Kast Card Review 2026
KAST Card is a custodial prepaid Visa that converts stablecoins to a USD balance at 1:1 with no top-up fee, no USD spend fee and 1.5% cashback on the free Standard tier.
KAST is a low-cost custodial crypto Visa card that's excellent for spending USD stablecoins, but foreign transaction fees, expensive ATM withdrawals, and lack of self-custody make it less attractive for international travelers or users who want full control of their crypto.
CA7YCKZS
✓ Reasons to get it
- Standard tier costs $0 a year and still pays 1.5% USD cashback on the first $2,000 of monthly spend.
- Stablecoin deposits convert to USD 1:1 with a 0% spread and 0% top-up fee, and USD card spend carries no transaction fee — including via Apple Pay and Google Pay.
- No preset daily or monthly spending cap; you can spend up to your available balance, which is rare among prepaid crypto cards.
- Apple Pay and Google Pay work at no extra charge, and the first two virtual cards are free.
✕ Things to watch
- Custodial by design. Deposits become a USD balance KAST holds, non-stablecoin tokens are auto-converted on arrival at a 2%–5% fee, and there is no self-custody option in the card flow.
- The 0.5%–1.75% FX fee applies to every non-USD transaction, and KAST does not publish which rate applies where — so a European or UK spender cannot price the card in advance.
- ATM access is expensive and tightly capped: $3 + 2% per withdrawal, $250 per withdrawal and $750 per rolling 24 hours, before operator surcharges.
- Premium at $1,000/year buys only a 0.5-point cashback increase over Standard (2% vs 1.5%), so it needs very high monthly volume to break even.
Our full review
KAST Card is a custodial prepaid Visa issued by KAST. You fund it with stablecoins or a bank transfer, KAST holds the balance in USD, and you spend it through a virtual or physical card. We tested the signup and funding flow and read KAST's own fee schedule, rather than relying on the aggregator listings, several of which still describe a four-tier lineup KAST no longer publishes.
What it costs
The USD side is genuinely cheap. Stablecoin deposits convert to USD at 1:1 with a 0% spread, the top-up fee is 0%, and USD card spend carries no transaction fee, the same via Apple Pay or Google Pay. For someone paid in USDC who buys in dollars, the running cost is close to zero.
Two things spoil that. Non-USD spend attracts a 0.5%–1.75% foreign exchange fee, and KAST states only that the exact rate depends on your country of residence and where you transact. That is a wide band to price blind: at the top of it, a $2,000 month abroad costs $35. Cash is worse. ATM withdrawals run $3 flat plus 2%, are capped at $250 per withdrawal and $750 per rolling 24 hours across three withdrawals, and ATM operators add their own charges. A full $250 withdrawal costs $8 before the operator takes a cut, 3.2%.
Custody and what you actually own
This is not a self-custody card and KAST does not pretend otherwise. Funds you deposit become a USD balance held by KAST, and any non-stablecoin token you send is automatically converted into stablecoins at a 2%–5% fee that varies by token. Full KYC applies, and large transactions can be flagged for compliance review. If asset control is the point of holding crypto, this card is not it; if spend access is the point, it works.
Everyday use and the tiers
Standard is free and pays 1.5% USD cashback on the first $2,000 of spend each month, about $30 a month at the cap, with no annual fee to claw back. Premium costs $1,000 a year and lifts that to 2% on the first $10,000 a month plus 1% in KAST Points; on cashback alone the extra half-point needs roughly $2,800 of qualifying spend every month just to break even, so it only makes sense if you value the Points and metal card. Private at $10,000 a year is a status product. Card spending itself has no preset limit, you spend up to your balance. A physical card is free but ships for $40, so virtual-only users skip that.
If you're looking for a KAST referral code, KAST invite code, or KAST promo code, use CA7YCKZS for 10% off on first subscription.
Who is it for?
People who hold stablecoins and spend mainly in US dollars, who want spend access rather than asset control. Frequent travellers should look elsewhere: the FX band is wide and unpublished by country, and the ATM caps make cash awkward.
Fee breakdown
Lower bars are better. This is what the card actually costs you, verified against issuer terms.
How Kast Card compares
| Card | Custody | USD fee | Cashback | Rating |
|---|---|---|---|---|
| Kast Card this card | custodial | 0% | 1.5% | ★ 4.5 |
| RedotPay Crypto Card | custodial | 1% | None | ★ 4.6 |
| Ether.fi Cash Card | non-custodial | 0% | Up to 3% | ★ 4.5 |
| Startale Visa Platinum Card | non-custodial | TBA | 3% | ★ 4.5 |
How to get the Kast Card
- 1Download the KAST app and sign up
Download the KAST app and create your account using the referral code CA7YCKZS during registration. Complete KYC (identity verification) to become eligible for a KAST card. Approval depends on your jurisdiction and compliance checks.
- 2Fund the account with stablecoins
Send supported stablecoins for a 0% deposit fee; they convert to your USD balance 1:1 with no spread. Avoid depositing non-stablecoin tokens, which are auto-converted at 2%–5%. ACH costs $2 and FedWire or Swift $15.
- 3Issue the card and set your own limits
Your first two virtual cards are free and work immediately, including in Apple Pay and Google Pay. A physical card is free but costs $40 to ship. In the app under Limits you can cap card, on-chain and bank transactions yourself.
Official sources
Primary sourcesEvery figure in this review was checked against the issuer's own documents. Follow any link below to verify it yourself.
- Official fee schedule concierge.kast.xyz Checked 2026-07-17
- KAST Terms and Conditions of Service kast.xyz Checked 2026-07-17
Frequently asked questions
What is the KAST referral code?
Is KAST Card custodial or non-custodial?
What are the KAST Card fees for USD and international spending?
For international purchases, KAST applies a 0.5%–1.75% foreign exchange (FX) fee, depending on your country of residence and where the transaction takes place. Non-USD transactions under $25 also incur a $0.10 fee.
How much cashback does the KAST Card offer?
Standard (Free): 1.5% USD cashback on the first $2,000 spent each month.
Premium: 2% USD cashback on the first $10,000 per month, plus 1% in KAST Points.
Private: 3% USD cashback on the first $40,000 per month, plus 2% in KAST Points.
Cashback is paid in USD, while KAST Points are part of KAST's rewards program and may change over time.
What are the KAST Card ATM withdrawal fees and limits?
Withdrawal limits are:
$250 per withdrawal
Up to 3 withdrawals every 24 hours
Maximum $750 per rolling 24-hour period
If you need a higher withdrawal limit, you'll need to contact KAST Concierge.
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