KAST card review — fees, limits and cashback terms
KAST is a custodial prepaid card that lets you spend stablecoins such as USDC, USDT and USDe at Visa merchants. We classify it as a cashback-focused card paying cashback in USD.
As of 11 October 2026 · Sources: KAST official membership information, 2026 public reviews
KAST tiers
← Swipe the table sideways →
| Item | Standard | Premium | Private |
|---|---|---|---|
| Annual fee | 0 | $1,000 | $10,000 |
| USD cashback | 1.5% | 2% | 3% |
| Eligible monthly spend | $2,000 | $10,000 | $40,000–50,000 (check officially) |
| Max monthly cashback | $30 | $200 | about $1,200–1,500 |
| KAST Points | None | 1% | 2% |
Fees and limits
| Item | Details |
|---|---|
| FX fee | USD 0% · non-USD 0.5–1.75% |
| ATM | $3 + 2% · $250 per withdrawal · $750 per 24h (3x) |
| Transaction, deposit, balance limits | Advertised as unlimited (controls may apply) |
| Physical card | Standard shipping about $40 |
| Inactivity fee | $1/month after 12 months unused |
| Mobile pay | Apple Pay · Google Pay |
| Custody | Custodial USD balance |
Pros and cautions
Pros
Objectively verifiable strengths
- Cashback in USD, not a volatile token.
- No annual fee or staking on the base tier.
- No FX fee on USD payments.
- No public transaction limit.
Cautions
Calculate before deciding
- Standard earns only on the first $2,000 a month.
- Higher rates need large annual fees; Premium pays off only above about $4,200 a month.
- FX fees offset much of the cashback on KRW payments.
- Sell spread on volatile coin deposits; relatively high ATM fees.
- Cashback is reported usable only for card spending in the app.
Typical application steps
Details vary by country and time.
- Install app and sign up
- Identity verification (KYC)
- Get virtual card
- Deposit stablecoins
- Order physical card (optional)