KAST Card: Fees, Tiers, Cashback and the Points Change

The KAST Card is a Visa card that spends stablecoins you deposit into a KAST account. It comes in three tiers: Standard is free with 1.5% cashback, Premium costs $1,000 a year with 2%, and Private costs $10,000 a year with 3%, each capped by a monthly spending limit, per KAST's cards page. KAST Points earning ends on November 30, 2026, per the same page, so from December the tiers compete on cashback alone. This guide covers each KAST Card fee, what the points change means, which tier pays for itself at which spending level, and where a prepaid card like SolCard fits instead.

KAST sells itself as a stablecoin account with a card attached. You deposit stablecoins, and the card spends that balance anywhere Visa is accepted, at "150M+ merchants in 170+ countries," per KAST's cards page.

The key facts from KAST's own pages:

• Network: Visa only. Standard is a Visa Platinum card; Premium and Private are Visa Infinite, per KAST.
• Deposits: USDT, USDC, PYUSD and RLUSD. USDT and USDC have the widest network support, including Ethereum, Solana, Polygon, Arbitrum and TRON, per the cards page.
• Wallets: Apple Pay and Google Pay, including on the instant virtual card, per the cards page.
• Company: the terms are with "KAST Tech, Reg No. 16223, incorporated in Anjouan, Comoros," and are governed by the laws of Seychelles, per KAST's terms of service.
• Issuer (outside the US): "The issuer for this card program is Third National," per KAST's non-US cardholder agreement, dated March 20, 2025.

KAST is also one of the biggest stablecoin card programs on Solana. It accounted for about $100.4 million of Solana's tracked card spending in October 2026, more than 70% of the total, per Crypto Briefing, citing Paymentscan data. For how a card that spends a deposited balance differs from one that spends straight from your wallet, see our explainer on what a crypto debit card is.

Sources: KAST cards page, KAST membership page. The "most cashback a month" row is the rate multiplied by the cap.

Paid memberships are billed yearly up front, and KAST's membership FAQ says "There is no monthly billing option as of yet," per the membership page. Cashback is "earned on eligible card purchases only, up to each tier's monthly spend cap," and some merchant categories are excluded, per the cards page.

The membership fee is only part of it. These are the card's other charges, each from a KAST page:

The cardholder agreement's fee disclosures allow a foreign exchange fee of "up to 2%", above the range the help centre quotes, per the agreement. KAST's cards page says the app shows fee details before you confirm, so check the figure there for your country.

ATM withdrawals are capped at "$250 per withdrawal including fees," with up to three withdrawals in a rolling 24 hours, or $750, per KAST's cards page. Because the cap includes fees, a withdrawal at the limit leaves about $8 of the $250 to KAST's $3 plus 2%, and the ATM operator can add its own fee. Our guide to crypto card ATM withdrawals explains how operator surcharges stack on top.

Withdrawing stablecoins from KAST costs a flat fee plus 0.1%, and the flat part depends on the network: $1 on Solana, $0.20 on Arbitrum, $5 on Tron and $6 on Ethereum, with a $5 minimum withdrawal, per KAST's card guide. If you plan to move funds in and out often, Arbitrum or Solana is the cheaper route.

KAST's cards page says "KAST Points earning will end on 30 November 2026." KAST announced the change on November 2 and called off its planned token launch, per Crypto Briefing.

What follows, per TokenPost:

1. Points earned through November 30 count. Eligible balances convert into KAST Pioneer Units (KPUs) in the first week of December.
2. KPUs can't be traded. Crypto Briefing describes them as "non-tradable," issued through a special purpose vehicle.
3. You have to acknowledge them. Users receiving KPUs must complete an in-app acknowledgment by a deadline, and missing it "cancels the KPU balance without restoring the points."
4. Some users get vouchers instead. Standard-program users who don't qualify for KPUs may receive vouchers for eligible spending, which "are not cash and cannot be withdrawn."
5. The US runs separately. "The U.S. program has separate terms, eligibility requirements, verification steps and timing," and KAST hasn't announced a date for it.

KAST hasn't published the conversion formula, per the same report. For anyone choosing a tier today, the practical effect is simple: the points rows in the tier table stop mattering at the end of November, and cashback is what's left.

With points gone, each paid tier has to earn back its membership fee through extra cashback. Spread over a year, Premium's fee is about $83.33 a month and Private's is about $833.33. The table below nets each tier's cashback against that, assuming all spending is eligible and in US dollars.

