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Comparing KAST Card and OKX Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
OKX rates 4.2/5, slightly ahead of KAST at 3.9/5. Both are solid options, but OKX is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual only |
| Network | Visa Prepaid | Mastercard Debit |
| 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 | 0.1% conversion spread (official docs); no transaction or FX fees |
| Rewards | ||
| Cashback | ~5% (Tiers) | 2-4% (VIP tiers) |
| 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) |
| Bank account in your name | US account/routing number available (ACH, FedWire); EU-style virtual accounts; IBAN/SEPA via partners, SWIFT-like via FedWire | SEPA via MiCA/PSD2 Malta PI license (EU); IBAN not explicitly confirmed per user |
| Daily spend limit | Unlimited up to available balance | Based on verification and tier |
| ATM withdrawal limit | $250 per withdrawal, $750/day max (3 withdrawals) | Not available (virtual card only) |
| Top-up methods | USDT, USDC, PYUSD, USDe, RLUSD stablecoins (0% spread); BTC, ETH, SOL, XRP, BNB + 20 cryptos (2-5% conversion) | USDC, USDG stablecoins from OKX Pay account |
| Regions | 183 countries available; 46 restricted including US states, Russia, China, Canada, Australia | EEA + Brazil |
| 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 | Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs |
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| Get KAST Card | Get OKX Card | |
OKX Card is the better card here. OKX also lets you earn yield on your deposits, something KAST doesn't offer. Zero fixed costs give OKX 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: OKX Card (4.2/5) is the stronger option for most people compared to KAST Card (3.9/5).
