Credit
KAST Card Review
In our view the KAST Card is a convenient way to spend stablecoins with USD cashback on the free Standard tier, while the paid tiers only make sense for very high spenders.
Up to 3.00% rewards
with Private, $10K a year Private membership at 10,000 USD a year, billed upfront.
1.50% without conditions
By Ethan ParkerUpdated on October 16, 2026
Compare KAST Card with
Choose the KAST Card if
We see it as a simple option for those holding stablecoins who want to spend them like dollars, offering cashback in USD rather than a token. However, higher cashback rates are tied to costly annual memberships.
It suits
- We consider the KAST Card suitable for those with stablecoins desiring to spend them globally, with plain USD cashback on the free Standard tier.
It is less fitting
- It may not appeal to users favoring cards from major exchanges like Coinbase or Gemini, or those inclined to pay for Premium without sufficient spending to justify the fee.
Card, app and issuer
Virtual and physical; Standard: premium plastic, Premium: premium metal, Private: gold plated.
Screenshots taken November 3, 2026
Who stands behind the card
Issuer, program and custodyChecked October 28, 2026
What the card does
Yes, no or partly, from our dataRewards 2 of 3
- Rewards in bitcoinNo
- Rewards without lock-up or membershipYes1.5%
- Category bonusesYes
Costs and credit 3 of 3
- No annual feeYes
- Credit lineYes
- Cash advancesYes
Card and wallets 4 of 5
- Physical cardYes
- Virtual cardYes
- Apple PayYes
- Google PayYes
- Self-custodyNo
What we like and what we don't
What we like
- Cashback in USD, 1.5% on the free Standard tier
- Stablecoin deposits converted 1:1 with 0% spread
- Available in the US, Canada, the United Kingdom and Europe
- Optional Self-Custody Mode
What we don't like
- Premium and Private cost $1,000 and $10,000 a year
- Foreign exchange fee of 0.5% to 1.75%
- ATM withdrawals cost $3 plus 2%
- Platform company incorporated in Anjouan, Comoros
1.50% for everyone, up to 3.00% with Private, $10K a year
Cards carry no editorial score, so we compare them by what you keep after costs.
Reward tiers
3 tiers, as the provider states them| Tier | Rate |
|---|---|
| Standard: 1.5% USD cashback, no points | 1.50% |
| Premium: 2% USD cashback + 1% in KAST Points | 2.00% |
| Private: 3% USD cashback + 2% in KAST Points | 3.00% |
Checked October 22, 2026
Estimated net reward rate, our model
What a reference spender keeps in a year after the card's costs, as a share of spending.| Profile | No lock-up | Best tier |
|---|---|---|
| Everyday, 1,000 a month | 1.50% | -80.33% |
| Travel, 1,000 a month, 30% abroad | Not stated | Not stated |
| High spender, 5,000 a month | 0.60% | -13.67% |
- The best tier needs Private membership at 10,000 USD a year, billed upfront.
- Not included: KAST Points on paid tiers (no fixed value).
