KAST Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Standard: 2 cards included, physical card $0 plus $40 deliveryThe fine print
|
|---|---|
| Annual fee | Standard $0; Premium $1,000 a year; Private $10,000 a year, billed yearly with no monthly option |
| FX fee | 0.5-1.75% FX on non-USD (varies by corridor); a 0% FX promo ran from April to June 2026 |
| ATM limit | $250 per withdrawal, $750/day max (3 withdrawals) |
| Spending limit | Unlimited up to available balance |
Fees change; the current ones are in KAST’s terms.
Features
- Welcome bonus: $20 bonus
- Cashback: 1.5% (up to 3% on paid tiers)
The fine print
- Standard (free): 1.5% on the first $2,000 of card spend a month
- Premium ($1,000 a year): 2% on the first $10,000 a month plus 1% in KAST Points
- Private ($10,000 a year): 3% on the first $40,000 a month plus 2% in KAST Points
- Cashback is in USD, unlocks after 14 days, must be redeemed by hand and is applied to your next card purchase
- It cannot be withdrawn
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: USDT, USDC, PYUSD and RLUSD at 1:1 with no spread
Full list
- Other crypto is converted to stablecoins at a fee shown in the app
- USD bank transfers (ACH $2, Fedwire $15, SWIFT $30) and EUR SEPA (0.5%)
- Available countries: Not published by KAST; eligibility is the country list shown in the app at sign-up
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 and not stated by the issuer itself. Rain's Series C release (Jan 2026) names KAST as a Rain customer.
All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Supported cryptocurrencies
You can load the KAST Card with crypto; the 2 assets we track for it are listed below.
Pros and cons
Pros
- No fee on USD card spend
The fine print
- 1.5% USD cashback on the free tier, up to 3% plus KAST Points on paid tiers
- Reserve balance pays 8% on the free tier until July 2027 and backs card spending
- USD and EUR receiving accounts
- Payouts to bank accounts in many local currencies
- Apple Pay and Google Pay
- Welcome bonus: $20 bonus
- Banking rails: IBAN / SEPA / SWIFT support
- Multi-chain top-up across 5+ networks
Cons
- Custodial
The fine print
- 0.5 to 1.75% FX fee on non-USD spend
- ATM costs $3 plus 2% and is capped at $250 a withdrawal
- Cashback is capped by tier and can only be spent on your next card purchase
- Balances are not insured
- No public country list
Regional availability
Available worldwide
170+ countries per KAST; KAST publishes no current restricted-country list and sets eligibility by the country list shown during sign-up.
Banking and fiat rails
The fine print
- EUR virtual account with its own IBAN for SEPA
- KAST credits what arrives as USDC and does not hold a euro balance (KAST blog on USD and EUR account details)
- Both depend on country and review
Card overview
KAST is a live custodial prepaid Visa that pays USD cashback, and 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. Applications are open in 170+ countries, and KAST reports over a million users and 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 on the first $2,000 / $10,000 / $40,000 of card spend a month, with paid tiers also earning KAST Points. It unlocks after 14 days and can only be applied to your next card purchase, never withdrawn. The Reserve account pays 8% on Standard (10% and 12% on the paid tiers, up to caps) until 1 July 2027, funded by KAST, and card purchases draw on it when the USD balance runs short. Stablecoin top-ups (USDT, USDC, PYUSD, RLUSD) convert 1:1 with no spread.
Everything else costs you. Other crypto converts at a fee shown only in the app, 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. Standard includes two cards, extra virtual cards are $2 each, and the physical card is free with $40 shipping. Full KYC, no credit check, and KAST publishes no country list: eligibility is whatever the app shows at sign-up.
- 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 the $2,000 free-tier cap without paying four-figure membership fees
Common questions about the KAST Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
What are the fees for the KAST Card?
Is the KAST Card legit, and who is behind it?
Is the KAST Card worth it?
How does the KAST Card cashback work?
Where is the KAST Card available?
What cryptocurrencies does the KAST Card support?
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