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Comparing KAST Card and Binance Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
These two are close: Binance at 4/5 vs KAST at 3.9/5. Binance has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Prepaid | Mastercard Prepaid |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | Standard: Free virtual + Free physical ($40 shipping only); Premium/Limited/Luxe: included | Free |
| Annual fee | $0 (K Card; was $20) | Free |
| FX fee | 0.5-1.75% FX on non-USD (varies by corridor); 0% FX promo Apr-Jun 2026 | 0.9% crypto-to-fiat conversion + 1-2% FX on foreign currency |
| Rewards | ||
| Cashback | ~5% (Tiers) | Up to 3% (Brazil) |
| Yield on spendable balance | NoThe issuer pays yield, but in a separate product | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | No |
| Bank account in your name | US account/routing number available (ACH, FedWire); EU-style virtual accounts; IBAN/SEPA via partners, SWIFT-like via FedWire | No |
| Daily spend limit | Unlimited up to available balance | Varies by tier based on BNB holdings, up to €8700/day for highest tier |
| ATM withdrawal limit | $250 per withdrawal, $750/day max (3 withdrawals) | €290/day; 0.9% fee |
| Top-up methods | USDT, USDC, PYUSD, USDe, RLUSD stablecoins (0% spread); BTC, ETH, SOL, XRP, BNB + 20 cryptos (2-5% conversion) | BTC, BNB, USDT and 10+ major cryptos |
| Regions | 183 countries available; 46 restricted including US states, Russia, China, Canada, Australia | Binance names Brazil, Argentina, Peru and Armenia in its own words on…Binance names Brazil, Argentina, Peru and Armenia in its own words on binance.com/en/cards, whose region selector carries eight options: Brasil, LATAM, CIS, MEA, Australia, New Zealand, APAC and Argentina. The MEA, APAC, AU and NZ tabs name no country at all, and the CIS tab says only some CIS countries and Armenia, so no consolidated list of supported countries exists anywhere. A separate Binance Card Global Program runs through Immersve Limited, a New Zealand entity licensed as a card issuer by Mastercard. Excludes EEA, UK and United States - read from absence, since no European or American tab exists and binance.com/en-GB/cards 404s, not from any Binance statement |
| Behind the card | ||
| Card issuer | Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policyInferred, not stated by the issuer | Pomelo S.A. — Argentina (BaaS, multi-LatAm)Inferred, not stated by the issuer |
| Our read | ||
| Strengths |
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| Trade-offs |
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| Get KAST Card | Get Binance Card | |
Binance Card is the better card here. Zero fixed costs give Binance a cost advantage from day one. However, KAST may be better if you need something it does better.
In short: Binance Card (4/5) is the stronger option for most people compared to KAST Card (3.9/5).
