Side-by-side comparison of KAST Card and Gemini Credit Card — fees, cashback rates, custody models, and regional availability. Updated for 2026 with our editorial verdict based on real data from both issuers.
Quick Verdict:
Gemini Credit is the clear winner in this matchup with a Sweepbase rating of 4.7/5 vs 3.6/5. It offers a stronger overall package across fees, features, and user experience.
| Features |  KAST Card |  Gemini Credit Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Custodial | Custodial | |
| Visa Prepaid | Mastercard Credit | |
| Standard: Free virtual + $40 shipping; Premium/Limited/Luxe: included | Free | |
| $0 (K Card; was $20) | Free | |
| ~2% FX on non-USD (official; some corridors 0.5-1.75%) | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange | |
| Season 5 (Dec 2025-Mar 2026): free K Card earns 2% in Season Points (pre-TGE, no guaranteed value) + 4% in $MOVE tokens = 6% total. Premium (5% points + 4% $MOVE = 9%) and Luxe (8% + 4% = 12%) require expensive Pengu NFT card tiers. $MOVE cashback is capped at $2,000/month qualifying spend (max $80/month in $MOVE). Season Points have zero monetary value until TGE (expected Q2 2026) — they are essentially IOUs. Post-TGE seasons will reduce point emissions by 10-25%. The 12% headline rate is only achievable with the most expensive Pengu Luxe NFT tier. Realistic cashback for a typical user on the free K Card: ~4% in $MOVE (the 2% points portion has uncertain value). | 4% on gas, 3% on dining, 2% on groceries, 1% on everything else. 4% category capped at $200/month spend. Cashback auto-converts to crypto of choice (50+ options). APR 18.99-34.99%. | |
| Unlimited up to available balance | Cash advance only; 3% + $10 fee, 29.99% APR | |
| $250 per withdrawal, $750/day max (3 withdrawals) | Referral: $50 per friend + $250 bonus per 5 referrals (up to $5000/year) | |
| USDT, USDC, PYUSD, USDe, RLUSD stablecoins (0% spread); BTC, ETH, SOL, XRP, BNB + 20 cryptos (2-5% conversion) | not card FX) | |
| 183 countries available; 46 restricted including US states, Russia, China, Canada, Australia | USA only | |
| Get KAST Card |
Gemini Credit Card is our pick in this matchup. Gemini Credit also lets you earn yield on your deposits, something KAST doesn't offer. Zero fixed costs give Gemini Credit a cost advantage from day one. Full Apple Pay and Google Pay support makes it practical for daily spending. However, KAST may be better if you need broader regional coverage.
Bottom line: For most crypto card users, Gemini Credit Card (4.7/5) delivers better overall value than KAST Card (3.6/5).