A solid pick for people who mostly spend in dollars and want cashback on the free tier, including US residents. Skip it if you spend heavily abroad or want high cashback without a paid membership.
Score breakdown
How we read the terms: Standard tier: no membership fee and 1.5% cashback. Not scored: issuance, because a $2 virtual-card fee applies in unnamed regions; FX, because the help centre (0.5%–1.75%) and cardholder agreements (up to 1.75% or 2%) differ.
Not rated yet: verified criteria cover 35% of the weight, and we need 70% to give an overall score. How scores are calculated.
Pros
- 1.5% cashback in USD on the free Standard tier
- No membership fee on Standard and 0% top-up fee for stablecoin deposits
- Available to US residents under a separate US cardholder agreement
- Apple Pay and Google Pay
Cons
- Standard cashback only applies to the first $2,000 of spend each month
- The 3% rate needs the $10,000/year Private membership
- Every ATM withdrawal costs $3 + 2%
- FX fee figures differ between the help centre and the card terms
Overview
The KAST Card is a Visa issued by Third National. Its cardholder agreements describe a 0% APR card secured by the crypto collateral in your KAST account, and KAST’s terms say deposited assets are held by a custodian partner, so this is a custodial product.
Cashback is paid in dollars: 1.5% on Standard (first $2,000 a month), 2% on Premium ($1,000/year, first $10,000) and 3% on Private ($10,000/year, first $40,000). Spending in USD has no FX fee; other currencies cost 0.5%–1.75% according to the help centre.
We haven’t run a hands-on test of this card; this review is based on the issuer’s published documents linked on this page.
Card tierssource
| Tier | Stake | Subscription | Cashback | Notes |
|---|---|---|---|---|
| Standard | Not verified | $0 | 1.5% | Visa Platinum; 1.5% on first $2,000/month; 2 free cards |
| Premium | Not verified | $1,000/year | 2% | Visa Infinite; 2% on first $10,000/month; +1% KAST Points |
| Private | Not verified | $10,000/year | 3% | Visa Infinite plated gold card; 3% on first $40,000/month; +2% KAST Points |
Region: global.
Fees and limits
- Card issuance (global)
- Standard physical: $0 card fee + $40 delivery; Standard virtual: free, or $2 in some regionssource
- Monthly fee (global)
- $0 (Standard); Premium $1,000/year; Private $10,000/yearsource
- FX fee (global)
- Not verified
- Top-up (global)
- 0% (stablecoin deposits; blockchain costs excluded)source
- Free ATM per month (global)
- None — every withdrawal costs $3 + 2%source
Fees are quoted from the issuer’s documents for the region shown. Each “source” link opens the issuer’s page; the wording is quoted in the availability table and in the link’s tooltip.
Is it worth it? Quick math
We can’t do the maths yet: the entry-tier cashback or one of the fees is not verified.
Cashback paid in a volatile token can be worth more or less when you sell it. FX and top-up fees are not included here.
Availability
| Region | Status | What the issuer says |
|---|---|---|
| US | Available | a separate US cardholder agreement (product terms effective July 13, 2026) governs the US KAST card issued by Third National. (paraphrased)source |
| UK | Not verified | The issuer’s documents don’t say KAST doesn’t publish a country list; check the sign-up country menu. |
| EEA | Not verified | The issuer’s documents don’t say KAST doesn’t publish a country list; check the sign-up country menu. |
By country
Other regions listed by the issuer: 170+ countries where KAST has launched (selectable in sign-up dropdown); restricted locations not publishedsource. Not legal advice; an issuer can refuse any applicant.
How to get the card
- 1Download the appInstall the KAST app and check that your country is in the sign-up menu.
- 2Verify your identityComplete KYC; US residents are asked for a social security number.
- 3Get your cardStandard includes two free cards; a physical card has a $40 delivery fee.
- 4Fund and spendDeposit stablecoins (0% top-up fee) and add the card to Apple Pay or Google Pay.
KAST Card: common questions
What are the KAST Card fees?
The Standard tier has no annual fee; Premium costs $1,000/year and Private $10,000/year. Top-ups, USD spending and Apple/Google Pay are free. Non-USD spending has a 0.5%–1.75% FX fee (plus $0.10 on non-USD transactions under $25). ATM withdrawals cost $3 + 2%. A Standard physical card has a $40 delivery fee, and in some regions virtual cards cost $2.source
What are the KAST Card limits?
KAST says it sets no fixed maximum card transaction, deposit or balance limit on any tier, though individual transactions can still face security, merchant, network or compliance checks. ATM withdrawals are limited to $250 each, and to 3 withdrawals or $750 per 24 hours.source
Which countries can get the KAST Card?
KAST doesn't publish a country list. It operates only in certain regions because of local regulations; you can check whether your country is supported in the sign-up dropdown, and using a VPN from an unsupported country breaks its terms. A separate US cardholder agreement covers US cardholders.source
How does KAST Card cashback work?
USD cashback depends on membership tier: Standard (free) earns 1.5% on the first $2,000 a month, Premium ($1,000/yr) 2% on the first $10,000 a month, and Private ($10,000/yr) 3% on the first $40,000 a month. Premium and Private also earn 1% or 2% back in KAST Points.source
How much cashback does the KAST Card pay?
1.5% on the free Standard tier (first $2,000 a month), 2% on Premium and 3% on Private, paid in dollars.
Is the KAST Card available in the US?
Yes. KAST has a separate US cardholder agreement, with the card issued by Third National.
Alternatives and comparisons
Information only, not financial advice. Crypto assets are volatile. Terms change often — confirm on the issuer’s site before applying.