper, Kikoff or Upgrade Card?
On the standard spending profile Upgrade Card has the lowest net annual cost: €0 versus €60 for Kikoff.
Which offers more cashback, Kikoff 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 Kikoff custodial or self-custody?
Kikoff is custodial: funds are held by the platform, while Upgrade Card is custodial.