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KAST Card

by Rain (issued from Puerto Rico)

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Marketed: 1.5%Your effective cashback: 0.6% ($30/mo) at $5,000/mo on the Standard plan
Cashback earned on your spend
$2,000 spent × 1.5%
1.5% applies to the first $2,000/mo of spend
$30/mo
$3,000 spent × 0.0%
0.0% on the rest of your spend (no cap)
$0/mo
Gross cashback per month
sum of the bands above, before fees
$30/mo
Annual cashback
$30/mo × 12 months
$360/yr
No fees on this plan
$0
Net cashback after fees
annual cashback minus all fees
$360/yr
Effective cashback rate
net ÷ your annual spend (0.6%)
0.6%

Based on your monthly spend — edit it on the home page.

Custody
custodial
Type
prepaid
Regions
170+ countries
Extra rewards
Airdrop upcoming · Points program
Rewards detail
KAST Points (+1% Premium, +2% Private tiers); token TGE targeted Q2–Q3 2026.

Cashback plans

Fees

FX markup
0.5–1.75% (varies by country; 0% FX promo currently active)
ATM
USD $3 + 2% (non-USD $3 + 4%); $250/txn, 3 withdrawals/24h, $750/day
Spending (crypto→USD)
$0 on USD purchases; non-USD purchases incur 0.5–1.75% FX
Funding / top-up
Stablecoin 0% (1:1); other crypto 2–5% conversion; ACH $2; FedWire $15
Issuance
2 cards free (virtual or physical); physical shipping $40; extra cards Premium $250 / Private $1,000
Monthly
$0 ($1/mo after 12mo inactivity)

Perks & benefits

Pros

  • 0% spread on stablecoin deposits (1:1)
  • Free Standard tier, no monthly fee
  • 170+ countries, unlimited daily spend
  • No staking required for any tier (SOL staking optional for extra KAST Points)
  • Apple/Google Pay
  • 0% FX promo currently active

Cons

  • Custodial — KAST holds your crypto
  • High ATM cost ($3 + 2% USD, $3 + 4% non-USD), low $750/day limit
  • Paid tiers ($1k–$10k/yr) only pay off at very high spend
  • Cashback stops past the monthly cap (no lower stacking tier)
  • USD cashback has a 14-day timelock, must be redeemed in-app, and applies only to the next card purchase (not externally withdrawable)
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Researched June 2026; verify terms before publishing. Rewards overhauled May 6–8 2026 (USD stablecoin cashback replaced Season-5 KAST Points 2/5/8% + 4% $MOVE). Premium earns +1% and Private +2% in KAST Points (token not yet launched, TGE Q2–Q3 2026) on top of USD cashback — counted here as upside only, NOT in the base rate. Private monthly spend cap is reported as $40,000 by four launch-press outlets (used here) but $50,000 by some aggregators echoing the legacy 'Luxe' name — MEDIUM confidence; official site publishes no caps. Tier name is now 'Private' (formerly 'Luxe'). Card variants: Standard = Visa Platinum, Premium/Private = Visa Infinite. · Last updated 2026-06-28