Kast Card — USD spend fees and how to open (2026)

Last verified: 2026-09-02 · Evidence: L2-official-help-center · Editorial standards

By Rosa · Independent review · Not affiliated with Kast

Direct answer: Kast is a USD-denominated Visa with stablecoin top-ups (USDC/USDT/USDe at 0% top-up fee). As of 2026-08-29 (L2, Kast Concierge): 0% on domestic USD card spend; non-USD FX 0.5–1.75%; cashback 1.5%/2%/3% on Standard/Premium/Private with caps; ATM $3 + 2%. Premium tiers carry annual fees — confirm kast.xyz pricing.

Sources and verification

Kast Concierge Help Center — Fee schedule
Kast crypto cards — Tier pricing

USD spenders get the best economics; non-USD travelers should compare FX against cashback tier before committing.

Status at a glance

Check	Status (confirm in-app)
Account signup	Kast app registration
KYC	ID + liveness (Sumsub); ~10–30 min
Virtual card	Standard virtual free
Physical card	Paid metal tiers available
Local funding	Stablecoin deposit 0% top-up fee
Apple / Google Pay	Supported post-activation

Fees at a glance

Fee type	Documented rate
Standard annual	$0
USD card spend	0%
FX (non-USD)	0.5–1.75% (varies by country pair)
USD cashback	Standard 1.5% / Premium 2% / Private 3% (monthly caps apply)
Small / decline	$0.10 on non-USD tx under $25; $0.50 on declined tx
ATM	$3 flat + 2%

Issuer app checkout and fee screens are authoritative. Card Lab scores are editorial estimates, not investment advice.

How to open, fund, and activate

Download Kast — Install app and confirm your country can apply for Visa. (1–2 min)
Complete KYC — ID upload + liveness (Sumsub); usually under 30 minutes. (10–30 min)
Top up stablecoins — Deposit USDC/USDT/USDe — 0% top-up fee; match network exactly. (5–15 min)
Order & activate card — Choose Standard virtual (free) or paid metal tier; bind Apple/Google Pay. (5 min)

Promo and referral

Partner link: https://app.kast.xyz/referral/5RV9ZVTC — codes: 5RV9ZVTC. Partner referral — confirm country eligibility and tier pricing in-app. See also promo evidence page.

Promotions: KAST Points stack on Premium/Private tiers — see kast.xyz/crypto-cards for current tier pricing.

FAQ

Is USD spending really 0%?

Yes on USD-denominated card spend per Kast fee schedule. Non-USD merchant charges incur FX 0.5–1.75%.

Top-up fees?

0% on stablecoin top-ups (USDC/USDT/USDe). Match deposit network exactly to avoid loss.

Cashback tiers?

Standard 1.5%, Premium 2%, Private 3% USD cashback with monthly qualifying caps. Premium/Private have annual fees.

Is Kast self-custody?

No — Kast is custodial. Compare to Ether.fi or MetaMask if self-custody is required.

ATM cost?

$3 flat plus 2% per Kast Help Center fee schedule.

Small transaction fees?

$0.10 on non-USD transactions under $25; $0.50 on declines from insufficient balance.

Countries supported?

Kast claims 170+ countries — always confirm application path in-app for your residency.

Affiliate link?

Partner link disclosed on CryptoCard Insider as of 2026-09-02T17:45. Confirm eligibility and checkout in-app.

Trust & disclosures

Author: Rosa · Editorial standards · Affiliate disclosure · Disclaimer

CryptoCard Insider is independent and unofficial. We may earn commission on disclosed partner links (rel="sponsored"). Fees, eligibility, and promos change — confirm in each issuer app. Card Lab scores are editorial estimates, not investment advice.

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