Each figure is cashback minus the monthly share of the membership fee, using the rates and caps on KAST's cards page.

Three break-even points come out of it:

• Standard to Premium: Premium beats Standard once you spend about $5,667 a month. Below that, the free tier's $30 beats Premium's 2% minus its fee.
• Premium's ceiling: Premium stops gaining at $10,000 a month, where it nets $116.67.
• Premium to Private: Private only beats Premium above about $31,667 a month, and nets at most $366.67 at the $40,000 cap.

These are cashback numbers before any Visa Infinite benefits, which KAST says vary by region, per its membership page. If those benefits are worth something to you, add that to the paid tiers.

The table assumes US-dollar spending. Spend $2,000 a month in euros on Standard, and the FX fee costs $10 at 0.5% or $35 at 1.75%, against $30 of cashback. At the top of the range, you pay more in FX than the card returns. Our guide to crypto card foreign transaction fees shows how to avoid dynamic currency conversion at the terminal, which adds a second markup.

KAST doesn't publish a full list of supported countries on its card pages. Its terms say access may be subject to "identification, verification, and screening" and point to the list of supported regions shown during verification in the app, per the terms of service. Its card guide also refers to a "verified (KYC) KAST account" for its card offers, per the card guide.

KAST's cards page adds that availability "may vary by jurisdiction and is subject to regulatory approval." In practice, check the residence list in the app before you pay for a Premium or Private membership. The US has its own program with separate terms, per KAST's US cardholder agreement, and the non-US cardholder agreement linked above doesn't apply there.

On published fees, KAST Standard costs less than SolCard for US-dollar spending: no membership fee, and 1.5% back on the first $2,000 a month. SolCard pays no cashback, and its Virtual tier charges 5% at top-up, so for someone who qualifies for KAST and spends in dollars, KAST costs less.

Sources: KAST cards page, KAST membership page, KAST help centre, KAST non-US cardholder agreement, SolCard fees, SolCard help-centre fee breakdown for the $0.30 per transaction.

SolCard makes more sense in a few narrower cases: KAST's residence list doesn't include you, or you want to top up with SOL as well as USDT and USDC on Solana, Ethereum, Base, Polygon and more. It has limits of its own. Platinum, the tier with Apple Pay, Google Pay and a physical card, isn't offered in the US, and Nigeria, Russia, South Africa and Ukraine are among the countries on SolCard's restricted list. Like most prepaid cards, it often can't cover hotel and car-rental deposit holds. The virtual cards page has the Virtual tier's details, and /compare sets SolCard against other cards.

For most people who qualify, KAST Standard is the tier to pick. It has no membership fee and pays 1.5% on the first $2,000 a month. Premium only pays for itself above about $5,667 a month of eligible spending, and Private above about $31,667, now that points earning ends on November 30. If you spend mostly in another currency, check your FX rate in the app first: at 1.75% it can exceed what Standard returns.

If KAST doesn't serve your country, or you'd rather fund a card from SOL as well as stablecoins, SolCard is worth comparing, at the cost of a 5% top-up on Virtual or ID verification on Platinum. For other options, see our Jupiter Card guide, our USDT card guide and our best crypto debit cards roundup.

The Standard tier has no membership fee, but a physical card costs $40 to ship, per KAST's membership page. Premium costs $1,000 a year and Private $10,000 a year, billed up front.

Visa. Standard is a Visa Platinum card, and Premium and Private are Visa Infinite, per KAST's cards page.

Yes. KAST's cards page says points earning ends on November 30, 2026. Eligible points convert into non-tradable KAST Pioneer Units in the first week of December, per TokenPost. Cashback stays on the tier table.

0.5% to 1.75% on non-USD purchases, depending on country, per KAST's help centre. Non-USD purchases under $25 carry an extra $0.20, per the cardholder agreement.

Up to $250 per withdrawal including fees, and up to three withdrawals or $750 in a rolling 24 hours, per KAST's cards page. Each withdrawal costs $3 plus 2%.

Yes. KAST's terms say access may be subject to identification, verification and screening, and supported regions are shown during verification in the app, per its terms of service.

USDT, USDC, PYUSD and RLUSD, with USDT and USDC supported on the most networks, including Ethereum, Solana, Polygon, Arbitrum and TRON, per KAST's cards page.