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Comparing KAST Card and Gemini Credit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Gemini Credit rates 4.4/5, slightly ahead of KAST at 3.9/5. Both are solid options, but Gemini Credit is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Prepaid | Mastercard Credit |
| 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% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | ~5% (Tiers) | Up to 4% |
| 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) | Yes (Apple Pay; Google Pay) |
| 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 | None (US credit card) |
| ATM withdrawal limit | $250 per withdrawal, $750/day max (3 withdrawals) | Cash advance only; 3% + $10 fee, 29.99% APR |
| Top-up methods | USDT, USDC, PYUSD, USDe, RLUSD stablecoins (0% spread); BTC, ETH, SOL, XRP, BNB + 20 cryptos (2-5% conversion) | Link to Gemini account; spend in fiat (USD) |
| Regions | 183 countries available; 46 restricted including US states, Russia, China, Canada, Australia | USA only |
| 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 | WebBank — USA (Utah industrial bank, FDIC-insured)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs |
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| Get KAST Card | Get Gemini Credit Card | |
Gemini Credit Card is the better card here. Zero fixed costs give Gemini Credit 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 broader regional coverage.
In short: Gemini Credit Card (4.4/5) is the stronger option for most people compared to KAST Card (3.9/5).
