KAST Card
A custodial Visa card that pays cashback in USD. 3 plans, from free to $10,000 a year. No FX fee on US dollars. Other currencies cost 1%.
Short answer: At $2,000 a month in the US, KAST Card pays back $30.00 a month after fees and FX. That’s a real cashback rate of 1.5%, against an advertised rate of up to 3%. We haven’t tested it with our own purchases yet.
Terms checked How we work it out
- 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
Custodial: the company behind this card holds your crypto, not you. We leave custodial cards out of our rankings. See every custodial card
All amounts in US dollars
$30.00 a month
Advertised up to 3% , real cashback rate 1.5%, on the Standard plan
$30.00 cashback$0.00 card fees$0.00 FX and other fees
Sign-up bonus: new users who join through our link get $20 once they verify their identity and spend $100, plus $100 off a Premium membership ($1,000 off Private).
Affiliate link: we may earn a commission if you sign up.
Pick a plan
KAST Card has three plans: Standard, Premium and Private.
- Standard is free and pays 1.5% on the first $2,000 a month, then nothing.
- Premium costs $1,000 a year and pays 2% on the first $10,000 a month, then nothing.
- Private costs $10,000 a year and pays 3% on the first $40,000 a month, then nothing.
At $2,000 a month in the US, Standard pays back the most of the three.
- Pays the most
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
Hover the line to see other amounts.
Show as a table
| Monthly spend | What you keep | Plan |
|---|---|---|
| $250 | 1.5% | Standard |
| $500 | 1.5% | Standard |
| $750 | 1.5% | Standard |
| $1,000 | 1.5% | Standard |
| $1,500 | 1.5% | Standard |
| $2,000 | 1.5% | Standard |
| $2,500 | 1.2% | Standard |
| $3,000 | 1% | Standard |
| $4,000 | 0.75% | Standard |
| $5,000 | 0.6% | Standard |
| $6,000 | 0.61% | Premium |
| $7,500 | 0.89% | Premium |
| $10,000 | 1.17% | Premium |
Every fee
Standard is free. Premium costs $1,000 a year and Private $10,000. Outside US dollars, spending costs 1.3%, Visa’s exchange rate included.
- 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 testing crypto cards with a week of everyday spending each from October and comparing what each card takes with the 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 . Where sources disagree, we go with the less generous reading.
- KAST Membership Agreement (reward terms)Terms
- KAST Points reward termsTerms
- KAST membership pageOfficial site
- KAST promotions pageOfficial site
What changed on this card
- 0% 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
- Not offered in
- Japan
- 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 accessDiscounted lounge access, Visa Infinite tiers only (Premium/Private)
- Travel insuranceVisa Infinite travel insurance (Premium/Private only)
- Purchase protectionVisa Infinite purchase & price protection (Premium/Private only)
- Concierge24/7 concierge (Premium/Private only)
- Offers & creditsVisa Infinite Luxury Hotel Collection (Premium/Private)
- Idle-balance yieldOptional KAST Earn vaults (~5–9% APY), separate from the card balance
Compare it and read more
Compare KAST Card
Sign-up bonus: new users who join through our link get $20 once they verify their identity and spend $100, plus $100 off a Premium membership ($1,000 off Private).
Affiliate link: we may earn a commission if you sign up.
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, and crypto is volatile.
Affiliate link: we may earn a commission if you sign up.