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Comparing KAST Card and Bybit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way — read our editorial disclosure.
The short version:
Bybit rates 4.2/5, slightly ahead of KAST at 3.9/5. Both are solid options, but Bybit is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Prepaid | Mastercard; Visa |
| 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 | 0.5% EEA/CH/MX; 1% AU; 2% APAC (non-AU); 1.5% Brazil; 7% Argentina + 0.9% crypto conversion |
| Rewards | ||
| Cashback | ~5% (Tiers) | 2% (Tiers, cap $10/mo) |
| Yield on spendable balance | NoThe issuer pays yield, but in a separate product | Yes |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay; Samsung Pay in EEA/Switzerland; Google Pay only in APAC) |
| Bank account in your name | US account/routing number available (ACH, FedWire); EU-style virtual accounts; IBAN/SEPA via partners, SWIFT-like via FedWire | IBAN: Yes (EUR deposit IBAN via SEPA); SEPA: Yes; SWIFT: Not disclosed |
| Daily spend limit | Unlimited up to available balance | €5000/day standard; €20000/day Level 3 |
| ATM withdrawal limit | $250 per withdrawal, $750/day max (3 withdrawals) | First €100/month free in EEA, then 2%; other regions: first withdrawal free, then 2% |
| Top-up methods | USDT, USDC, PYUSD, USDe, RLUSD stablecoins (0% spread); BTC, ETH, SOL, XRP, BNB + 20 cryptos (2-5% conversion) | BTC, ETH, XRP, USDT, USDC, TON, BNB, MNT (8 cryptos, region-dependent) |
| Regions | 183 countries available; 46 restricted including US states, Russia, China, Canada, Australia | EEA via bybit.eu, where Bybit's stated eligibility is a proof of address from eligible EU…EEA via bybit.eu, where Bybit's stated eligibility is a proof of address from eligible EU countries except Croatia and Ireland, plus Liechtenstein or Norway - Bybit publishes no country count. Everything outside the EEA runs on bybit.com, which lists nine card regions: Argentina, Brazil, Mexico, Peru, Australia, AIFC, Georgia, Kazakhstan and Asia Pacific. Not available in the US, Canada or Singapore, and not part of the UK relaunch. Switzerland unresolved: the EEA application guide is titled EEA and CH and accepts Swiss ID, but the proof-of-address list does not name Switzerland |
| 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 | Not disclosedThe programme does not name its issuer |
| Our read | ||
| Strengths |
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| Trade-offs |
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| Get KAST Card | Get Bybit Card | |
Bybit Card is the better card here. Bybit also lets you earn yield on your deposits, something KAST doesn't offer. Zero fixed costs give Bybit a cost advantage from day one. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, KAST may be better if you need something it does better.
In short: Bybit Card (4.2/5) is the stronger option for most people compared to KAST Card (3.9/5).
