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KAST Card

by Rain (issued from Puerto Rico) · Updated 2026-06-28

Get my KAST Card
Marketed: 1.5%Your effective cashback: 0.6% ($30/mo) at $5,000/mo on the Standard plan
Cashback earned on your spend
$2,000 spent × 1.5%
1.5% applies to the first $2,000/mo of spend
$30/mo
$3,000 spent × 0.0%
0.0% on the rest of your spend (no cap)
$0/mo
Gross cashback per month
sum of the bands above, before fees
$30/mo
Annual cashback
$30/mo × 12 months
$360/yr
No fees on this plan
$0
Net cashback after fees
annual cashback minus all fees
$360/yr
Effective cashback rate
net ÷ your annual spend (0.6%)
0.6%

Based on your monthly spend, edit it on the home page.

At a glance

Network
Visa
Custody
custodial
Card type
prepaid
Form
Physical & virtual
Mobile wallets
✓ Apple Pay✓ Google Pay
Chains
SolanaEthereumTronArbitrumPolygonBaseOptimismAvalancheBinance Smart ChainTONStellar
Tokens
USDCUSDTUSDePYUSDRLUSDBTCETHSOL
Availability
170+ countries
KYC
Full KYC
Extra rewards
Airdrop upcoming · Points program
Funding
Stablecoin depositCrypto (auto-convert)ACHFedWire
Spending limit
Unlimited daily

Pros

  • 0% spread on stablecoin deposits (1:1)
  • Free Standard tier, no monthly fee
  • 170+ countries, unlimited daily spend
  • No staking required for any tier (SOL staking optional for extra KAST Points)
  • Apple/Google Pay
  • 0% FX promo currently active

Cons

  • Custodial: KAST holds your crypto
  • High ATM cost ($3 + 2% USD, $3 + 4% non-USD), low $750/day limit
  • Paid tiers ($1k–$10k/yr) only pay off at very high spend
  • Cashback stops past the monthly cap (no lower stacking tier)
  • USD cashback has a 14-day timelock, must be redeemed in-app, and applies only to the next card purchase (not externally withdrawable)

Cashback plans

Fees

FX markup
0.5–1.75% (varies by country; 0% FX promo currently active)
ATM
USD $3 + 2% (non-USD $3 + 4%); $250/txn, 3 withdrawals/24h, $750/day
Spending (crypto→USD)
$0 on USD purchases; non-USD purchases incur 0.5–1.75% FX
Funding / top-up
Stablecoin 0% (1:1); other crypto 2–5% conversion; ACH $2; FedWire $15
Issuance
2 cards free (virtual or physical); physical shipping $40; extra cards Premium $250 / Private $1,000
Monthly
$0 ($1/mo after 12mo inactivity)

Perks & benefits

Get my KAST Card

New users get ~$20 in points after KYC + $100 spend (up to $100 after $1,000 spend)

Use code to support us, at no cost to you.

We may earn a commission if you sign up through our links, but it never affects our rankings or the cashback math.

Sources & how we verify this

Researched June 2026; verify terms before publishing. Rewards overhauled May 6–8 2026 (USD stablecoin cashback replaced Season-5 KAST Points 2/5/8% + 4% $MOVE). Premium earns +1% and Private +2% in KAST Points (token not yet launched, TGE Q2–Q3 2026) on top of USD cashback, counted here as upside only, NOT in the base rate. Private monthly spend cap is reported as $40,000 by four launch-press outlets (used here) but $50,000 by some aggregators echoing the legacy 'Luxe' name. MEDIUM confidence; official site publishes no caps. Tier name is now 'Private' (formerly 'Luxe'). Card variants: Standard = Visa Platinum, Premium/Private = Visa Infinite. FX (verified July 2026): standard foreign markup 0.5–1.75% (country-variable, not tier-dependent; USD 0%), modeled at ~1%, but a 0% FX promo is currently active (credit-back, ~through Aug 31 2026, capped/first-come), so effective FX is ~0% right now; we keep 1% as the durable long-run estimate.

Card terms are researched and illustrative, so always confirm the latest with the issuer. Nothing here is financial advice.

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