KAST Card vs Gemini Credit Card: 2026 Comparison
Comparing KAST Card and Gemini Credit Card on fees, cashback, custody, and where each card is available.
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The short version:
Gemini Credit rates 4.4/5, ahead of KAST at 3.9/5. The gap is 0.5 of a point: a few line items in the formula, not a different class of card. What moves the score for Gemini Credit: no issuance or annual fee, up to 4% cashback.
KAST:
Gemini Credit:
Side by side
| Feature | KAST Card 3.9 out of 5, Sweepbase rating Get card KAST Card | Gemini Credit Card 4.4 out of 5, Sweepbase rating Get card Gemini Credit Card |
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual and physical metal card, in several designs |
| Network | Visa Prepaid | Mastercard Credit |
| Custody | Custodial | Custodial |
| Costs | ||
| Issuance fee | Standard: 2 cards included, physical card $0 plus $40 deliveryThe fine print
| Strength: Free |
| Annual fee | Standard $0; Premium $1,000 a year; Private $10,000 a year, billed yearly with no monthly option | Strength: Free |
| FX fee | 0.5-1.75% FX on non-USD (varies by corridor); a 0% FX promo ran from April to June 2026 | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | Strength: 1.5% (up to 3% on paid tiers) | Strength: Up to 4% |
| Yield on spendable balance | Strength: Yes | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Strength: Apple Pay and Google Pay; Apple Pay depends on the country of residence registered with KAST; no Samsung Pay | Strength: Yes (Apple Pay; Google Pay) |
| Bank account in your name | Strength: USD virtual account that receives ACH, Fedwire and in some cases SWIFTThe fine print
| 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; $10 or 3% of each cash advance, whichever is greater, at 29.49% APR charged from the transaction date |
| Top-up methods | USDT, USDC, PYUSD and RLUSD at 1:1 with no spreadThe fine print
| Link to Gemini account; spend in fiat (USD) |
| Regions | 170+ countries per KAST; KAST publishes no current restricted-country list and sets eligibility by the country list shown during sign-up | 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 | ||
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Which scores higher
Gemini Credit leads on the formula, but the score is a sum, and KAST wins some of its terms: the balance KAST spends from earns yield, and the one Gemini Credit spends from does not. If one of those is the thing you care about, read that row above before the score.
KAST vs Gemini Credit: FAQ
Gemini Credit Card scores higher on the Sweepbase formula, at 4.4/5. What moves the score: no issuance or annual fee, up to 4% cashback. The formula does not know where you live or how you spend, so check availability and fees for your own case.
KAST Card: issuance Standard: 2 cards included, physical card $0 plus $40…, annual Standard $0, 0.5-1.75% FX on non-USD (varies by corridor). Gemini Credit Card: issuance Free, annual Free, 0% foreign transaction fees… You can compare total annual cost using our fee calculator.
KAST Card: 1.5% cashback (up to 3% on paid tiers). Gemini Credit Card: Up to 4% cashback. Rates can depend on tier, staking or caps, so check each card's page for the conditions.
KAST Card: Custodial. Gemini Credit Card: Custodial. Both cards are custodial, meaning the issuer holds your funds on your behalf.
KAST Card supports Apple Pay and Google Pay. Gemini Credit Card supports Apple Pay and Google Pay.
KAST Card: Global. Gemini Credit Card: USA. Check each card's detail page for the full country list.