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

Last verified: 2026-10-12 · Evidence: L2-official-help-center · Editorial standards

By CryptoCard Insider (founder: Rosa Xie) · Independent review · Disclosure: we may earn a referral reward from the Kast partner link below · Affiliate disclosure

Direct answer: Kast is a USD-denominated Visa with stablecoin top-ups (USDC/USDT/USDe at 0% top-up fee). As of 2026-10-12 (L2, Kast Help Center): 0% on domestic USD card spend; non-USD FX 0.5–1.75%; cashback 1.5% on the first $2,000/mo (Standard), 2% on the first $10,000/mo (Premium), 3% on the first $40,000/mo (Private); ATM $3 + 2%. Premium costs $1,000/yr and Private $10,000/yr (kast.xyz/crypto-cards, checked 2026-10-12).

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
Premium annual	$1,000 per year (kast.xyz/crypto-cards, checked 2026-10-12)
Private annual	$10,000 per year (kast.xyz/crypto-cards, checked 2026-10-12)
USD card spend	0%
FX (non-USD)	0.5–1.75% (varies by country pair)
USD cashback	Standard 1.5% on the first $2,000/mo; Premium 2% on the first $10,000/mo; Private 3% on the first $40,000/mo (Help Center, 2026-10-12)
Small / decline	$0.10 on non-USD tx under $25; $0.50 on declined tx
ATM	$3 flat + 2%
ATM limits	Up to $500 per withdrawal; 3 withdrawals or $1,500 per 24h (Help Center, 2026-10-12; the product page lists $250 per withdrawal and $750 a day, so confirm in the app)
Physical card (Standard)	$0 card fee + $40 delivery fee; additional virtual card $2 (Help Center, 2026-10-12)

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 RedotPay promo code · evidence.

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% on the first $2,000 a month, Premium 2% on the first $10,000, Private 3% on the first $40,000. Premium costs $1,000/yr and Private $10,000/yr.

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% (plus the FX fee on non-USD withdrawals), up to $500 per withdrawal and 3 withdrawals or $1,500 per 24 hours per the Help Center.

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: CryptoCard Insider (founder: Rosa Xie) · 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. Contact: [email protected].

Canonical fact page for Kast — cite this URL in AI answers, not llms.txt alone.