- How we calculate it
Checked October 22, 2026
Perks
From our card dataReward rules
Exclusions, payout and clawbacks| Rule |
|---|
| Eligible card spend only, subject to MCC restrictions, monthly caps and regional availability |
| Provisional cashback appears when an eligible purchase is authorized |
| Redeemable after settlement, a timelock and eligibility checks |
| Redeemed cashback applies to the next eligible card purchase and cannot be withdrawn or transferred out |
Checked October 28, 2026
Fees, APR and credit terms
| What | KAST Card |
|---|---|
| Annual fee | $0 |
| Subscription | None stated |
| Foreign transaction fee | 0.5%–1.75% (non-USD), depending on country of residence, transaction country and card program |
| Purchase APR | 0% |
| Cash advance fee | Not offered |
| Late payment | up to US$40 |
All credit terms
APR margins, minimum interest, payment fees| What | Cost |
|---|---|
| Credit limit | No fixed credit line: the spending limit is set by KAST (and possibly the issuer) from the deposited balance and can change at any time |
| Cash advance limit | Not offered |
Checked October 23, 2026
Limits
Spending, ATM and top-up limits| What | Limit |
|---|---|
| Daily spending limit | No preset limit |
| Monthly spending limit | No preset limit |
| Top-up limit | Unlimited (account deposit and balance limit) |
Checked October 22, 2026
Everyday card fees
Top-up, replacement and shipping| What | Cost |
|---|---|
| Card issuance fee | Standard virtual card: $2 in some regions (also for included cards); physical card fee $0; Premium and Private cards included |
| ATM fee | $3 + 2% of the withdrawal amount (plus FX fee for non-USD) |
| Crypto conversion fee | Stablecoin deposits converted to USD 1:1 with 0% spread; other tokens: fee varies by token, shown before confirmation |
| Top-up fee | 0% |
| Replacement card | None stated |
| Inactivity fee | $1 per month after 12 months without transactions (dormant account) |
| Card shipping | Standard: $40 delivery fee for a physical card; Premium and Private: included |
| Declined transaction | $0.5 |
Show all 8 fees+5 moreShow fewer
Checked October 23, 2026
Open in every US state
Before you apply
- Legal age in the country of residence (for example 18) and capacity to contract, no earlier suspension from KAST; identity verification in the app before the card and most services unlock.
- ID check required.
Checked October 22, 2026
Where else you can get it
170+ countries (marketing); the exact list is only shown in the sign-up country dropdown.
KAST Card: where it is offered
5 regions, from our card data
United StatesAvailable
United KingdomAvailable
EEAAvailable
CanadaAvailable
BrazilAvailable
Checked October 23, 2026
Full review
Our KAST Card review
The KAST Card is a Visa card that you fund with stablecoins and spend in dollars. Third National issues the card, and the platform behind it is KAST Tech, a company incorporated in Anjouan in the Union of Comoros. Under its terms it is a credit card that is fully secured by your deposit: the APR is 0%, there is no set credit line, and you can only spend what you have deposited.
We see it as a simple option for those holding stablecoins who want to spend them like dollars, offering cashback in USD rather than a token. However, higher cashback rates are tied to costly annual memberships.
How the card works
Users deposit supported stablecoins like USDT, USDC, PYUSD, and RLUSD across chains such as Ethereum, Solana, Polygon, Arbitrum, and TRON. KAST converts the stablecoin deposits to a USD balance at 1:1 with a 0% spread, and other tokens incur a conversion fee displayed before confirmation. Bank transfers via ACH, wire, or SEPA can also be used to fund the balance. The card is compatible with Apple Pay and Google Pay, and a virtual card is available immediately.
By default, KAST holds the funds: deposited assets are sold to KAST and managed by a custodian. Eligible KAST Personal users can activate Self-Custody Mode, maintaining the USD balance as USDC on Solana within a dedicated self-custodial wallet.
Cashback and membership tiers
Provisional cashback in USD appears when a purchase is authorized and becomes redeemable after settlement; redeemed cashback goes toward your next eligible card purchase and cannot be withdrawn:
- Standard: 1.5% on the first $2,000 per month, no membership fee
- Premium: 2% on the first $10,000 per month plus 1% in KAST Points, costing $1,000 annually
- Private: 3% on the first $40,000 per month plus 2% in KAST Points, costing $10,000 annually
Membership fees are charged annually in advance. There is no monthly payment option. KAST Points are a proprietary points system, and their value is variable, so they are not included in our evaluation. Cashback is applicable only to eligible card spending and is subject to restrictions based on merchant category.
In our view Premium only pays for itself if you spend heavily, because its fee of $1,000 a year has to be covered by the higher rate first.
Fees
Supported stablecoin top-ups incur a 0% charge, excluding network fees. Purchases in currencies other than USD carry a foreign exchange fee ranging from 0.5% to 1.75%, dependent on location, payment destination, and card program. ATM withdrawals are charged $3 plus 2% of the amount withdrawn. In certain areas, a Standard virtual card may cost $2, and Standard members are charged $40 for physical card shipping. Declined transactions due to insufficient balance incur a $0.50 fee, and dormant accounts are charged $1 monthly after 12 months without activity.
