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KAST Card

A custodial Visa card that pays cashback in USD. 3 plans, from free to $10,000 a year.

  • Terms checked 12 Sep 2026
  • Visa
  • Prepaid
  • Custodial
  • Apple Pay and Google Pay
  • Cashback in stablecoins
  • Free plan
  • Airport lounges
  • Travel insurance
  • Subscription deals
  • Earn on your balance
  • Metal card
a month in

$30.00 a month

1.5% effective, advertised up to 3.0%, on the Standard plan

$30.00 cashback$0.00 card fees$0.00 FX and other fees

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Pick a plan

  • Highest at this spend

    Standard

    Free, 1.5% on the first $2,000, then nothing

    $30.00 a month, 1.5%

  • Premium

    $1,000 a year, 2% on the first $10,000, then nothing

    −$43.33 a month, -2.2%

  • Private

    $10,000 a year, 3% on the first $40,000, then nothing

    −$773.33 a month, -38.7%

What you keep as spend grows

0%1%2%3%$1k$2.5k$5k$7.5k$10kAdvertised: up to 3%1.5% at $2,000

Hover the line to see other amounts.

Effective rate after fees in the US, on the plan that pays most at each spend. Where the line turns down, a monthly cap has been reached.
Show as a table
Monthly spendWhat you keepPlan
$2501.5%Standard
$5001.5%Standard
$7501.5%Standard
$1,0001.5%Standard
$1,5001.5%Standard
$2,0001.5%Standard
$2,5001.2%Standard
$3,0001%Standard
$4,0000.75%Standard
$5,0000.6%Standard
$6,0000.61%Premium
$7,5000.89%Premium
$10,0001.17%Premium

Every fee

Yearly fee
$1,000 or $10,000Depends on the plan
FX fee
0.5–1.75% (varies by country; USD spend 0%). The 0% FX promo ran 1 Jun – 31 Aug 2026 and has ended
Conversion fee
$0 on USD purchases; non-USD purchases incur 0.5–1.75% FX
Topping up
Stablecoin 0% (1:1); other crypto 2–5% conversion; ACH $2; FedWire $15
ATM withdrawals
USD $3 + 2% (non-USD $3 + 4%); $250/txn, 3 withdrawals/24h, $750/day
Card issue
2 cards free (virtual or physical); physical shipping $40; extra cards Premium $250 / Private $1,000
Monthly fee
$0 ($1/mo after 12mo inactivity)

Our own test

We're buying things with crypto cards in AUD, USD, EUR and GBP from October and comparing what each card takes with the mid-market rate. What this card actually charges will show here and in our Q4 report.

Where these numbers come from

KAST Card's published terms, checked 12 September 2026. Where sources disagree we use the less generous reading.

Our research notes

AVAILABILITY UPDATED 2026-09-27: Australia removed from the regions where you can sign up. KAST's help article 'Which countries are restricted on KAST?' is reported in search results to list Australia and Japan, CryptoSlate's KAST review (updated 20 Sep 2026) says residents of 49 restricted markets including Australia cannot open an account, and cryptocardhub listed Australia, Japan and Singapore as excluded in June 2026. MEDIUM confidence: the help article now sits behind a sign-in, one search copy of the list did not name Australia, and an app account could be created from Australia on 27 Sep 2026 (card KYC not yet completed). A completed Australian KYC and card purchase would settle it and return AU to the list. Canada was already excluded; Japan sits inside Asia-Pacific, which stays listed for the other markets there. Re-verified 2026-09-12 against official sources (kast.xyz/legal/kast-points, /legal/kast-membership-agreement, /promotions, academy.kast.xyz). 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 on top of USD cashback, counted here as upside only, NOT in the base rate. The spend caps ($2,000 / $10,000 / $40,000) are now OFFICIALLY published in the Membership Agreement, retiring the earlier $40k-vs-$50k conflict and its MEDIUM confidence flag; note the membership page's 'Cap ≤ $50,000 / ≤ $200,000' row is the USD Reserve Account reward cap, not a cashback cap. Tier name is now 'Private' (formerly 'Luxe'). Card variants: Standard = Visa Platinum, Premium/Private = Visa Infinite. FX: standard foreign markup 0.5–1.75% (country-variable, not tier-dependent; USD 0%), modeled at ~1%. The 0% FX credit-back promo ran 1 Jun – 31 Aug 2026 and is now listed as EXPIRED on kast.xyz/promotions with no successor, so the durable 1% estimate reflects the present too. TOKEN CANCELLED: the official points page states KAST is 'no longer planning a standard token launch for points'; investors approved exploring an equity-linked 'economic participation' structure targeted Q4 2026 (subject to legal review), with an alternative redemption or fixed cash payment where participation isn't legally available. Points are non-transferable and explicitly not tokens or financial instruments, but do redeem for memberships (25,000 = Premium, 250,000 = Private). Airdrop likelihood cut medium → low accordingly, and the old US/Canada/Singapore airdrop exclusions no longer appear. REFERRAL (official, Aug–Sep 2026): the REFEREE gets $20 USD after KYC + $100 eligible spend, plus $100 off Premium / $1,000 off Private on a first purchase. The '$100 after $1,000 spend' figure in this file was the referrer's cumulative ladder, not the referee's. STILL OUTSTANDING for a later pass: the Sept 2026 USD Reserve Account (idle-USD yield 8%/10%/12% intro by tier) and KAST Business are not yet reflected in benefits. Company is KAST Tech (Anjouan, Comoros) under Seychelles law; the 'Rain (Puerto Rico)' issuer attribution remains unverified officially.

What changed on this card

  • 31 Aug 20260% FX promotion endedKAST's credit-back of FX fees on card spend ran from 1 Jun to 31 Aug 2026 and is now listed as expired, so the normal FX markup of 0.5% to 1.75% applies.KAST promotions pageOffer ended

What's good and what to watch

Good

  • 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

Watch

  • 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)

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
Unconfirmed token plans (not in the rate) · Points program
Funding
Stablecoin depositCrypto (auto-convert)ACHFedWire
Spending limit
Unlimited daily

Perks and benefits

  • Lounge access
    Discounted lounge access, Visa Infinite tiers only (Premium/Private)
  • Travel insurance
    Visa Infinite travel insurance (Premium/Private only)
  • Purchase protection
    Visa Infinite purchase & price protection (Premium/Private only)
  • Concierge
    24/7 concierge (Premium/Private only)
  • Offers & credits
    Visa Infinite Luxury Hotel Collection (Premium/Private)
  • Idle-balance yield
    Optional KAST Earn vaults (~5–9% APY), separate from the card balance
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General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates; terms change; crypto is volatile.

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