Your KOSH Card works anywhere Visa is accepted: online, in apps, in-store, and internationally.

Use your virtual card for one-time online purchases and recurring payments, including streaming services, SaaS tools, trading platforms, prop firm challenges, and ad platforms. For subscriptions, just make sure your card has enough balance before each billing date so the renewal doesn't fail.

Your physical card (and Apple Pay, where available) works at point-of-sale terminals worldwide, including while travelling. Foreign-currency purchases are converted automatically. See fees and pricing for FX charges.

Card issuance depends on your country of residence. The easiest way to check is inside the app: if the card is available in your region, you'll see the option to order it in the Cards section after completing verification. If it's not available yet, you can request early access. See How do I get the KOSH Card? for details.

Some merchant categories or regions may also be restricted for regulatory reasons. You'll see the reason for any blocked transaction in your dashboard.