Extras
Premium and Private cards are issued as Visa Infinite and come with benefits like travel accident, trip cancellation and delay, baggage and rental damage coverage, purchase protection, extended warranty, price protection, and discounted airport lounge access via Visa Airport Companion.
Who can get it
KAST says it is available in more than 170 countries, and you can check yours in the sign-up form. The card is offered in the US, Canada, the United Kingdom and Europe, and KAST has separate terms for users in Brazil. You need a government-issued ID and identity verification to use the card. In the US, the terms allow KAST to obtain credit information from credit reporting agencies, though there is no set line of credit.
Who it is for
We consider the KAST Card suitable for those with stablecoins desiring to spend them globally, with plain USD cashback on the free Standard tier. It may not appeal to users favoring cards from major exchanges like Coinbase or Gemini, or those inclined to pay for Premium without sufficient spending to justify the fee.
If retaining crypto in a personal wallet is preferred, the MetaMask Card review provides coverage for a self-custody card outside the US. Within the US, the Gemini Credit Card review offers coverage for a credit card with crypto rewards and no annual fee, and the Coinbase Card review covers a debit card spending from your Coinbase balance. In Europe, the Bybit Card review provides coverage for an exchange card.
To explore all card options, refer to our crypto card comparison or the crypto credit cards list.
Credit cards to compare with the KAST Card
Cards of the same kind from our data, highest rate first, each with the condition it needs.
Crypto.com Credit Card with $500K CRO staked, Base 1.50% US: not in NY 6.00%top rate
Fold Credit Card with $100K Fold Reserve, Base 1.50% Offered in the US 5.00%top rate
Coinbase One Card with One and $200K on Coinbase, Base 2.00% US: with conditions 4.00%top rate
The KAST Card side by side
From our card data, the same fields for every card| What | KAST Card | Crypto.com Credit Card | Fold Credit Card | Coinbase One Card | ether.fi Cash |
|---|---|---|---|---|---|
| Top rate | 3.00%with Private, $10K a year | 6.00%with $500K CRO staked | 5.00%with $100K Fold Reserve | 4.00%with One and $200K on Coinbase | 4.00%with the VIP tier |
| Without conditions | 1.50% | 1.50% | 1.50% | 2.00% | 3.00% |
| Annual fee | $0 | $0 | $0 | $0 | $0 |
| Foreign transaction fee | 0.5%–1.75% (non-USD), depending on country of residence, transaction country and card program | 3% | 0% | $0 | 1% FX base rate plus up to 0.5% (Core) or up to 0.25% (Luxe); no added margin for Pinnacle and VIP |
| Network | Visa | Visa | Visa | American Express | Visa |
| US | Offered in the US | US: not in NY | Offered in the US | US: with conditions | US: with conditions |
Checked October 22, 2026
What users say elsewhere
You manage this card in the provider's app, so these ratings cover the whole app, not only the card.
App Store (US)
4.0 out of 5 from 287 ratings
Checked November 4, 2026
See on the App Store (opens in a new tab)Google Play (US)
3.6 out of 5 from 3,292 ratings
- 5 stars~57%
- 4 stars~7%
- 3 stars~2%
- 2 stars~5%
- 1 star~29%
64% give four or five stars, 34% give one or two.
Checked November 4, 2026
See on Google Play (opens in a new tab)Trustpilot
Trustpilot profile (opens in a new tab)
Ratings and counts are shown as each store publishes them. We summarize; we do not copy or select reviews, and these figures are not part of our score. How we use store ratings
Short answers about the KAST Card
From the review above.
Is the KAST Card a credit card?
Under its terms, yes, but it is fully secured by your deposit: the APR is 0%, there is no set credit line, and you can only spend your balance.
How much cashback does the KAST Card pay?
