#24
Tuyo Card
7.4/10
Ranked #23 of 32
Overview
The Kinesis Card is a specialized, mobile-first virtual crypto debit card operating on the Visa payment network across more than 100 countries. Deeply integrated with the Kinesis Money ecosystem, the card allows users to seamlessly spend assets like Bitcoin, Ethereum, and stablecoins, alongside their unique gold-backed (KAU) and silver-backed (KAG) token currencies at millions of global merchant locations.
★ Kinesis Card referral code
KM00148479
New users who sign up with this code typically get bonus cashback for your first 30 days. Rewards vary by region and are set by Kinesis Card.
Rating breakdown
How the Kinesis Card scores across the categories we weigh into its overall 7.4/10.
Fees7.5
Rewards8.6
Custody7.2
Usability8.0
Features7.8
Cashback & rewards
Paid directly in physical gold (KAU). The card offers a flat 2.0% cashback rate on general card transactions through its specialized 'Metalback' mechanics, while partner ecosystem spending can unlock up to 10% back in gold and silver.
| Tier | Requirement | Cashback | Monthly cap |
|---|---|---|---|
| Base Tier | Standard Spending | 2.0% in Gold (KAU) | Check app |
| Partner Tier | Metalback Hub Purchases | Up to 10% in Gold/Silver | Check app |
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | $Free |
| Card issuance | $Free |
| Card spend (USD)Fee on purchases made in US dollars | Not specified |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 1% |
| ATM withdrawals | N/A (virtual) |
How to get the Kinesis Card
- Download the Kinesis application on your iOS or Android mobile device.
- Register an account or sign in with your verified Kinesis profile credentials.
- Complete the mandatory identity verification (KYC) onboarding pipeline directly in the application.
- Deposit capital via credit card, open banking, or on-chain crypto and precious metal transfers.
- Instantly provision your virtual Visa card and integrate it with your mobile payment wallet.
Pros & cons
Pros
- Unique reward structure lets you earn pure physical gold as cashback for everyday purchases.
- Zero monthly upkeep charges, zero base transaction fees, and no sign-up card costs.
- Allows you to hold and maintain real gold and silver title right up to the second you spend it.
- Fully compatible with Apple Pay and Google Pay for instantaneous tap payments.
- Funds can accrue concurrent monthly holder yields while sitting ready to be spent.
Cons
- The card is strictly virtual-only, preventing users from making physical ATM cash withdrawals.
- Crypto-to-fiat liquidations are hit with a standard 0.22% asset conversion exchange fee at checkout.
- Assets are held under a centralized custodial model managed within the Kinesis vaulting system.
- Requires complete KYC verification, making it unusable for privacy-first anonymous transactions.
- Cross-border foreign currency transactions outside domestic zones are subject to variable Visa network markups.
Is It Worth It?
Precious metal investors and sound-money advocates who want to use gold and silver as fluid, real-time mediums of exchange for daily purchases while maximizing on-chain metal yields.
Where you can use it
Supported countries
Available in 15 countries
🇦🇺 Australia
🇨🇳 China
🇫🇷 France
🇩🇪 Germany
🇭🇰 Hong Kong
🇮🇳 India
🇮🇪 Ireland
🇯🇵 Japan
🇳🇱 Netherlands
🇳🇿 New Zealand
🇸🇬 Singapore
Spain. Taiwan
🇺🇸 United States
🇬🇧 United Kingdom
🇦🇪 United Arab Emirates
No match in the supported list.
Not supported
Not available in 181 countries
Afghanistan
Albania
Algeria
Andorra
Angola
Antigua and Barbuda
🇦🇷 Argentina
Armenia
🇦🇹 Austria
Azerbaijan
Bahamas
🇧🇭 Bahrain
Bangladesh
Barbados
Belarus
🇧🇪 Belgium
Belize
Benin
Bhutan
Bolivia
Bosnia and Herzegovina
Botswana
🇧🇷 Brazil
Brunei
🇧🇬 Bulgaria
Burkina Faso
Burundi
Cabo Verde
Cambodia
Cameroon
🇨🇦 Canada
Central African Republic
Chad
🇨🇱 Chile
🇨🇴 Colombia
Comoros
Costa Rica
🇭🇷 Croatia
Cuba
Cyprus
🇨🇿 Czechia
🇩🇰 Denmark
Djibouti
Dominica
Dominican Republic
DR Congo
Ecuador
🇪🇬 Egypt
El Salvador
Equatorial Guinea
Eritrea
🇪🇪 Estonia
Eswatini
Ethiopia
Fiji
🇫🇮 Finland
Gabon
Gambia
Georgia
🇬🇭 Ghana
🇬🇷 Greece
Grenada
Guatemala
Guinea
Guinea-Bissau
Guyana
Haiti
Honduras
🇭🇺 Hungary
🇮🇸 Iceland
🇮🇩 Indonesia
Iran
Iraq
Israel
🇮🇹 Italy
Ivory Coast
Jamaica
Jordan
Kazakhstan
🇰🇪 Kenya
Kiribati
Kosovo
🇰🇼 Kuwait
Kyrgyzstan
Laos
🇱🇻 Latvia
Lebanon
Lesotho
Liberia
Libya
Liechtenstein
🇱🇹 Lithuania
🇱🇺 Luxembourg
Madagascar
Malawi
🇲🇾 Malaysia
Maldives
Mali
Malta
Marshall Islands
Mauritania
Mauritius
🇲🇽 Mexico
Micronesia
Moldova
Monaco
Mongolia
Montenegro
Morocco
Mozambique
Myanmar
Namibia
Nauru
Nepal
Nicaragua
Niger
🇳🇬 Nigeria
North Korea
North Macedonia
🇳🇴 Norway
🇴🇲 Oman
🇵🇰 Pakistan
Palau
Panama
Papua New Guinea
Paraguay
🇵🇪 Peru
🇵🇭 Philippines
🇵🇱 Poland
🇵🇹 Portugal
🇶🇦 Qatar
Republic of the Congo
🇷🇴 Romania
Russia
Rwanda
Saint Kitts and Nevis
Saint Lucia
Saint Vincent and the Grenadines
Samoa
San Marino
São Tomé and Príncipe
🇸🇦 Saudi Arabia
Senegal
Serbia
Seychelles
Sierra Leone
🇸🇰 Slovakia
🇸🇮 Slovenia
Solomon Islands
Somalia
🇿🇦 South Africa
🇰🇷 South Korea
South Sudan
Sri Lanka
Sudan
Suriname
🇸🇪 Sweden
🇨🇭 Switzerland
Syria
Tajikistan
Tanzania
🇹🇭 Thailand
Timor-Leste
Togo
Tonga
Trinidad and Tobago
Tunisia
🇹🇷 Turkey
Turkmenistan
Tuvalu
Uganda
🇺🇦 Ukraine
Uruguay
Uzbekistan
Vanuatu
Vatican City
Venezuela
🇻🇳 Vietnam
Yemen
Zambia
Zimbabwe
No match in this list.
Availability can change and may depend on your verification status. Always confirm on the provider's official site before signing up.
Frequently asked questions
Does the card have a physical version?
No, it is issued strictly as a virtual card optimized for digital and mobile tap payments.
In what asset are rewards distributed?
Cashback is uniquely paid out in physical gold (KAU) straight into your account balance.
Are there transaction fees for spending USD?
Standard card spending carries 0% transaction fees, but non-USD assets carry a 0.22% conversion fee.
