Side-by-side comparison of KAST Card and Holyheld 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:
Both cards score closely — Holyheld at 3.8/5 vs KAST at 3.6/5. Holyheld has a slight edge, but the best choice depends on your priorities.
| Features |  KAST Card |  Holyheld Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Custodial | Hybrid custody | |
| Visa Prepaid | Mastercard Prepaid | |
| Standard: Free virtual + $40 shipping; Premium/Limited/Luxe: included | Classic €29; Limited €99; Metal €199 | |
| $0 (K Card; was $20) | Free (one-time card fee only) | |
| ~2% FX on non-USD (official; some corridors 0.5-1.75%) | 0% within EEA; 2.5% + €1 outside EEA | |
| 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). | 0.5-1% USDC cashback (no staking required) | |
| Unlimited up to available balance | €10000/day | |
| $250 per withdrawal, $750/day max (3 withdrawals) | Available with physical card | |
| USDT, USDC, PYUSD, USDe, RLUSD stablecoins (0% spread); BTC, ETH, SOL, XRP, BNB + 20 cryptos (2-5% conversion) | 1200+ cryptocurrencies across 14+ blockchains; manual conversion to EUR required | |
| 183 countries available; 46 restricted including US states, Russia, China, Canada, Australia | 30 EEA countries only | |
| Get KAST Card | Get Holyheld Card |
Holyheld Card is our pick in this matchup. 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, Holyheld Card (3.8/5) delivers better overall value than KAST Card (3.6/5).