KAST Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
Get KAST CardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
Card Overview
KAST is a live custodial prepaid Visa that pays USD cashback, and the catch to read first is the custody model: any crypto you deposit is treated as sold to KAST on entry, held via Fireblocks and BitGo, with no self-custody option in the card flow. It is genuinely obtainable in 2026. Active applications, 170+ countries, over a million users, an $80M Series A in May. Around May 8 it shifted from card-level tiers to account-level memberships, same names and prices: Standard on Visa Platinum (free), Premium on Visa Infinite ($1,000/yr), Private on Visa Infinite ($10,000/yr). Cashback runs 1.5% / 2% / 3% in USD, with paid tiers also earning KAST Points. Stablecoin top-ups (USDT, USDC, USDe, PYUSD, RLUSD) convert 1:1 with no spread. Everything else costs you. Non-stablecoin crypto auto-converts at 2% to 5%, non-USD purchases add 0.5% to 1.75% FX, ATM use runs $3 plus 2% plus operator fees, bank top-up is $2 ACH or $15 FedWire. First two virtual cards are free, then $2 each; the physical card is free with $40 shipping. Full KYC, no credit check. Reviewers report a roughly $2,000/month cap on the free tier's cashback, but KAST does not publish one, so confirm it in-app before you count on it. Best fit: stablecoin holders who spend mostly in USD and want fast, no-credit-check onboarding. Wrong card if you spend heavily in non-USD currencies, want to keep custody of your coins, or would blow past that reviewer-reported cap without paying four-figure membership fees.
KAST Card delivers stablecoin-first global spending with 12+ Visa card designs ranging from premium plastic to 24-karat gold-plated metal, solid gold editions, and co-branded Pudgy Penguins collection. Backed by $80M Series A at $600M valuation (March 2026). Earn 1-6% rewards in KAST Points (Season 6) with zero fees on USD stablecoin deposits, optional SOL staking for additional rewards, and instant virtual card activation. Choose from four tiers, Standard (free), Premium ($1,000/year with LED-illuminated designs), Limited ($5,000 one-time Founders Edition), or invite-only Luxe ($10,000/year with 37g solid gold card), each offering VIP Concierge support and acceptance at 150+ million merchants across 183 countries for ultimate borderless financial freedom.
This is a Visa crypto card. It offers cashback rewards. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | Standard: Free virtual + Free physical ($40 shipping only); Premium/Limited/Luxe: included |
|---|---|
| Annual Fee | $0 (K Card; was $20) |
| FX Fee | 0.5-1.75% FX on non-USD (varies by corridor); 0% FX promo Apr-Jun 2026 |
| ATM Limit | $250 per withdrawal, $750/day max (3 withdrawals) |
| Spending Limit | Unlimited up to available balance |
These figures can change. Confirm the current fees, FX and network in KAST’s official terms before you apply.
Features
- Welcome Bonus: $20 bonus
- Card Type: Virtual + Physical
- Top up with: USDT, USDC, PYUSD, USDe, RLUSD stablecoins (0% spread); BTC, ETH, SOL, XRP, BNB + 20 cryptos (2-5% conversion)
- Available Countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway, United Kingdom, Switzerland, Australia, New Zealand, Japan, Singapore, Hong Kong, Taiwan, South Korea, Brazil, Mexico, Argentina, Chile, Colombia, Peru, United Arab Emirates, Saudi Arabia, Turkey, Thailand, Vietnam, Malaysia, India (170+ countries; excludes Afghanistan Albania Belarus Bulgaria China Cuba Indonesia Iran Iraq North Korea Pakistan Philippines Russia South Africa Syria Ukraine Venezuela Yemen Zimbabwe and 30+ other sanctioned regions)
Banking & Fiat Rails
US account/routing number available (ACH, FedWire); EU-style virtual accounts; IBAN/SEPA via partners, SWIFT-like via FedWire
Who issues the KAST Card
KAST Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Third National (Nimbus LLC), USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy — inferred from the program manager, not stated by the issuer itself. K tier; Rain customer named in Rain Series C release (Jan 2026); issuer inferred.
All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Supported Cryptocurrencies
You can load the KAST Card with crypto; the 7 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Ethereum, Solana, Polygon, Tron, Arbitrum
Who Is the KAST Card Best For?
The KAST Card is a good fit for users who want to start spending crypto with minimal onboarding friction.
The KAST Card pays 1.5% cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in 183 countries available; 46 restricted including US states, Russia, China, Canada, Australia, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn 1.5% cashback
- People who want a straightforward, app-managed crypto card
- European users within EEA countries
Avoid if
- You need full non-custodial control of your funds
- You're a US resident (this card doesn't support US users)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the KAST Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- 0% fee on USD stablecoin spending; 12+ premium card designs incl. Pengu collection; instant virtual issuance; up to 10% rewards (Season 6); $80M Series A at $600M valuation; fiat off-ramps in 14 currencies; VIP Concierge (higher tiers)
- Earn 1.5% cashback on eligible purchases
- Works wherever Visa is accepted worldwide
- Virtual card ready right away, no shipping wait
- Welcome bonus: $20 bonus
- Banking rails: IBAN / SEPA / SWIFT support
Cons
- Fully custodial; 0.5-1.75% FX fee on non-USD; expensive ATM fees ($3 + 2%); funds not insured; Season Points have no guaranteed value until TGE
- Card issuance fee: Standard: Free virtual + Free physical ($40 shipping only); Premium/Limited/Luxe: included
- Annual fee: $0 (K Card; was $20)
- Only available in certain regions
How to Get the KAST Card
Here is what the sign-up process looks like, from application to first purchase.
Create a KAST account
A few minutesGo to the KAST website or download the app. Sign up with your email, pick a password, and accept the terms.
Check which tier needs verification
Depends on tierKAST Card has a no-KYC tier, so basic use doesn't require identity documents. Higher limits or extra features may still ask for ID — the app shows what each tier requires.
Fund your card
Usually instantLoad your card with USDT, USDC, PYUSD, USDe, RLUSD stablecoins (0% spread); BTC, ETH, SOL, XRP, BNB + 20 cryptos (2-5% conversion) through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual KAST Card shows up in the KAST app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available in 183 countries available; 46 restricted including US states, Russia, China, Canada, Australia
The KAST Card is currently available in 183 countries available; 46 restricted including US states, Russia, China, Canada, Australia. Some countries may be excluded, so confirm on the issuer's website before applying.
Common questions about the KAST Card
What are the fees for the KAST Card?
How does the KAST Card cashback work?
Where is the KAST Card available?
What cryptocurrencies does the KAST Card support?
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