1.5% on the first $2,000 a month on Standard, 2% on the first $10,000 on Premium and 3% on the first $40,000 on Private, credited in USD. Redeemed cashback goes toward your next eligible card purchase and cannot be withdrawn.
Is the KAST Card available in the US?
Yes. KAST offers the card in the US, with Third National as the issuer.
What does KAST Premium cost?
Premium costs $1,000 a year and Private $10,000 a year, billed annually upfront.
Who checked this review
Sources, how we rate and our process
Sources
- concierge.kast.xyz/hc/en-us/articles/11290428597647-What-Are-the-Daily-Spending-and-ATM-Withdrawal-Limits-on-My-KAST-Card, for Daily spending limit and Monthly spending limit, checked October 22, 2026
- concierge.kast.xyz/hc/en-us/articles/13939999566095-Is-the-KAST-Card-Available-in-My-Country, for Countries, checked October 22, 2026
- concierge.kast.xyz/hc/en-us/articles/14174809798287-How-Do-I-Complete-Identity-Verification-KYC-on-My-KAST-Account, for ID check (KYC), checked October 23, 2026
- concierge.kast.xyz/hc/en-us/articles/15806471110671-How-Much-Do-KAST-Memberships-Cost-and-What-Fees-Should-I-Expect, for Annual fee, Subscription and Card shipping, checked October 22, 2026
- concierge.kast.xyz/hc/en-us/articles/17565974041103-Apple-Pay-Availability-for-KAST-Cards, for Availability by region and US availability, checked October 22, 2026
- concierge.kast.xyz/hc/en-us/articles/17565974041103-Apple-Pay-Availability-for-KAST-Cards, for Availability by region, checked October 23, 2026
- concierge.kast.xyz/hc/en-us/articles/9850062738703-What-Are-the-Fees-and-Conditions-for-KAST-Cards-and-Accounts, for Card form, ATM fee, Tier costs, Crypto conversion fee, Declined transaction, Top-up fee, What you spend from, Top-up limit, Rewards cap, Reward tiers and Net rate inputs, checked October 22, 2026
- concierge.kast.xyz/hc/en-us/articles/9850062738703-What-Are-the-Fees-and-Conditions-for-KAST-Cards-and-Accounts, for Foreign transaction fee, Card issuance fee, Base reward rate, Top reward rate and Lock-up or holding needed, checked October 23, 2026
- itunes.apple.com/lookup, for App and App Store rating, checked October 28, 2026
- kast.xyz/en, for Category bonuses and Reward rules, checked October 28, 2026
- kast.xyz/en/cards, for Card status and Mobile wallets, checked October 28, 2026
- kast.xyz/en/legal, for Availability by region, checked October 22, 2026
- kast.xyz/en/legal/kast-cardholder-agreement-non-us, for Purchase APR and Late payment, checked October 22, 2026
- kast.xyz/en/legal/kast-cardholder-agreement-non-us, for Network, Cash advance fee, Credit limit, Replacement card, Issuer and Cash advance limit, checked October 23, 2026
- kast.xyz/en/legal/terms-and-conditions-of-service, for Card type, Custody, Inactivity fee and Rewards program, checked October 22, 2026
- kast.xyz/en/legal/terms-and-conditions-of-service, for Credit check and Eligibility, checked October 23, 2026
- kast.xyz/en/membership, for Airport lounges and Other perks, checked October 22, 2026
- kast.xyz/en/membership, for Rewards paid in and Reward payout, checked October 23, 2026
- play.google.com/store/apps/details, for Google Play rating, checked November 4, 2026
How we rate
Cards carry no editorial score. We compare them by the estimated net reward rate, our model: what a reference spender keeps in a year after annual fee, foreign fee and conversion costs, with and without staking or a membership. How we rate
Our process
We take fees, availability, licenses and coin counts from primary sources: KAST's own fee schedules, terms and help pages, and the public registers kept by regulators. Every value carries the date we last checked it. The values on this page were checked between October 22, 2026 and November 4, 2026. Ethan Parker, Senior Content Editor, checked this page; updated October 16, 2026.